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  • FIRST POST
    • a_silver_lining
    • By a_silver_lining 21st Nov 17, 3:52 PM
    • 257Posts
    • 694Thanks
    a_silver_lining
    Money Saving Mojo 2
    • #1
    • 21st Nov 17, 3:52 PM
    Money Saving Mojo 2 21st Nov 17 at 3:52 PM
    Since buying my flat in 2014 I have tried and failed to rebuild some savings and repay a family member's loan. I first had issues with my mental health in 2013, and since then have had a few episodes, which have greatly impacted on my finances. It's a stark difference from my early 20's of saving money and being career orientated.

    In 2015 I started well and paid 1k off the mortgage and 2.5k off the loan. I actually had over a grand emergency fund.

    In late 2015-2016 I then suffered with my mental health and experienced long term sick leave unpaid. I spent a lot of money trying to feel better and then focused my spending on doing up my home.

    2016 I changed jobs to try and help my mental health. My wage dropped and I kept spending money on holidays and home.

    Early 2017 I went from full-time to part-time with another gap with no money on sick pay. I changed career entirely and it seems to have been the best decision for me. This alongside help from services and more self care has helped me feel happier.

    Presently I am on a much tighter budget with this new job and need to relearn how to manage my money. I have been paying 25 a month towards my family debt for a while, and so have paid off 2750/10,000k so far. I have 650 emergency fund, which I would like to increase to 3k before increasing my repayments to family. I am currently putting 250 aside (or plan to!)

    Will sort out a SOA later in the week

    Other plans this week are to put some items on ebay cheap just to shift them. I also want to return some crackers I bought and make my own Christmas cards this weekend.
    19/12/14: Spent 10 years of savings!!
    ..... to buy my first home.

    2018: 1800 savings --- Family Loan (3400 direct + 2250 saver + 132.58 saver 2) 5782.58/10K paid 57.8%
    #38 1% Challenge: 514.70/ 2018, now at 25%!
Page 3
    • a_silver_lining
    • By a_silver_lining 25th Jun 18, 8:05 PM
    • 257 Posts
    • 694 Thanks
    a_silver_lining
    Payday. Another 250 in the regular saver aimed towards debt repayment, so 5500/ 10K, 55% paid off!

    I pushed over my monthly budget again. It means that rather then saving/ paying off 650 a month it's more like 550.

    I've taken another look at my spending aa-gain and I've realise that since New Years I have spent 120 on the lottery. I keep saying I am going to quit my work lottery and tomorrow I will. Eatin gout is still a big spend. 127.27 this month and 116.65 last month. That's 250 I could have in my savings account. The rest of my spending I have kept pretty low.

    I've started clearing the house and garden and I have taken pictures of a fair few bits and have some bags full of other bits. It always amazes me how much stuff I find that I don't need. I also filled three bags with garden waste and non charity shop items. Garden is now beautiful and tidy.
    19/12/14: Spent 10 years of savings!!
    ..... to buy my first home.

    2018: 1800 savings --- Family Loan (3400 direct + 2250 saver + 132.58 saver 2) 5782.58/10K paid 57.8%
    #38 1% Challenge: 514.70/ 2018, now at 25%!
    • a_silver_lining
    • By a_silver_lining 28th Jun 18, 6:29 AM
    • 257 Posts
    • 694 Thanks
    a_silver_lining
    300 sent to my regular saver, so 1800 savings.

    I've bought nothing for three days now and brought in lunch to work each day. My cravings for additional food have been lower due to the heat, so it'a probably a good time of year to kickstart eating less and eating healthier. I've also not had any sweet treats, which is a big one for me.

    Busy day today, so off to face it without cash or card in my pocket. I'm bringing a flask of tea and have lunch and a snack made.
    19/12/14: Spent 10 years of savings!!
    ..... to buy my first home.

    2018: 1800 savings --- Family Loan (3400 direct + 2250 saver + 132.58 saver 2) 5782.58/10K paid 57.8%
    #38 1% Challenge: 514.70/ 2018, now at 25%!
    • a_silver_lining
    • By a_silver_lining 29th Jun 18, 10:15 PM
    • 257 Posts
    • 694 Thanks
    a_silver_lining
    Another NSD. 6 in a row I think. I struggled today not to buy some plants. They are a real bargain and I've not stopped thinking about them. At the end of the day I put them on a trolley to put out for sale tomorrow. I'm still itching about them... Sigh.

    Yesterday I was close to buying a work coffee and had a brief moment of thinking I would buy a takeaway.

