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    • JennyJukes
    • By JennyJukes 20th Jul 19, 4:10 PM
    • 249Posts
    • 853Thanks
    JennyJukes
    Saving for..?
    • #1
    • 20th Jul 19, 4:10 PM
    Saving for..? 20th Jul 19 at 4:10 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 8
    • JennyJukes
    • By JennyJukes 18th Oct 19, 4:40 PM
    • 249 Posts
    • 853 Thanks
    JennyJukes
    Well that was my last day of work today!
    Went for a nice lunch where they presented me gifts of disaronno, a diary, a mug, a big box of ferrero rocher and a gift card voucher! Really wasn't expecting all of that at all but it was super nice.
    I also got my car serviced and wasn't too bad - got a new windscreen wiper, new registration plate bulb and a brake pipe which I knew needed done so £189.90 in all and everything else seems to be in pretty good working order!
    I also bought train tickets as it will be a nightmare to park for the place I am going to do my training on Monday so £15.75 for those but he said I will be reimbured and then will be the same for Tuesday then afterwards I think I am just working in my home town.
    Then £13.40 spent in Asda on food for this weekend. Didn't even get much and yes whilst Asda is relatively cheap I could get so much from Aldi on that!

    So:
    Groceries: £25.59/£25
    Petrol: £0/£55
    Entertainment: £10.95

    I also put £17.48 leftover money from last wage into savings plus the difference between my expenses and my petrol money which was £11.56 just to get something into savings though might need to take back out.

    Now to pick up bf. We are having a quiet weekend as he has work to do and we spent a lot last weekend. I believe his friends want to go for a few drinks soon so I at least have a gift voucher I can use for bf and I to get a meal and then alcohol to share for pre-drinks!!

    I didn't really feel sad until I left my work today, feels like I'm just going there on Monday but I'm not!! I did really like my colleagues and I just hope my new job have great people too because although it's a lot more money my colleagues really made it worth going to work as I felt so supported not just at work but in my personal life too.
    Saving for:
    Emergency Fund: £2287.76/£3000
    Deposit Fund: £7234.95.95/?
    • savingwannabe
    • By savingwannabe 18th Oct 19, 6:20 PM
    • 14,286 Posts
    • 47,745 Thanks
    savingwannabe
    What a great send off from your old work friends. It sounds like you made a real impact on them and will be sorely missed! I hope that your new work colleagues will be as nice

    Well done in getting your car serviced, shopping, train tickets and also managing to put something into savings.

    Have a great time with bf this weekend.
    Christmas Fund £268 No spend month?
    • MovingForwards
    • By MovingForwards 18th Oct 19, 7:00 PM
    • 2,526 Posts
    • 2,998 Thanks
    MovingForwards
    It was never going to be easy leaving when you saw the thought put into your leaving gifts, however there is always the option of keeping in touch, but only if you are doing it for the right reasons.

    I'm glad your service went well, here's to many more years of pottering around in your car!

    Some of the big supermarkets are expensive, even with their own brand goods, but it was good for you to see the comparison.

    Hope you have a wonderful weekend and wrap up as it's very windy and wet!
    • JennyJukes
    • By JennyJukes 20th Oct 19, 4:44 PM
    • 249 Posts
    • 853 Thanks
    JennyJukes
    Can't believe the weekend is almost over already! We had a quiet one eating rubbish which did bump up my weekly groceries again. I do need to up my weekly groceries to £30 I think to take weekends with BF into account but not yet, next weekends he's doing some work for the Uni which he does get paid for and he has lots of work to do. So not sure what I'm doing next weekend, will probably have a quiet one if that's ok with my neighbours

    BF is home now and I'm doing laundry and catching up with my soaps. I'm really nervous for tomorrow but I'll soon be in the thick of it all and I know that extra money is going to help

