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    • JennyJukes
    • By JennyJukes 20th Jul 19, 3:10 PM
    • 212Posts
    • 738Thanks
    JennyJukes
    Saving for..?
    • #1
    • 20th Jul 19, 3:10 PM
    Saving for..? 20th Jul 19 at 3:10 PM
    I'm not quite sure yet! But I would like to stop wasting money and be more accountable with it!

    A little bit of background context:

    I'm 26 and live alone with no family around me. I left an abusive relationship 2 years ago and became homeless. I spent most of my then 8000 savings, some necessary some not. I went on several holidays and outings, bought a nice computer, furnished a property I got and bought myself a whole new wardrobe. Sometimes I feel guilty at the amount of money I spent but a lot of it was a coping mechanism. I am now in a much more stable and happy situation and would like to start being more accountable with my money.

    I recently moved, having been placed in the roughest council estate of my town and the anti-social behaviour was really bad. I am nearing the end of my biggest debt so I put it towards renting a nicer property. Not MSE but so much better for my mental health!

    I am also in a new relationship. My partner is here on a study visa for the next 1-2 years. After that, who knows? Maybe he'll get a job here, maybe we'll move somewhere else, maybe we won't be together. As such, I have no idea where my life is going to take me in the next few years so I don't want to commit to anything but I also want to be prepared because life has taught me it doesn't always work out the way I plan!

    Until then, my goals are to:

    1) Stick to budgets and save the rest.
    2) Get a better paying and more stable job.
    3) Only buy what I can afford - no more financing/debt. Save for what I want.
    4) Have fun with my money! I don't want to lambaste myself for having an occasional treat.
    5) Learn to cook more and bake.. at all

    I'm going to pop up a SOA in a bit and would love if anyone could point out where I could be saving or maximising my savings. I also sometimes see people my age (and younger) being married, owning homes, having families etc and feel a little bit bad about it so if anyone could tell me that I'm doing fine too that would be a massive help

    Thanks for reading (or at least allowing me the bandwidth to post my dull life )
Page 5
    • JennyJukes
    • By JennyJukes 31st Aug 19, 3:28 PM
    • 212 Posts
    • 738 Thanks
    JennyJukes
    As I am really under budget for groceries I popped to Aldi to treat myself to some goods @ 5.69. I gave her 10 cash as I need change to put into a collection for a colleague who is leaving but as I left Aldi I realised she only gave me change and not the 4! Pre-MSE me would have walked away without doing anything but I went back in and told her. We looked back at my receipt and it only said the amount I had to pay, not how much I did pay and I wasn't sure how much change she gave me as I threw it in with the rest of my change so she just gave me my full change amount! So got a few extra pennies there. I usually use card for everything and think I'll continue to in case I don't get the correct change back!

    Earlier I also received an email saying I had "met T&C's" of an instant win game from the ScottishChildrensLottery so had received 2.50 in my account! Have put it onto some lottery tickets so another little win there for me. Hoping my good karma from running after a lady today to give her her dropped bank card will help me out here!! At least I hope it was hers

    Another rejected job application but I went to an event on Friday and did some networking and it was nice to be around like minded people

    Boyfriend still doesn't have his clearance yet which is taking a bit of a toll on us. He's seeing his professor next week to discuss the way forward.

    So:

    Groceries: 20.32/25
    Petrol: 20.15/55
    Entertainment: 0/60

    Monday I am meeting colleagues for breakfast and will do a collection for our colleague leaving, I'll pop those into entertainment budget seeing as it's not getting used for anything else I do need petrol next week but the following week I am off work so won't be using my car much

    Added 4.68 from grocery budget into savings:

    Savings In: 118.35
    Emergency Fund: 1815.42
    H2B: 6784.95
    = 8600.37
    • savingwannabe
    • By savingwannabe 1st Sep 19, 6:32 PM
    • 14,208 Posts
    • 47,671 Thanks
    savingwannabe
    Well done on lottery win! Every little helps and on getting the money back from the shop. Hurrah for the holiday in a week's time. Your savings are looking good too.
    Christmas Fund 248 No spend month?
    • JennyJukes
    • By JennyJukes 2nd Sep 19, 5:18 PM
    • 212 Posts
    • 738 Thanks
    JennyJukes
    Went for breakfast with colleagues today. 3.75 for a bacon roll and a pot of tea. I got 2 cups of tea out of the pot and would have preferred to split with someone but with my colleagues eating 7 piece breakfasts I don't think money and frugality is an issue for them.. I put my 4 change from the weekend towards a gift for my colleague who is leaving. Added this to my entertainment budget. I don't think there's going to be much else put towards this part of my budget considering my boyfriend isn't here. Honestly, I'm happy to sit at home browsing the internet, reading books, doing surveys etc, free entertainment (well I pay for my internet, my TV license and my rent!) but the comment from my neighbours about me never going out makes me feel kinda bad.