    Wok lottery cancelled, so that it 10pm savings, 20 if I keep up not buying my usual additional tickets.
    19/12/14: Spent 10 years of savings!!
    ..... to buy my first home.

    2018: 1800 savings --- Family Loan (3400 direct + 2250 saver + 132.58 saver 2) 5782.58/10K paid 57.8%
    #38 1% Challenge: 514.70/ 2018, now at 25%!
    • a_silver_lining
    • By a_silver_lining 1st Jul 18, 11:34 AM
    • 257 Posts
    • 694 Thanks
    a_silver_lining
    I worked out my last spending was on the 23rd. So today is actually 8 NSD in a row. I had to buy cat food and suntan lotion last night, but I've included that in shopping as a necessity so still holding my NSD.

    Today at work I put the plants I wanted back out for sale at work. This was a massive thing to me as I was in love. But I realised that I could buy all the pretty, unique things I want once I've moved.

    Tonight the plan is gym. I exercise loads at work but I need some cardio to raise my heart rate. I might see if we can pop to the shops to buy some yoghurt and bananas to make ice lolly's. I've been eating healthily for a similar time I've been NSDing so I'm hoping to loose some weight. It's been all veg and less carbs, which to be fair is easy in this weather!

    Going to keep plodding on
    19/12/14: Spent 10 years of savings!!
    ..... to buy my first home.

    2018: 1800 savings --- Family Loan (3400 direct + 2250 saver + 132.58 saver 2) 5782.58/10K paid 57.8%
    #38 1% Challenge: 514.70/ 2018, now at 25%!
    • a_silver_lining
    • By a_silver_lining 2nd Jul 18, 3:29 PM
    • 257 Posts
    • 694 Thanks
    a_silver_lining
    Checking in early with 9NSD in a row.

    Almost bought a lottery ticket on my phone today after seeing an advert on instigram. I input my password incorrectly, then was interrupted by a colleague and then forgot my new password so I took it as a sign and bought nothing. Phew!

    Couple of donuts eaten at work today (for free!) but otherwise I have been healthy. Dinner alone tonight as my other half of back late, so I'm going to have fish and veg as she hates fish!

    Have been weighing up on two money saving options. First is my partners friend is getting married abroad. We looked it up and flights and hotel would be about 750 for the pair of us. We've decided to not go and take her and her new hubby out for a meal when we are next over. I think we could then spend under 100 and still be a wonderful way to celebrate... I keep miming and aching if we should go though.

    Second dilemma is who is cat feeding when we are away on holiday. I had asked a colleague's daughter to do it as she has previously. I had decided to pay her 100. However, I now have the possibility of our neighbours doing it for free. We have been watering their garden for the 17 days they have been on holiday so I feel comfortable hat we could ask them... I don't want to let down my colleagues daughter though, and there's also the risk the cat needs to vet and I feel better someone who is being paid taking him to the vet then neighbours.....
    19/12/14: Spent 10 years of savings!!
    ..... to buy my first home.

    2018: 1800 savings --- Family Loan (3400 direct + 2250 saver + 132.58 saver 2) 5782.58/10K paid 57.8%
    #38 1% Challenge: 514.70/ 2018, now at 25%!
    • a_silver_lining
    • By a_silver_lining 3rd Jul 18, 12:08 PM
    • 257 Posts
    • 694 Thanks
    a_silver_lining
    A real money waffle post.

    I ummed and ahhed about how much to pay directly to the person I owe. Went for the max I can this month. 150 paid directly to the debt, so 3400 direct paid, plus 2250 in my saver = 5650 /10k 56.5% debt repaid.

    This feels extra good as it means that 30% of the debt has been repaid directly to the person I owe. Focusing on the next step, just 1050 from 2 3rds repaid, or 6700 repaid

    I've sat and done another budget. I've found that due to bills being slightly lower then I calculated and my wage being a few pounds higher I have 22.35 extra a month then I thought. Every penny counts.
    19/12/14: Spent 10 years of savings!!
    ..... to buy my first home.

    2018: 1800 savings --- Family Loan (3400 direct + 2250 saver + 132.58 saver 2) 5782.58/10K paid 57.8%
    #38 1% Challenge: 514.70/ 2018, now at 25%!
    • a_silver_lining
    • By a_silver_lining 3rd Jul 18, 10:24 PM
    • 257 Posts
    • 694 Thanks
    a_silver_lining
    10NSD in a row. Today was just a 2.08 food shop on necessities. My neighbour just gave us several bixes of chocolates and sweets for watering their plants, so I think we are sorted for a while.

    I went to the gym for a couple of classes and ate well again. It's been a couple of weeks now and I feel miles better in myself.