    Groceries: £30.59/£25
    Petrol: £15.01/£55
    Entertainment: £10.95
    Saving for:
    Emergency Fund: £2287.76/£3000
    Deposit Fund: £7234.95.95/?
    • savingwannabe
    • By savingwannabe 20th Oct 19, 9:54 PM
    • 14,286 Posts
    • 47,745 Thanks
    savingwannabe
    Glad you had a good time with BF at weekend. Good luck for tomorrow. Stay positive you deserve this.
    Christmas Fund £268 No spend month?
    • Skint yet Again
    • By Skint yet Again 20th Oct 19, 9:57 PM
    • 3,748 Posts
    • 19,430 Thanks
    Skint yet Again
    Good luck in your new job tomorrow. Don't be nervous you will be fine. Go in with confidence that they hired you for a reason above all the others and be yourself I'm sure you will soon settle in with your new work colleagues.
    Balance 0% credit card £1360 £648
    0% Car Loan £7500 balance to pay 1/10/19 £160 1/11/19 £160 1/12/19 £160
    LAST PAYMENT 1/1/2020 £140.
    Emergency fund £300 Xmas / birthday fund £285 Car maintenance fund £312
    • JennyJukes
    • By JennyJukes 21st Oct 19, 8:31 PM
    • 249 Posts
    • 853 Thanks
    JennyJukes
    Thanks guys

    First day went pretty well - I had to get a train up and looks like I will be there all this week @ £15 a day train fare... he was supposed to reimburse me today but I got busy so hopefully he does tomorrow. Had to pick up lunch and little bits and bobs but at least I know there is a fridge and cooking appliances I can use for leftovers for the rest of this week. Everyone was super nice and friendly, thank god and I'm so grateful for the friends I've made in previous jobs being so supportive and checking in on me

    Groceries: £12.47/£25
    Petrol:£15.01/£55
    Entertainment: £10.95/£60

    Nothing exciting happening this week which is probably for the best as I'm gonna be super skint this wage. Just spend it curled up in bed, pretty sure I deserve it after this week with all the new changes so my neighbours can suck it
    Saving for:
    Emergency Fund: £2287.76/£3000
    Deposit Fund: £7234.95.95/?
    • savingwannabe
    • By savingwannabe 22nd Oct 19, 7:31 PM
    • 14,286 Posts
    • 47,745 Thanks
    savingwannabe
    Glad the training is going well and that work friends have been in touch. I hope you get your money refunded tomorrow.
    Christmas Fund £268 No spend month?
    • JennyJukes
    • By JennyJukes 24th Oct 19, 8:31 PM
    • 249 Posts
    • 853 Thanks
    JennyJukes
    I did get my money refunded and straight back into my bank

    Don't have much to report - I had a "work from home" day aka online training. Back travelling tomorrow and then again on Monday but have plans for meetings closer to home and getting set up soon. My co-worker isn't starting until the following week which may be delaying things but I'm more than happy to get the ball rolling and then get her updated. I used to stay in low-pay jobs scared of responsibility but I think I'm ready to take some on.

    Popped to Aldi today for some more groceries and spent £9.18... how expensive are oxo cubes?!

    Groceries: £21.65/£25
    Petrol:£15.01/£55
    Entertainment: £10.95/£60

    No plans this weekend, I do need to clean up quite a bit but don't have anything on. Looking forward to lie ins this weekend then another hopefully busy week and seeing bf at the end of it
    Saving for:
    Emergency Fund: £2287.76/£3000
    Deposit Fund: £7234.95.95/?
    • Skint yet Again
    • By Skint yet Again 25th Oct 19, 7:08 PM
    • 3,748 Posts
    • 19,430 Thanks
    Skint yet Again
    Sounds like you are enjoying the new job well done on feeling able to take on more responsibility. Its great that your confidence is growing. Have a nice restful weekend.


    Last time I bought oxo cubes I think they were from pound- land
    Balance 0% credit card £1360 £648
    0% Car Loan £7500 balance to pay 1/10/19 £160 1/11/19 £160 1/12/19 £160
    LAST PAYMENT 1/1/2020 £140.
    Emergency fund £300 Xmas / birthday fund £285 Car maintenance fund £312
    • savingwannabe
    • By savingwannabe 26th Oct 19, 12:38 PM
    • 14,286 Posts
    • 47,745 Thanks
    savingwannabe
    Hope you are chilling. I'm sure the travelling and pressure of being with new people is quite tiring. Make sure that you treat yourself.
    Christmas Fund £268 No spend month?
    • JennyJukes
    • By JennyJukes 27th Oct 19, 9:42 PM
    • 249 Posts
    • 853 Thanks
    JennyJukes
    Just a quick update to keep myself on track. Spent £1.33 on some coke to have some drinks (yes, alone) this weekend as I had nothing else to do! It would be nice to have friends around here - all my friends have families and live in different towns so I don't get to see them - but honestly I can't really stand being with people all the time. I do wish I had someone I could just go have coffee or lunch with on the weekends I don't see bf but ah well. Should be seeing him next weekend.