    Picked up some groceries after work at Aldi for 10.46. Did forget quite a bit so will need more mid-week.

    Still no UK clearance for my boyfriend and seems like many others are still having this problem . There's still time but he's sorted out a plan with his professors so he should still be coming over here in September. Would have been nice if we could have spent this weekend/next week together but that's unlikely to be happening - can't be helped. His professors blame this delay on Brexit

    I copied Klarna into an email with SuperDry asking them to please sort out my win between them. I feel rude but isn't it ruder to read my messages and not answer them? Totally takes the fun out of comping.

    Anyway:

    Groceries: 10.46/25
    Petrol: 20.15/55
    Entertainment: 7.75/60
    Last edited by JennyJukes; 02-09-2019 at 5:20 PM.
    • JennyJukes
    • By JennyJukes 3rd Sep 19, 10:15 AM
    • 212 Posts
    • 738 Thanks
    JennyJukes
    HE GOT IT!!!!!!!!!!

    HE GOT HIS CLEARANCE WOOOO

    Still has to apply for his visa and actually get here but finally!!



    I've been so busy at work.. being a get away driver so only just getting excited now.

    I also called council tax because I was expecting a payment to come out on the 1st and they told me I'm actually in credit and it will come out as normal next month and is set to over 12 months, so that's good news too.

    Also got a 30p bonus reward on prolific for some reason?? Not going to complain, takes me almost to the 5 threshold.

    In all going pretty well

    Oh and best of all... received 92p interest from my vantage account. That's it into savings.

    Didn't win the lottery though
    • Skint yet Again
    • By Skint yet Again 3rd Sep 19, 12:52 PM
    • 3,697 Posts
    • 19,370 Thanks
    Skint yet Again
    So pleased to hear your news. Hope his visa application and the move all goes smoothly and quickly now
    Balance 0% credit card 1360 698
    0% Car Loan 7500 balance to pay 1/10/19 160 1/11/19 160 1/12/19 160 finishes 1/1/2020 140.
    Emergency fund 100
    • savingwannabe
    • By savingwannabe 3rd Sep 19, 7:50 PM
    • 14,208 Posts
    • 47,671 Thanks
    savingwannabe
    Fantastic news.
    Christmas Fund 248 No spend month?
    • JennyJukes
    • By JennyJukes 4th Sep 19, 11:33 AM
    • 212 Posts
    • 738 Thanks
    JennyJukes
    Just got offered an interview next week - for a job I absolutely didn't think I'd be qualified for!! I got rejected for jobs that were less important and less money so I'm absolutely godsmacked! It would be an extra 6000 a year which is a lot for me

    I don't even feel that nervous I feel pretty excited because I was so surprised. It's next Friday
    • JennyJukes
    • By JennyJukes 4th Sep 19, 4:38 PM
    • 212 Posts
    • 738 Thanks
    JennyJukes
    Grabbed some groceries @ 5.70
    Petrol @ 20.43
    Baking a vegetable lasagne... green beans, lentils, tomatoes, onion with a cream cheese + egg sauce topped with parmesan. This is the first recipe I'm trying from the student cookbook I bought! Looks way nicer than the usual meat lasagne I've been failing at for over a year...

    I received the 2 I lent to a colleague a few days ago so put back into savings. Will be spent tomorrow as I forgot to get some filling for my rolls for the next 2 days!! So tempted just to eat out but I already did Monday.

    Missed a call from a number I don't know, can't see anything online, makes me worried I've missed a competition or something! But they called after 5pm so usually spam.

    Anyway,

    Groceries: 16.16/25
    Petrol: 40.58/55
    Entertainment: 7.75/60
    • savingwannabe
    • By savingwannabe 4th Sep 19, 8:40 PM
    • 14,208 Posts
    • 47,671 Thanks
    savingwannabe
    Well done on job interview. Good luck.
    Christmas Fund 248 No spend month?
    • JennyJukes
    • By JennyJukes 5th Sep 19, 4:32 PM
    • 212 Posts
    • 738 Thanks
    JennyJukes
    Thanks! One more day and I'm off work for a week! I can get through tomorrow. Wish boyfriend was coming next week but looks like it'll be the following week then he'll be right into the swing of Uni so it'll be weekends only and even less if I get this new job. But better than waiting months to see each other.

    4.50 on some lunch for today and tomorrow.

    Rejected from a prolific study because my details were inconsistent and I shouldn't have been eligible? I've probably just put in my nationality wrong or something. It's 70p dude give it to me!

