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  • FIRST POST
    • Shelbi
    • By Shelbi 13th Nov 16, 9:21 PM
    • 731Posts
    • 1,751Thanks
    Shelbi
    3rd Time Lucky?!- Attempting to clear 6645.93 of debt in 105days (3months+13days)!!
    • #1
    • 13th Nov 16, 9:21 PM
    3rd Time Lucky?!- Attempting to clear 6645.93 of debt in 105days (3months+13days)!! 13th Nov 16 at 9:21 PM
    Ok so have kinda messed up turns out Haliwax (cc2) have started charging interest 2 this month...seriously confused thought it had a much longer 0% interest term. So have stupidly opted for a 3 month 0% Interest balance when I should've got a longer term...only a 4 interest on a 3.5k balance but damn Im so annoyed with myself for this!! So basically both cards need to be paid off ASAP. so far daily payments made have been 2.11 pathetic I know but something at least. I think this shows me how much I need to sort this out. Im ready! So my plan is to pay 3 monthly instalments of 1048.64 to cc1 and 3 instalments of 59.01 to cc2 (1107.65 total to be paid on the 1st each payday) I have to try to live on the rest 1237.39- maybe a little tricky but needs to be done. After the remaining balance of 3322.96 will be paid with February's pay (assuming I receive a bonus this year) New goal DFD 26 Feb 2016...105 days from now so google tells me (3months & 13days from today)...New Challenge..new diary...here goes!! *crosses fingers*....3rd Time lucky?!
    DFD-01.03.2018
    Save for xmas-34/365
    Emergency Fund- 3,000/3,000 (revised amount)
    House Deposit- 1,020.52/25,000.
    Jul'18- NSD- 5/20- Bring Lunch to work 6/20
    make-5pd in Jul- 20.52/155 Parcel 1/25
Page 9
    • Shelbi
    • By Shelbi 27th Mar 18, 1:29 PM
    • 731 Posts
    • 1,751 Thanks
    Shelbi
    Afternoon Guys,


    So paydays arrived, YNAB is up to date so just a case of keeping to the budget, for this month its as follows:


    Share of rent 260.25 (week free due to easter)
    New telephone for flat- 19.50 & washing basket 4
    Car Tax 11.87
    Council Tax 93
    Mobile 1 -12.50
    Mobile 2 14.99
    Electric (save for quarterly bill)- 70
    Gas (saving for quarterly bill) - 65
    Amazon Prime 79
    Groceries- 103.70 (bit low but have done 2 shops already so OH will pick up the slack/ contribute more to this.
    Emergency Fund- 1666.67
    Gifts- 30
    Socialising/Fun fund- 116.64
    Xmas Saving- 102
    MOT- 60
    Oyster Top Up - (5) - for out of zones
    Beauty- 10


    Ive not given myself any clothing budget as I used the remainder of last months salary to buy a pair of trousers and shoes for work (30). I really don't think I need anything.


    I've transferred my emergency fund to an easy access account and will try to leave it there and not touch it. My Xmas Savings I've put 2 in my coin jar and sent the other 100 to purchase bonds- Ill cash them out at the end of the year, since I no longer play the lottery I may as well try and win something with them. Tempted to put my emergency fund in there but would take a few days to get the money paid into my account and that's not great in event of an actual emergency.


    Only put 100 into Xmas Fund as the other 50 will go towards boosting fun money. I beefed up the Emergency fund too will try to aim for 1666.67 over the next 3 months to have it fully funded.


    Not much has happened really this week, just been super busy at work. Im off over the Easter so that'll be nice- a "staycation", going to visit and catch up with friends, maybe a day trip with OH..oh and a afternoon tea and spa day booked (already paid for). Just realised I'm going to be petrol, left it out...darn it- will be taken from somewhere-there's always wiggle room (probably the gas).


    Honestly really looking forward to some lie ins and time off to relax..cant wait. no sfd today as I need to get some pasta and a few other bits (milk, cheese, banana's)- have taken out 10 so will come from that, should help me to not to be tempted by anything else.


    Made a batch of meatballs on Sunday, so will have that for tea, also have some left over roast chicken- assuming OH hasn't eaten it all, managed to do a quick stock take I think well be ok for meals until Sunday (shopping day).


    Any Easter eggs for the children will be brought after Easter when the price drops down lol! Right back to work I go ... Have a wonderful day guys.