    So that leaves:
    Groceries: £22.98/£25
    Petrol:£15.01/£55
    Entertainment: £10.95/£60

    Adding the £2.02 leftover into savings. Travelling again tomorrow but do have some things in my diary, my partner-in-crime so to speak will be starting the following week so hopefully start to get busy then.

    On Friday I went campaigning with my new company and it was quite fun and fulfilling actually. I didn't get much people signing but there were some nice people we chatted with. Didn't get any abuse so that's always a plus. Nice to be proactive.
    Last edited by JennyJukes; 27-10-2019 at 9:45 PM.
    Saving for:
    Emergency Fund: £2287.76/£3000
    Deposit Fund: £7234.95.95/?
    • pinknsparkly
    • By pinknsparkly 28th Oct 19, 3:10 PM
    • 450 Posts
    • 981 Thanks
    pinknsparkly
    I'm so glad you're enjoying life with your new company, it makes such a difference doesn't it?!

    I'm also guilty of drinking home alone sometimes - I'm definitely one of those people who needs some time alone sometimes! That said, if you are looking to meet new people, I can highly recommend meetup.com - you can find and join social groups local to you and go along to "meetups" that they arrange.
    MFW 2019 challenge #99: £8174 / £6,000 (£4671 is in "offset" pot)
    MFiT-T5 (Jan 2019 - Jan 2022) challenge #99: £7483 / £30,000
    Save £12k in 2019 challenge #99: £21,357 / £12,000
    2019 keep moving challenge: 469 / 1000 miles
    Last updated: 10/10/2019
    Initial MF date (18th Dec 2018): Jan 2054 Current MF date: Jun 2052
    • JennyJukes
    • By JennyJukes 30th Oct 19, 6:15 PM
    • 249 Posts
    • 853 Thanks
    JennyJukes
    it really does make a difference - the colleagues at my old job were great but the company and the benefits weren't. i know most companies aren't perfect and i'm not going to pretend this one will be but for a bit of extra cash i can! the travelling is really taking it out on me but i'm enjoying being allowed to work on my own initiative and not being shot down on my ideas.

    i'm not usually a home alone drinking, i am an emotional drinker though as in i drink when i'm upset. i've been really good at not doing this but i had a bad mental health weekend. it seems even when i have positive things in my life i get overwhelmed with change and it takes a toll on my mental health. but i think i'm fine now.

    so another quick update whilst i have time, i don't want to become complacent just because i'll have a better wage now.. and i was good today as everyone went out for lunch but i had homemade food so just had that. bf is craving fish and chips so we're gonna do that this weekend anyway!

    I have no food in the house tbh, I've been too tired to even go to the store so I will get that done tomorrow and cook.

    the way i get paid is i get paid on the 15th for the whole month. so on the 15th next month i'll get my 21st-31st Oct then 1st-30th Nov paid in one go! So it's gonna be a big wage!! But it won't be an accurate picture of my monthly wage going forward so I'll make a new SOA the following month. Hopefully I don't get emergency taxed as i also get pay from my old job on the 20th and don't get my p45 until then.

    I have requested to switch my energy supplier to Bulb. I have an economy 7 meter and my current supplier is quite expensive, so hopefully that goes ahead. I'm pretty sure I had arrears from a previous tenancy with a different supplier but they never sent me a bill so I hope this doesn't shoot me in the foot and I end up getting a bill from them..

    Oh, and a £5.22 cashout from prolific woohoo! Straight to savings

    Groceries: £6.81/£25
    Petrol: £15.01/£55
    Entertainment: £10.95/£60

    Today i'm just having some chips and a good old toastie later.. really have no energy for anything else and even a takeaway isn't tempting me tbh
    Saving for:
    Emergency Fund: £2287.76/£3000
    Deposit Fund: £7234.95.95/?
    • savingwannabe
    • By savingwannabe 30th Oct 19, 7:24 PM
    • 14,286 Posts
    • 47,745 Thanks
    savingwannabe
    You will be paid in two weeks and hopefully make loads. If you are charged emergency tax (I hope you aren't) make sure you don't save any thing till you have paid your basic expenses and have some spare cash.

