The dreaded D word

onedaysomeday · 13 April 2018 at 2:47PM

I agree! I spend so long looking at my budget spreadsheet waiting for payday to come around to actually update anything :rotfl:

snorfing_along · 17 April 2018 at 3:30PM

So I have my fingers crossed this week that I'll receive my salary review letter and hopefully it'll say I've got a pay rise, I wasn't really expecting it but any extra will be nice and it'll be in this months pay, also I think a bonus of 5% is given but I'm not sure when that's paid so I'll start to have a think about what to do with it

onedaysomeday · 17 April 2018 at 4:05PM

Yay for a bonus - I need to find a job that does that

hope you get a pay rise!

snorfing_along · 19 April 2018 at 2:52PM

Pay rise confirmed of £700 which is good so now just waiting for confirmation of a bonus but I think this more likely to be next month.

In other news we have booked a holiday for September so I need to do a bit of careful budgeting to cover it but I can't wait

snorfing_along · 23 April 2018 at 2:48PM

Feeling massively stressed and anxious today, had a problem with my car this morning and had to call the recovery company to come look at it and they got me going again (only took this out a month ago as my car is getting older), but my car is going into the garage on Wednesday to be looked at and hopefully fixed but it's another expense I really don't need at the moment.
It really fells like there is too much going on at the moment, my dog has a tumour and is going in for a biopsy tomorrow, I'm so worried about him. We have insurance to cover the cost but that's with the vets to do their bit before it gets sent to the insurance company (I'm assuming it'll get sent off sometime soon when they know what the treatment will be etc.)
Still trying to sell the house but not much is happening at the moment, we've had a few viewing and an offer but it was ridiculously low. Also because we want to move we can't really change the car (if we weren't looking to move I would have looked at changing the car early this year as I feel it's going to need more repairs going forward) because I want to keep our affordability good for the mortgage application and I don't want to have to delay if somebody decided to put in a good offer on the house tomorrow but I've just taken out a personal loan for a newer car.
Finally we want to have children and because it's not happened for us yet, it really feels like life is on hold waiting for something that might not happen, and this makes me feel sad

Sorry for the long ranty post but I have a few things going on and I need to get it all out

onedaysomeday · 23 April 2018 at 3:08PM

Fingers crossed things turn around soon for you - I often find everything happens at once when you're waiting for lots of things to happen so hopefully this is soon for you

beanielou · 23 April 2018 at 6:31PM

Cars are money pits

Sorry about your dog

snorfing_along · 24 April 2018 at 10:24AM

Thanks Beanielou and Oneday

Taken my dog to the vets today for his biopsy and he was shaking like a leaf poor little guy, I'll be glad to pick him up this afternoon. It's so quiet in the house without him
Feeling a bit more positive about things today after yesterdays mini melt down and only 2 days to payday so I know what my new wage will be and i'm going to make a note of the deductions like student loan repayments and how much get paid into my pension
I actually need to have a look at my pensions ( I have a collection of about 5 now) and see if it's possible and worthwhile to put them into 1 pot? (want to put a thinking smiley here but I don't know how!)
Anyway on wards and upwards (and downwards with the debt)

beanielou · 24 April 2018 at 10:28AM

:think:

snorfing_along · 25 April 2018 at 11:55AM

I've transfer the balances of a couple of my smaller credit cards to my Barclaycard as the 0% was due to run out in a couple of months and with some annual payments coming out in June I wanted to make sure that I would have enough money to cover them. There is my car MOT and whatever work needs doing to it, car insurance, house insurance and i need to save some spending money from my holiday. I think it'll be good to have just 2 credit cards as I can see more of an impact when i'm paying them off so tomorrow i'll update my signature again when I've made my payments and I might add my savings pot as well
Thinking about it I could do with a couple of extra account 1 purely for emergency funds, 1 for annual payments and a 3rd for holiday money. I think i'll have to write down what lives where tomorrow until I can open a couple of extra accounts

The dreaded D word

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