    Sx
    DFD-01.03.2018
    Save for xmas-34/365
    Emergency Fund- 3,000/3,000 (revised amount)
    House Deposit- 1,020.52/25,000.
    Jul'18- NSD- 5/20- Bring Lunch to work 6/20
    make-5pd in Jul- 20.52/155 Parcel 1/25
    • Shelbi
    • By Shelbi 7th Apr 18, 4:58 PM
    • 731 Posts
    • 1,751 Thanks
    Shelbi
    Afternoon guys,

    Its been a little bit of a while...Ive been enjoying some time off work which has been lovely! I really needed it...not going away but a nice stay-cation of spa days, catching up with friends, lunches, cinema trips and spending time with family. Although I saved money by not going away as Ive done most years, Ive over spent on the social/fun money fund...by alot!! I also spent some money on the flat and shopping. Because of this I took 166.67 out of my emergency fund to cover trips out with friends. Ill adjust my figures. Thinking on it, I prob should have took it form the Christmas fund that the emergency fund.

    I feel much better and more relaxed, ive spent more money than I should've done. Ive not gone into debt or anything like that but ive soaked up the money i put aside towards the quarterly bill payments, and then some. It tells me that not only was my will not as strong as I need it to be yet - I need to reign in spends, not buy so many rounds of drinks when im out, try to drink more non- alcohol drinks when out.
    I spend way way to much on meals out on average about 20-30 a day (thats just for me) so Im coming back to frugaldom...A MSE in training.

    I did have a wonderful time with my friends though, I had missed that and (please dont judge) but it was nice to splurge a little.

    Today is a tidy up day- washing ironing etc. OH has gone to see his pals so some me time, I probably wont see him till late tonight, my im home catching up on netflix documentaries in a bid to secure my first nsd of the month.

    update of my budget so far-
    Share of rent 260.25 (week free due to easter) Paid
    New telephone for flat- 19.50 & washing basket 4 (plus kettle, tea towels, spice rack, dishwasher tabs, wicker baskets HB is a dangerous place! )
    Car Tax 11.87
    Council Tax 93
    Mobile 1 -12.50
    Mobile 2 14.99
    - paid
    Electric (save for quarterly bill)- 70- spent in fun/dining out
    Gas (saving for quarterly bill) - 65- spent in fun/dining out
    Amazon Prime 79- Paid
    Groceries- 103.70 (bit low but have done 2 shops already so OH will pick up the slack/ contribute more to this.- spent
    Emergency Fund- 1666.67 166.67 moved to grocery/slush fund so new balance 1500
    Gifts- 30- 40 paid
    Socialising/Fun fund- 116.64-spent
    Xmas Saving- 102- saved in sep acc
    MOT- 60- paid
    Oyster Top Up - (5) - for out of zones
    Beauty- 10/8 spent...

    I need to get back to work- I don't spend money there ...off to get a cuppa and catch up on some diaries...happy Saturday guys x
    DFD-01.03.2018
    Save for xmas-34/365
    Emergency Fund- 3,000/3,000 (revised amount)
    House Deposit- 1,020.52/25,000.
    Jul'18- NSD- 5/20- Bring Lunch to work 6/20
    make-5pd in Jul- 20.52/155 Parcel 1/25
    • PositiveBalance
    • By PositiveBalance 8th Apr 18, 5:13 PM
    • 808 Posts
    • 4,125 Thanks
    PositiveBalance
    Hi Shelbi,

    Congratulations on being debt free!

    Your diary reminds me of me, somewhat, Gawds help you!

    I have also discovered Dave Ramsey. I don't know if you are aware but he has an app you can download onto your phone from which you can listen to/watch all his radio shows. I find it keeps me on track while listening to it on my phone while I'm making dinner. He does three hours worth every weekday so there will be plenty to listen to!

    I've realised that going hard and fast, while very satisfying in the initial stages, is completely unsustainable on any sort of long-term basis. You appear to have reached the same conclusion.

    For what it's worth, I think it's totally reasonable to have a blow out for a month once you have become debt-free as a reward for all your hard work. The only problem is if that continues every month following that as you will probably end up blasting through any savings and potentially getting yourself back to where you started.

    As Dave says, if you have a big enough 'why' it will motivate you. What is yours? Buying a house? Wanting to be able to afford to have kids? Perhaps this is worth thinking about as now your initial goal (to become debt free) has elapsed, you may find yourself struggling if you do not have another one to replace it with.

    Best of luck. I'm a part-time diary keeper as well. I don't know how some people find the time to update every day, but I'm envious of them!
    Original debt to source: 11,640.02; debt repaid: 6771.01 (58%); remaining debt: 5069.01
    0% CC balance: 4999.67 now
    2914.55 (42% repaid)
    Emergency Fund (#187): 0/500
    Terrimundi: fleeced!
    • Shelbi
    • By Shelbi 29th Apr 18, 5:15 PM
    • 731 Posts
    • 1,751 Thanks
    Shelbi
    Hi PositiveBalance ..(love your name)

    Awww Thank you so very much!!!, sorry I didn't reply sooner I had meant too!! Its been a busy few weeks!