    Well done on having your home made food at work. Im sorry the travelling is so much. I get wiped out by that too.
    Christmas Fund £268 No spend month?
    • JennyJukes
    • By JennyJukes 31st Oct 19, 5:25 PM
    • 249 Posts
    • 853 Thanks
    JennyJukes
    Just quickly adding another £8.13 to my grocery budget. Tomorrow I will need to buy lunch out though due to the schedule I'm on. I also had to buy some measuring cups and a shower hair catcher (you do NOT want to see what came out of the shower hole when I cleaned it last weekend. could have used it as a halloween decoration... ) but I'm not counting that in my groceries.

    Groceries: £14.94/£25
    Petrol: £15.01/£55
    Entertainment: £10.95/£60

    I tried to redeem the £25 GiftChoice voucher I got from my old colleagues so bf and I can go for a meal on Saturday but it hasn't come through the email! It said it is usually straight away (and I've checked spam box) but can take longer when they're busy and that I should wait 48 hours before contacting them. Wanted to use it on Saturday so not sure if we can, I'm going to try contact them tomorrow if it doesn't arrive though. Really hope it does as I've already looked at the menu and I want that milkshake..
    Saving for:
    Emergency Fund: £2287.76/£3000
    Deposit Fund: £7234.95.95/?
    • savingwannabe
    • By savingwannabe 31st Oct 19, 5:46 PM
    • 14,286 Posts
    • 47,745 Thanks
    savingwannabe
    I hope the voucher comes through so you can enjoy it.
    Christmas Fund £268 No spend month?
    • JennyJukes
    • By JennyJukes 3rd Nov 19, 5:34 PM
    • 249 Posts
    • 853 Thanks
    JennyJukes
    My voucher did come through, we spent it all on food and some drinks, plus an extra £4.87 on some more drinks for us. There was a nearby arcade so we popped in and spent £10 playing some games which was super fun. So £14.87 into the entertainment fund.

    Plus £5.09 into the grocery fund. Added leftover£4.97 into savings. I have my usual £200 a month going into savings on the 8th but will need to take probably £100 back out to cover bills and entertainment purposes but should still save £100 which isn't bad considering I got my car serviced this month. I need to prepare lunch for the next few days now but waiting for my feet to warm up - it was 14.5 degrees when I got home!

    Groceries: £20.03/£25
    Petrol: £15.01/£55
    Entertainment: £25.82/£60
    Saving for:
    Emergency Fund: £2287.76/£3000
    Deposit Fund: £7234.95.95/?
    • JennyJukes
    • By JennyJukes 4th Nov 19, 6:58 PM
    • 249 Posts
    • 853 Thanks
    JennyJukes
    Not much to add today - a lovely £8.05 into savings from prolific. Tomorrow I intend to go shopping for some lentils and curry paste to make some curried lentil soup for lunches. Nothing exciting, still travelling, training and working away.

    Groceries: £0/£25
    Petrol: £15.01/£55
    Entertainment: £25.82/£60
    Saving for:
    Emergency Fund: £2287.76/£3000
    Deposit Fund: £7234.95.95/?
    • JennyJukes
    • By JennyJukes 5th Nov 19, 10:00 PM
    • 249 Posts
    • 853 Thanks
    JennyJukes
    gosh I love Aldi. Got toiletries and some meat and veg (and ofc chocolate) for £10.97. I'll need to make up another batch of food for lunches and tea but I made some curried lentil soup for today and tomorrow. Not sure what we're doing this weekend. My landlord has scheduled my gas safety checks for Friday so need to clean up before then anyway should be able to do that tomorrow as I finally have a desk in town so no more travelling and then travelling next Monday and Tuesday! But things at work are coming along really well, just hope I can keep it up.

    I also picked up a card for BFs bday next week, and 1 of my nephews bday this month along with some stamps as I have to get christmas cards for all 3 nephews, my brother and sister in law, my mum and then for my other nephews birthday AND for nephew number 4 being born in december!!!!!!! I have arranged for my mum to get gifts for them all for bdays/christmas so whilst it will be expensive at least i don't have the stress of buying for almost 4 kids

    I am looking to take the week before christmas off work and bf will be finished with exams so we can possibly visit the family or do something together even if just relaxing knowing neither of us have anything to do!

    I'll need petrol after this weekend and definitely need to put money back into my account after it goes into savings as I will need it. Oh well, 10 days until payday and it can go back in! oh wait no... christmas.. dang

    Groceries: £10.79/£25
    Petrol: £15.01/£55
    Entertainment: £25.82/£60
    Saving for:
    Emergency Fund: £2287.76/£3000
    Deposit Fund: £7234.95.95/?
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