    Groceries: 20.66/25
    Petrol: 40.58/55
    Entertainment: 7.75/60
    • JennyJukes
    • By JennyJukes 7th Sep 19, 12:51 PM
    • 212 Posts
    • 738 Thanks
    JennyJukes
    I'm on holiday

    Boyfriend should be here in less than 2 weeks. His dad will be helping him take things over. So depending when he comes over, I may be able to meet his dad .

    Applied for a few more jobs in case I don't get this one. It sounds really exciting and I could so do with the pay rise. I've never been the type of person to aim high, always going safe and not realising my potential.

    Yesterday a client of mine presented me with a box of Quality Street to thank me for helping her out. I then went and bought coffee (I've been so tired lately??) and cake .

    So whilst I'm already bored, day one into my 9 days off.. I have an opportunity next week and my boyfriend should be here the following week. So things to look forward to for once.. I just get impatient!

    Since I have cake and chocolates and I've had takeout twice this week... I will update my weekly spends and savings as I won't be spending this weekend!!

    Groceries: 23.56/25
    Petrol: 40.58/55
    Entertainment: 7.75/60

    Add 1.44 leftover grocery spends.
    Add 1 cashback.
    Add 6.90 prolific cash out.

    =

    Savings In (since payday 20/8/19): 131.73
    Savings Out: 0

    Emergency Fund: 1828.50
    H2B: 6784.95
    = 8613.45
    • savingwannabe
    • By savingwannabe 7th Sep 19, 1:22 PM
    • 14,208 Posts
    • 47,671 Thanks
    savingwannabe
    I hope you get the job and do keep applying as the right job will pop along when you dont expect it. Yum to Quality Street. Im so jealous of your take outs. The boys bought KFC yesterday. I injected wrong and today sugars are ridiculous. lol. Still i did like it.

    Have a good day.
    Christmas Fund 248 No spend month?
    • Skint yet Again
    • By Skint yet Again 8th Sep 19, 3:22 PM
    • 3,697 Posts
    • 19,370 Thanks
    Skint yet Again
    Good luck with the interview and meeting the parent ! Yum to chocolates and cake
    Balance 0% credit card 1360 698
    0% Car Loan 7500 balance to pay 1/10/19 160 1/11/19 160 1/12/19 160 finishes 1/1/2020 140.
    Emergency fund 100
    • bestlifenow
    • By bestlifenow 8th Sep 19, 6:36 PM
    • 169 Posts
    • 831 Thanks
    bestlifenow
    Hi JennyJukes, hope you don't mind me popping in to say hi. Enjoy your week off.

    bln
    DFW October Make 10 a day challenge 100/310

    PAYDBX 2019 #008 8094/8094 0 to go
    • JennyJukes
    • By JennyJukes 9th Sep 19, 3:33 PM
    • 212 Posts
    • 738 Thanks
    JennyJukes
    Not at all, BLN - thank you for dropping by! Nothing exciting right now but once bf is here it'll probably be all go and if I get a new job it'll be a big change too.

    My to-do list for this week off

    > Book eyebrow appointment
    > Smash the interview..?!
    > Call regarding previous workplace pension details
    > Finish as much of my workplace qualification as possible
    > Apply for another job I have my eye on

    Isn't it just typical that this week I feel like poop physically? If it isn't mentally it's this ugh!! Give me a break. Hopefully I'll feel better before the interview Friday.

    It's probably around 2 - 2.5 weeks before I see my boyfriend but he'll be here for hopefully 2 years at least Hopefully I'll have a better job by then to support him if needed.

    Groceries: 8.55/25
    Petrol: 40.58/55
    Entertainment: 7.75/60
    • MovingForwards
    • By MovingForwards 9th Sep 19, 7:29 PM
    • 2,299 Posts
    • 2,729 Thanks
    MovingForwards
    How was your lasagna?

    Wishing you good luck with your interview X

    Hope you feel better soon. You will be snuggling up with your BF before you know it!
    • JennyJukes
    • By JennyJukes 10th Sep 19, 12:34 PM
    • 212 Posts
    • 738 Thanks
    JennyJukes
    The lasagne was great - everything I've made in the book has been so easy and came out so well!

    I'm now making their curried lentil soup which looks amazing! And so easy!! I haven't yet learned how to season properly - I don't know how much is too much, which spices will make a dish better etc. Growing up my mum had kidney stones and was told to reduce salt intake so we got used to not having things salted. I never used salt in my food and when I do, it's too much for me to handle, so I'm trying out new spices but not really sure where to start! Good thing about having an experimental indian boyfriend means he's going to help me out when he comes!

    Klarna DMed me on instagram to apologize that my vouchers hadn't been processed, that they were looking into it now and would keep me updated. Possibly to do with the complaint I put in last week? Hopefully they come before my boyfriend does as I'll be dragging him to the store to spend the vouchers with me

    > Book eyebrow appointment
    > Smash the interview..?!
    > Call regarding previous workplace pension details
    > Finish as much of my workplace qualification as possible
    > Apply for another job I have my eye on
    • savingwannabe
    • By savingwannabe 10th Sep 19, 2:08 PM
    • 14,208 Posts
    • 47,671 Thanks
    savingwannabe
    Hoorah for lovely food. It sounds delish.... You might inspire me to use my cookery books!!!!!