    Thank you Ive downloaded the app now so I can have Daves wisdom on tap! helps me keep on the straight and narrow- well ish!

    "I've definitely taken some time out to celebrate being debt free- a month off was really needed, really needed! A blow out month, I like that! Ive stopped just shy of dwinddling my emergency fund from 1667 to 1194 so was a bit naughty but ill build it up again in no time.

    Ive been thinking about my why for a while- im so far behind everyone rightnow I think i have a multiple of why's- I want to buy a house afford to have kids, get married, be financially secure.. the list could go on for. Baby steps for me though I think an emergency fund so I dont have to go back in debt, then owning our own home...Im 35 now so I guess if im ever going to have children it would need to be soonish (next couple of years tops) so maybe even a babyfund to cover me if I had maternity leave. Honestly wouldnt even know where to start..so for me i feel Like filling my emergency fund up asap is my next goal so I can move onto house deposit.

    Mortgage would be a problem as theres no way id be able to get a mortgage 1/3 of my take home salary in London unless I get a shed. Still Ill cross that bridge if I ever get there. my goal is 5k in emergency fund asap! Thank you for helping me refocus and for popping by, ill be sure to have a read of your diary (hope you dont mind) to get some pearls of wisdom and cheer you on on your journey

    Shelbi x
    DFD-01.03.2018
    Save for xmas-34/365
    Emergency Fund- 3,000/3,000 (revised amount)
    House Deposit- 1,020.52/25,000.
    Jul'18- NSD- 5/20- Bring Lunch to work 6/20
    make-5pd in Jul- 20.52/155 Parcel 1/25
    • Shelbi
    • By Shelbi 29th Apr 18, 6:41 PM
    • 731 Posts
    • 1,751 Thanks
    Shelbi
    So Ive been paid and have worked out my YNAB budget for the month and have sent 1000 to my emergency fund and paid my share of the rent.
    Ive budgeted 50per week for shopping, did a stock check before I went shopping today with our weeks meals in mind. Spent a total of 21.76 and learnt that im never shopping in A1d1 on a Sunday morning again, it was bedlam! OH and I have started Juicing and trying to eat more fruit and veg in our diets. today we had a carrot, apple and giger juice for breakfast, I made a butternut squash soup for us for lunch with bread rolls (will take leftovers for lunch tomorrow) OH was hungry still so cooked up some ribs I made some banana ice cream with the left over creme fraiche and bananas that were on the turn.

    Have some fish and mince in the freezer so at some point this week ill make a fish pie and some spagbol, figure ill batch cook the sauce halve it and add some kidney beans and chillies to make a chiili concarne. We also have a gammon joint and some frozen chicken breasts. will do something with them I don't know what yet though. Had a mini frugal bolt moment OH wanted coconut water but at 2, I figured they can stay on the shelf I hate the stuff lol...Instead I told him i couldn't find it and bought him 2 coconuts instead 39p each thank you very much- told him he can crack them open and grab the juice, ill put the flesh through the juicer to get a bit extra and use the pulp for dessicated coconut for recipes- its win win.

    Over the last couple of weeks I've been working on my cooking, I don't think its I cant cook but have just been a spoilt lazy moo most of my life- its actually fun and you know what i'm not even too bad! and I can control the food budget a bit more if I'm doing more of the cooking.

    Last night we were supposed to go out for a meal then decided we couldn't be arsed and opted for cooking together, a movie and cuddle on the sofa- with a cheeky couple of bottles and some chocs- suited me perfectly as Id only budgeted 50 this month for date nights for the month. OH picked up the dinner ingredients as he went to the farmers market and I got the drinks & treats. win win.

    trying to keep nights out low have cinema trip and night out with the girls, 1 work do (colleague leaving) and will do lunch with my yummy mummy besties- have budgeted 100 to cover all that.

    Have set up a dd- 50 to share Isa, 50 to nsi bonds, 1000 to emergency fund (done). Opened a nationwide as they give 5% interest on balances up to 2.5k for the year once done will also open a direct saver 5% and TSB are lifting their rate back to 5% silver lining up to 1500 so will keep some EF there basically I'm going to try max out interest on EF which is fine as I can still get to it. think with this plan I should get about 350 (gross) in interest if nothing changes next year (if all helps) *fingers crossed*

    I think that's the root I'm taking, if anyone has a better game plan please share. I cant believe the weekend has flown so quickly- Already chomping at the bit for the next one to arrive One good thing about work though its great for racking up NSD's so long as I bring lunch and stay at my desk and off the online shopping. Ok enough of my wittering on...have a fab Sunday MSE'ers.

    X
    DFD-01.03.2018
    Save for xmas-34/365
    Emergency Fund- 3,000/3,000 (revised amount)
    House Deposit- 1,020.52/25,000.
    Jul'18- NSD- 5/20- Bring Lunch to work 6/20
    make-5pd in Jul- 20.52/155 Parcel 1/25
    • Shelbi
    • By Shelbi 29th Apr 18, 9:36 PM
    • 731 Posts
    • 1,751 Thanks
    Shelbi
    My Goals for 2018:- An Update:

    Clear my remaining debt 3999.26 by the 31st March 2018 -Done
    Save an emergency fund of 5000 by 31st December 2018- 2193 saved so far
    Begin saving a deposit for a home of 15,000 by the 31st December 2018- not started yet
    Be consistantly Positive and Grateful thoughout 2018- ongoing
    Improve my money management skills- ongoing
    Lose 2 stone and get back into shape- work in progress
    Read at least 12 self development books in 2018- 4/12 completed
    Xmas Savings- changed to set amount-100/600
    January'18- Dry January
    - done

    My smaller Targets for May'18 are:
    Read 2 books: 1 finance & 1 self development
    bring your lunch to work challenge- 20days
    No Spend challenge- 20 SFD
    Earn 5 per day through May'18- 155.
    Eat Healthy- no junk for May'18.
    keep regular checking with diary to stay on track.
    Be more organised and punctual.
    spend more time with family and friends- be more present with those I love.
    Keep on track with YNAB.
    lose 1 stone.
    exercise 3 times a week.

    Ok that's may mini goals sorted! The banana ice cream was delish, I also discovered I can get exercise classes on my prime account- so I'm going to exercise at home for free (not that I pay or do much anyway).

    x
    DFD-01.03.2018
    Save for xmas-34/365
    Emergency Fund- 3,000/3,000 (revised amount)
    House Deposit- 1,020.52/25,000.
    Jul'18- NSD- 5/20- Bring Lunch to work 6/20
    make-5pd in Jul- 20.52/155 Parcel 1/25
    • Shelbi
    • By Shelbi 8th May 18, 1:49 PM
    • 731 Posts
    • 1,751 Thanks
    Shelbi
    Happy Sunny Tuesday Afternoon guys, hope you all had a wonderful weekend! Slightly spendy wise but all within my budget- lunches, cinema, beer garden. Today I transferred 250 into savings EF now 2,443.13...didn't bring in lunch today but got it at a bargain 1.00 so happy with that at least, didn't food shop this weekend (too hot and figured it be manic) so will be grabbing a few bits tonight have 161.23 left in the budget thanks to OH doing some shopping and being on juice part juice diet (weyhey). nothing more to report...hope you're all having a wonderful day! Shelbi x
    DFD-01.03.2018
    Save for xmas-34/365
    Emergency Fund- 3,000/3,000 (revised amount)
    House Deposit- 1,020.52/25,000.
    Jul'18- NSD- 5/20- Bring Lunch to work 6/20
    make-5pd in Jul- 20.52/155 Parcel 1/25
    • Shelbi
    • By Shelbi 29th May 18, 10:22 PM
    • 731 Posts
    • 1,751 Thanks
    Shelbi
    Evening All, Its been a while since my last update, Ive been here but in lurking mode, reading through diaries on different topics- saving for deposits, wedding threads and even children. Needless to say we are doing neither of these things but it makes for interesting reading and moneysaving tips (the old thift diaries are fab).

    So another month has past and Ive managed to squirrel away another 1000(may pay day), hopefully ive budgeted carefully enough so I wont need to dip into it- have increased my pension contribution back up to 10%, no savings for xmas put aside as yet though but from reading lots of threads I think im going to go back to 365 1 per day challenge rather than 600 so ill change that in my signature too.

    Back to the scrimping, Overall ive been ok- i havent gone into debt just moved things around to create wriggle room, my YNAB still shows me that theres still plenty of room for improvement, Miles in fact. I'm looking at becoming less wasteful and when I do spend to try and get cashback or discounts where possible.

    Bank holiday weekend was awesome a wellbeing festival with the girls 60, shopping and lunch with my mum and sis 20, carvery and lake with OH 25, I got the grub he got drinks and petrol (worked out around the same) and dinner at my best friends with her beautiful family at their beautiful home..I confess it got me thinking I need to get a better handle on my purse strings if im ever going to get anything like that...though I couldnt afford a home like that I can at least start saving for something.. so onwards and upwards- time to get back to frugal Shelbi mode= meal planning (still yet to perfect this but need to) YNAB showed I spent 512.97 last month on food (alot of eating out and poor planning on foodshop) WTF OH shops too so I have no excuse to spend that much, we don't even have kids thats two of us and a bit of socialising for me, I was stunned by that it does include cornershop runs which is more expensive. so first things first- no takeaways for June and no cornershop runs- everything is more there- including wine (dont judge me) My aim this month s to get the food bill down (slash it back to a respectable figure)- I budget 200 food budget and 70 (dinning out/socialising). Thats where the holes seem to be in my budget so i'll start with that.