    Im sorry you are not feeling well. Just take it easy and I hope you will be better by Friday.It's fab you are applying and looking out for jobs.

    It might be worth doing internet research to see if your boyfriend is able to get a part time job whilst he is a student. Lots of overseas students work at places like Thorpe Park so it must be allowed. That way you wont have to dip into your hard earned savings.
    Christmas Fund 248 No spend month?
    • JennyJukes
    • By JennyJukes 11th Sep 19, 2:22 PM
    • 212 Posts
    • 738 Thanks
    JennyJukes
    I think it's something between 10 and 16 hours he can work. But his first semester is pretty full and his parents want him to focus on studying. They're giving him an allowance.

    I've been offered an interview for next Friday too. There are pros and cons for this job on Friday and the one next Friday. Really wish the interview dates were swapped over. I really don't know what to do!! I guess I can interview Friday and accept if I get offered it, but go to the interview next week and if I get it then tell the first ones I don't want it anymore? Feels so rude and ejhtjgrjeg. On the other hand at least if I get rejected on Friday I have another one? aAHH!!

    Job 1:
    Pros: Similar to the job I'm doing, based a 5 minute drive away
    Cons: Might get boring, shift work, I work by myself and there's no promotion opportunity

    Job 2:
    Pros: I get put through a postgraduate qualification, mostly Mon-Fri 9-5
    Cons: Tied in for at least 3 years, base is around 12 miles away, not sure I even have the brains for a postgraduate qualification, obviously much harder work, means me and bf will have to long distance again if he doesn't get a job here or go through a long difficult visa process

    Both jobs are similar pay but obviously Job 2 has more opportunity - but then I may not use the degree straight away as I'd probably want to start a family around that time.
    It would be so much easier if the second job was interviewing first!!!

    Watch me be rejected from both!

    oops - add 6.15 to savings from prolific
    Last edited by JennyJukes; 11-09-2019 at 2:33 PM.
    • JennyJukes
    • By JennyJukes 13th Sep 19, 1:53 PM
    • 212 Posts
    • 738 Thanks
    JennyJukes
    > Book eyebrow appointment
    > Smash the interview..?!
    > Call regarding previous workplace pension details
    > Finish as much of my workplace qualification as possible
    > Apply for another job I have my eye on

    Well, interview done. I'm not sure how it went. It was 3 interviewers and 1 of them I recognized. He recognized me too. They were very attentive, for it being lunchtime and having had previous interviews, they kept coming back onto things I had said. The 1 I recognized felt like it was devils advocate or he was questioning things so I'm not quite sure how it went. Interviews aren't really natural. I'll hear back next week so we'll see. The job seems really interesting and they were very enthusiastic so it would be nice.

    Last night I pulled a muscle in my neck and got very suddenly dizzy and sick! The pain moved up into my ear and down the side of my body. I had to lay down because I felt I was going to faint and I didn't let myself throw up because I was worried it would pull the muscle further. I had to call NHS24 because I was quite concerned - I've pulled that muscle before but never had these symptoms afterwards. The NHS lady was absolutely great, they got me to do neck exercises then told me to take ibuprofen, put cold or heat on my neck and try to stay in one position. I feel better now but I was really worried. Makes me so grateful for the NHS - when I called they even have an option for if you're having mental health worries so it's good to know there's a service out there.

    I've tried to do as much of my qualification as possible and I'm on 86%, meeting my assessor next week so hoping I can get the rest of it done.

    Need to pop to the shop for some groceries soon but first lunch.. was in the interview for an hour

    Oh yes before I left I received post from my energy supplier saying they're putting my DD up from 53 to 72.. I've been here for 2 months. I haven't been using gas because it's summer. They "estimate" (even though I give readings) that I will use 2.5x the amount of gas than electricity when its been the opposite way round. The letter said "we review your DD every 6 months" ... I've been here for 2? Were they looking at the previous tenants? I don't even use 72 in the winter so why would that be an average throughout the month?! I called and they said it was an error and its been reduced back but couldn't explain why it went up. I also told them their estimation was off the charts wrong and could they make sure they check the actual meter readings I have given. They just said its been reduced. So I'm a bit worried about whats going on. Just gonna keep updating my meter readings and hope they see sense. And hopefully 72 doesn't come out because I'm really going to struggle with money the next few months. Christmas, Car service, birthdays, seeing my boyfriend, etc.
    Last edited by JennyJukes; 13-09-2019 at 2:05 PM.
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