    Shelbi x
    Last edited by Shelbi; 29-05-2018 at 10:34 PM.
    DFD-01.03.2018
    Save for xmas-34/365
    Emergency Fund- 3,000/3,000 (revised amount)
    House Deposit- 1,020.52/25,000.
    Jul'18- NSD- 5/20- Bring Lunch to work 6/20
    make-5pd in Jul- 20.52/155 Parcel 1/25
    • Shelbi
    • By Shelbi 31st May 18, 2:31 PM
    • 731 Posts
    • 1,751 Thanks
    Shelbi
    Good afternoon guys,

    Yetserday I did my weekly shop came to 49.69, Literally ran low on everything- so toiletries, cleaning goods was high- not expensive but we needed binliners, looroll, washing liquid etc so brought the bill up a bit...just under budget this week, next week should be a bit less. MS moves today was checking freepostcode lotto (no joy as yet), moving money from my low/no interest acounts to 5% interest accounts will work from those. Also I decided the 150 I get from not smoking rather than spending it I will do something with it each month (additional savings not EF)- so 50 to NSI premium bonds, 50 to 5% int account and 50pm in ISA stocks and shares (high risk/high reward account) I think thats a reasonable hedge for it (low/med/high)- first step to becoming wealthy..just take a few years is all, high risk is worrying but I wouldve smoked it away so what the hey! Im trying to refocus my attention from lack to prosperity. Other tasks sorted managed to bring in lunch, was yummy and reconcile my YNAB, increased my work season ticket loan payback rate so will have it finished quicker and then can I save more without owing anyone anything and no deductions from my salary.

    Goals update:
    My Goals for 2018:- An Update:

    Clear my remaining debt 3999.26 by the 31st March 2018 -Done
    Save an emergency fund of 5000 by 31st December 2018- 2367.81 saved so far- 31/05/2018
    Begin saving a deposit for a home of 15,000 by the 31st December 2018- Not started yet
    Be consistantly Positive and Grateful thoughout 2018- ongoing
    Improve my money management skills- ongoing
    Lose 2.4 stone and get back into shape- work in progress
    Read at least 12 self development books in 2018- 5/12 completed
    Xmas Savings- changed to set amount-10/365
    January'18- Dry January
    - done

    My smaller Targets for June'18 are:
    Read 2 books: 1 finance & 1 self development- "The life lessons& rules for success" & "7 habits of highly effective people"
    bring your lunch to work challenge- 20days
    Read 10 pages of something positive- 0/30
    No Spend challenge- 20 SFD
    Earn 5 per day through June'18- 0.
    Eat Healthy- no junk for Jun '18.- 0/30
    keep regular checking with diary to stay on track.
    Be more organised and punctual.
    spend more time with family and friends- be more present with those I love.
    Keep on track with YNAB.
    lose 1 stone (14lb)/ 0/14lb
    exercise 3 times a week. 0/12
    Do at least 5 CPD units in June- 0/5

    Ok I best get get back to work have a fab and fun day guys..

    Shelbi x
    DFD-01.03.2018
    Save for xmas-34/365
    Emergency Fund- 3,000/3,000 (revised amount)
    House Deposit- 1,020.52/25,000.
    Jul'18- NSD- 5/20- Bring Lunch to work 6/20
    make-5pd in Jul- 20.52/155 Parcel 1/25
    • Shelbi
    • By Shelbi 1st Jun 18, 2:03 PM
    • 731 Posts
    • 1,751 Thanks
    Shelbi
    Afternoon MSEers,

    So its the 1st of June, im ready to let the battle commence, Yesterday spend was 20 whip on a night out with work gang, Karaoke, drinks and light bites, was super fun..followed by a severe hangover and a trip to Leon 3.75 this morning for breakfast (no way i couldve made breakfast this AM, I did by some miracle manage to pack yesterdays left over dinner than OH made into tupperware along with some yogurt and fruit beofre i went to bed at stupid oclock last night) which I brought in so all in all I think I get a bring your lunch to work tick! No FPL wins today, I did receieve 3.25 in interest in one account (almost paid for breakfast). Tonight I think will be a very lazy Friday night, I just want to curl up on the sofa..

    Need to increase my income for my Emergency fund. I would Ideally like this completed by the end of June, so thats 2632.19 to save- 87.73 per day-I prefer to look at it 1%-26.32 (100grid) Grid seems more achieveable...( I just like it cause its small- bite size)....right how am I going to make up this shortfall?. Its a tough challenge, and i probably wont get to it but i wil do my best...OK enough ramblings from me I best go & do some work....Happy Friday X
    DFD-01.03.2018
    Save for xmas-34/365
    Emergency Fund- 3,000/3,000 (revised amount)
    House Deposit- 1,020.52/25,000.
    Jul'18- NSD- 5/20- Bring Lunch to work 6/20
    make-5pd in Jul- 20.52/155 Parcel 1/25
    • Shelbi
    • By Shelbi 2nd Jun 18, 12:21 PM
    • 731 Posts
    • 1,751 Thanks
    Shelbi
    Good morning diaryland!! Happy Saturday

    So this morning I filled up the waterfilter, I will not be buying any bottled water, although water is rank (no other word for it, it chalky..our hard water according to OH) I've filled to glass bottles of filtered water and the water filer itself..I will try to keep ontop of it.

    Paid the gas and electric bill this morning slightly over my budgeted 300 by 44.40 ...So I needed to wiggle my ynab Also have spoken to OH an=bout keeping plugs switched off on electronics when not in use- he seemed keen bar the playstation, apparently it takes forever to update

    Last night I did pop to the corner shop I boiled pasta opened my pesto only to find it had turned to a science experiment, so I had emergency run was lovely though- trying to get some more meat free meals into my week- OH unconvinced being a carnivore! though I figure it will help and should keep costs down minimising waste too (here's hoping)..Saying that breakfast/lunch is a YS venison burger with pitta and salad. (so much for meatfree- if im honest I prefer a good old fashion beef burger- (you can take the girl outof the Eastend, but you cant take the Eastend out of the girl)

    Received 4.44 and 3 interest straight to EF...Right onto chores (its boring but it keeps me busy) Ill make a butternut squash and sweet potato soup today which I can also frees for dinner/lunch in the week..best crack on..have a super day guys x
    Last edited by Shelbi; 02-06-2018 at 12:22 PM. Reason: cant spell ;0)
    DFD-01.03.2018
    Save for xmas-34/365
    Emergency Fund- 3,000/3,000 (revised amount)
    House Deposit- 1,020.52/25,000.
    Jul'18- NSD- 5/20- Bring Lunch to work 6/20
    make-5pd in Jul- 20.52/155 Parcel 1/25
    • PositiveBalance
    • By PositiveBalance 4th Jun 18, 10:39 AM
    • 808 Posts
    • 4,125 Thanks
    PositiveBalance
    H Shelbi


    Emergency fund done by the end of June? I am impressed!


    Don't talk to me about food spends...I haven't had a 'big shop' since I came back from holiday and seem to find myself buying bits an pieces left, right and centre. I need to sit down and make a plan and stick to it! I went to make myself a vegetarian curry the other day and discovered that I didn't have two of the three tins I needed in the cupboard. Grr! (That's my skint-end-of-the-month veg curry recipe, except it's the beginning of the month!


    Keep going...focus focus on the EF. Imagine how good you will feel when you get that done!
    Original debt to source: 11,640.02; debt repaid: 6771.01 (58%); remaining debt: 5069.01
    0% CC balance: 4999.67 now
    2914.55 (42% repaid)
    Emergency Fund (#187): 0/500
    Terrimundi: fleeced!
    • Shelbi
    • By Shelbi 5th Jun 18, 9:46 PM
    • 731 Posts
    • 1,751 Thanks
    Shelbi
    Hi PositiveBalance


    "Emergency fund done by the end of June? I am impressed!" Thank you I'm still not sure I can make it but I'm going to give it a shot..worse case scenario I wont hit it but will be alot closer than if I didnt try


    "Don't talk to me about food spends...I haven't had a 'big shop' since I came back from holiday and seem to find myself buying bits an pieces left, right and centre. I need to sit down and make a plan and stick to it! I went to make myself a vegetarian curry the other day and discovered that I didn't have two of the three tins I needed in the cupboard. Grr! (That's my skint-end-of-the-month veg curry recipe, except it's the beginning of the month!" This tickled me, Thats so me, can never plan and stick to it and when I do I never have anything that goes together..also always go in for a few bits come out with more I dont know how everyone does it- Hope the month gets better hun, or at least goes quickly- I too will be spending the month on cheap go to meals- lots of soups, beans on toast, and pasta= my main food groups for the forseeable to Moneysaving Hoping my new found frugaldom will help me shed some pounds


    "Keep going...focus focus on the EF. Imagine how good you will feel when you get that done! " Thank you Honey Ill give it my best shot..hope the meal planning goes well and the debtslaying!! Onwards and upwards!!

    Shelbi X
    DFD-01.03.2018
    Save for xmas-34/365
    Emergency Fund- 3,000/3,000 (revised amount)
    House Deposit- 1,020.52/25,000.
    Jul'18- NSD- 5/20- Bring Lunch to work 6/20
    make-5pd in Jul- 20.52/155 Parcel 1/25
    • Shelbi
    • By Shelbi 5th Jun 18, 10:42 PM
    • 731 Posts
    • 1,751 Thanks
    Shelbi
    quick update...
    I had a good day today, managed a NSD which was ace, also I received 250 (an IOU from a dear friend) so that went straight to the EF account, and sent 2 quidco referrals to some friends, 50/50 split- one hopefully will save some money on a holiday shes booking if she uses it, so it is win win and saving on money pleases me no end.
    Still no freepostcode lottery wins but I forever remain optimistic!!

    I have 492.67 left in my account left over for the month...so the budget as it stands is:

    95.26 left in the grocery budget
    7.99 Netflix
    20 Socialising fund
    5 Oyster top up (for out of zone)
    6.30 Beauty fund
    50 gift fund (fathers day/birthdays)
    leaving 308.12 possible for the EF (with a bit of luck)

    Three weeks to payday...come on!!

    Have a wonderful evening guys...

    Shelbi X
    DFD-01.03.2018
    Save for xmas-34/365
    Emergency Fund- 3,000/3,000 (revised amount)
    House Deposit- 1,020.52/25,000.
    Jul'18- NSD- 5/20- Bring Lunch to work 6/20
    make-5pd in Jul- 20.52/155 Parcel 1/25
    • Shelbi
    • By Shelbi 6th Jun 18, 2:22 PM
    • 731 Posts
    • 1,751 Thanks
    Shelbi
    Happy Wednesday Guys!! half way through the working week
    So today has been a NS morning, OH gave me 160.00 towards the leccy & gas bill I paid bless himwhich was lovely as I wasn't expecting it and was happy to cover it...


    so that has gone straight into the bank and to my EF fund as well as some change I had in my purse.


    Managed to bring in lunch, and have HM breakfast...that's all that's happened so far today, other than work work work X
    DFD-01.03.2018
    Save for xmas-34/365
    Emergency Fund- 3,000/3,000 (revised amount)
    House Deposit- 1,020.52/25,000.
    Jul'18- NSD- 5/20- Bring Lunch to work 6/20
    make-5pd in Jul- 20.52/155 Parcel 1/25
    • Shelbi
    • By Shelbi 7th Jun 18, 5:21 PM
    • 731 Posts
    • 1,751 Thanks
    Shelbi
    Good afternoon guys, so today I'm on task for a NSD, I brought lunch and breakfast in (got to love leftovers). Ive been wracking my brains trying to think how I can hit my target of 5000 emergency fund before the 30.06.18 of today I'm 2217.74 short...I need to get this down.

    As the great Steve Covey said "As long as you think the problem is out there, that very thought is the problem!- So I need to start looking at me and the way I see things/act- So Turning to my mind for solutions and thinking outside the box here goes....

    Lets say If I got hit with a 5,000 bill payable on 30.06.18 how would I pay it. Would I use credit card- Nope thats not really my money and Id only have to pay it back. Could I use the money in stocks and shares- No- Id have to sell, they would take 10days plus - so no couldnt use that). Could I use my money stuck in premium Bonds- Yes, its mine, I could get to it in a few days, its only 200 but I can use it.

    That brings me down to 2017.74, ok how would I cover that, well I have 449.26 remaining balance still sitting in my account, if dad's Fathers Day gift is 10 or under (sorry dad) and I do 2 frugal 25 food shops, that will leave me 399.26 to move into the EF fund leaving 1618.48 still to save. Question could save 1619.48 from my salary in June, bearing in mind Ill be receiving 387 less due to increased season ticket loan deduction and increased pension deduction? Well yes if I go stealth frugal for July...Im talking NSK style.

    Welcome to my mind/thought process. Ill need to rejig my July budget but it is doable!!! ill give it some thought and head back- July has a lot of birthdays!!! this will need some thinking... Sorry for the ramblings- figure if I get my thoughts down It will help me formulate a P.O.A.. Would really love to be in a position to start saving for a house deposit with July's paycheck..right time to head home! have a fab evening Team MSE.

    Shelbi X
    Last edited by Shelbi; 07-06-2018 at 5:24 PM.
    DFD-01.03.2018
    Save for xmas-34/365
    Emergency Fund- 3,000/3,000 (revised amount)
    House Deposit- 1,020.52/25,000.
    Jul'18- NSD- 5/20- Bring Lunch to work 6/20
    make-5pd in Jul- 20.52/155 Parcel 1/25
    • Shelbi
    • By Shelbi 8th Jun 18, 4:52 PM
    • 731 Posts
    • 1,751 Thanks
    Shelbi
    Afternoon diaryland,so after much thought and come down from my coffee high Ive decided I will not be living on a shoe string to reach 5k by end of June, if im honest I think Im done with that and would rather have more balance- slow and steady less chance of me falling off.

    Im out of debt and have 2.7k in my EF, i figured as I have no dependents, or house a 3 month emergency fund will be just fine for now and totting up my expenses that id absolutely have to pay out per month (870) I figure if I put another 300 in there to make 3k we can call that George.

    July I will just budget a normal month with some fun built in , a small offering to kick of my house deposit saving, and just relax..

    Have a wonderful weekend all...

    Shelbi x
    DFD-01.03.2018
    Save for xmas-34/365
    Emergency Fund- 3,000/3,000 (revised amount)
    House Deposit- 1,020.52/25,000.
    Jul'18- NSD- 5/20- Bring Lunch to work 6/20
    make-5pd in Jul- 20.52/155 Parcel 1/25
    • Magpie100
    • By Magpie100 9th Jun 18, 10:05 AM
    • 121 Posts
    • 299 Thanks
    Magpie100
    Hey Shelbi,

    I was relieved to see your last post! I agree 3K for an emergency fund for you is fine - as you say, you have no dependants or house so that should be plenty and you can start saving for a house deposit when you are ready. You've done so well and are in a great position - I would hate for the 'all-or-nothing' mentality to be back where you deprive yourself of everything and then it backfires. You sound so on top of things now - it is great to see! Onwards to a house deposit!
    • PositiveBalance
    • By PositiveBalance 10th Jun 18, 12:39 PM
    • 808 Posts
    • 4,125 Thanks
    PositiveBalance
    Afternoon diaryland,so after much thought and come down from my coffee high Ive decided I will not be living on a shoe string to reach 5k by end of June, if im honest I think Im done with that and would rather have more balance- slow and steady less chance of me falling off.
    Originally posted by Shelbi

    I hear ya!


    Im out of debt and have 2.7k in my EF, i figured as I have no dependents, or house a 3 month emergency fund will be just fine for now and totting up my expenses that id absolutely have to pay out per month (870) I figure if I put another 300 in there to make 3k we can call that George.
    Originally posted by Shelbi

    Your EF is called George? I never thought to give them a name!


    *Ponders over what to call her own EF*


    3K sounds fine under your circumstances.



    July I will just budget a normal month with some fun built in , a small offering to kick of my house deposit saving, and just relax..

    Have a wonderful weekend all...

    Shelbi x
    Originally posted by Shelbi

    I'm delighted to hear that you will start saving toward your house next month. Without going back through your diary I can't remember if you have one of those house deposit savings accounts (LISA?) or if it is worth if for you.


    You've done really well so far () but let's think concretely here: how much are you aiming for in terms of deposit and how long do you think it will take you?


    What is your budget again?


    Have a lovely weekend and congratulations on moving forward so positively with your money.
    Original debt to source: 11,640.02; debt repaid: 6771.01 (58%); remaining debt: 5069.01
    0% CC balance: 4999.67 now
    2914.55 (42% repaid)
    Emergency Fund (#187): 0/500
    Terrimundi: fleeced!
    • Shelbi
    • By Shelbi 10th Jun 18, 8:25 PM
    • 731 Posts
    • 1,751 Thanks
    Shelbi
    Hi Magpie100 & Positivebalance

    Thank you guys, I think it should cover me for any emergencies that could come up I also feel alot better now that ive taken the pressure off my self setting overly challenging goals.

    Very happy on moving onto the house/flat deposit Im thinking id need about 20000-25000 if im honest maybe a little more (10%) I live in London and property is quite expensive, saying that I may look just outside london and will prob opt for a flat rather than a house as they're cheaper. Id like to not do a share to buy as I think they work out more expensive, but ill see what I can get nearer the time

    Id be looking for a 2 bed if possible. I think it will take me a year and a half - two years.

    No positivebalance I didnt name my account, "call that George" is something people say around me, it means job done, have no idea where exactly it comes from or why... Although I quite like the idea of naming my accounts

    I wont be able to get a LISA or a help to buy as I wouldnt be a first time owner (sadly). I did open up a regular 5% saver today 250pm, EF is sitting in a fixed easy access 5% current account with nationwide. TSB which gives 5% upto 1500 so I will fill that up next. after that ill search for another good savings account. Ill get there eventually.

    I will do a new SOA a bit later but Im hoping to save between 750 to 1000 a month (More if i get any bonuses at the end of the year), though ill know alot more Ive done the SOA... I hope you guys are having a fab Weekend..Hugs!!

    Shelbi X
    DFD-01.03.2018
    Save for xmas-34/365
    Emergency Fund- 3,000/3,000 (revised amount)
    House Deposit- 1,020.52/25,000.
    Jul'18- NSD- 5/20- Bring Lunch to work 6/20
    make-5pd in Jul- 20.52/155 Parcel 1/25
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