    Tomorrow I'm training so I've organised lunch, snacks and drinks to keep me buying anything at college. Only spend will be on travel, but this will be reimbursed by work.

    I tracked down quidco owed to me and chose to transfer it into an Amazon voucher for 4% more money. So that's 11+ to use towards next times cat food.

    I also sorted through more items and took photos. I listed my first add on gumtree and will do more tomorrow on my lunch break.

    Feeling a bit more on track with life. I think this means I've had my lightbulb moment.
    19/12/14: Spent 10 years of savings!!
    ..... to buy my first home.

    2018: 1800 savings --- Family Loan (3400 direct + 2250 saver + 132.58 saver 2) 5782.58/10K paid 57.8%
    #38 1% Challenge: 514.70/ 2018, now at 25%!
    • a_silver_lining
    • By a_silver_lining 4th Jul 18, 5:21 PM
    • 257 Posts
    • 694 Thanks
    a_silver_lining
    My first non NSD, so 10/11NSD. I was good and bought no food or drink at my training day when everyone else went to the cafe.

    However, on the way home I was in a very, very posh town between my bus and train and so I decided to pop into a charity shop to see if they had any posh people clothes bargains.

    I have a minimalist wardrobe since doing Kon Marie over a year ago so since doing it I actually haven't bought clothes other than for work or replacement sandles, sports bra etc necessities. I have been looking for skirts and dresses which fall longer to my knee as I am inching further into my 30's and think I need to dress more sensibly.

    I ended up picking up a Monsoon skirt, as new, for 4.99. It isn't natural fibre, which I prefer, but fits perfectly and gives me an alternative to dresses this summer. I only own about three tops, but now they can be worn (I just hope they don't clash!)

    I also found a Jack Wills 100% Merino wool cardigan in my partners size. It's perfect apart from a few superficial bobbles I'm cleaning off it. It was 6.99 and I think, I hope, she will be thrilled as I think it's perfect for her! If not I'll ebay it in Autumn

    No other spends, just need to remember to get my travel reimbursed tomorrow at work.

    Planning on putting some items on gumtree tonight, but no gym or major activities as my brain is a blur from studying!

    Edited to add that I added a few items for sale on gumtree and one for free collection. The bulky free item is being picked up on Sunday. I also have someone coming after work tomorrow to pick up a bulk lot of items for 15. Fingers crossed. Plan is to list them and some smaller items on eBay if there's no interest by the weekend.

    I'm going to spend the cash rather then my card so I can use the left over at the end of the month to save or repay debt.

    Plan this weekend is to buy a bra for work using money made cashing in some games and DVDs. Will explore the beat way to make this money tomorrow
    Last edited by a_silver_lining; 04-07-2018 at 10:56 PM.
    19/12/14: Spent 10 years of savings!!
    ..... to buy my first home.

    2018: 1800 savings --- Family Loan (3400 direct + 2250 saver + 132.58 saver 2) 5782.58/10K paid 57.8%
    #38 1% Challenge: 514.70/ 2018, now at 25%!
    • a_silver_lining
    • By a_silver_lining 6th Jul 18, 7:30 AM
    • 257 Posts
    • 694 Thanks
    a_silver_lining
    20 Made yesterday on gumtree sales. A little bit lighter.

    It was a spend day as I spent about 2.20 on a drink at work. So 10/12 NSD.

    UPDATED TO ADD:

    Spending in 12 days

    Cat food: 15.99
    Food shopping 7.07
    Gifts 6.99
    Clothes 4.99
    Eating out 2.20
    Total: 37.24

    Made money:
    20 Gumtree
    11.80 quidco on Amazon voucher

    Planned spends:
    Sports bra for work
    Top up shop for vegetables this weekend
    Top up shop before partners brother visiting
    Spending when he visits (though sort out some free things to do)

    EDIT TWO:
    7.29 spent on a basic foodshop. I'll count today as a NSD as it was necessity. 11/13 NSD.

    Plan tomorrow is to try and return and item for a refund. It's out of time but the manager seems to agree that I can return it.
    Last edited by a_silver_lining; 06-07-2018 at 9:27 PM.
    19/12/14: Spent 10 years of savings!!
    ..... to buy my first home.

    2018: 1800 savings --- Family Loan (3400 direct + 2250 saver + 132.58 saver 2) 5782.58/10K paid 57.8%
    #38 1% Challenge: 514.70/ 2018, now at 25%!
    • a_silver_lining
    • By a_silver_lining 7th Jul 18, 11:04 PM
    • 257 Posts
    • 694 Thanks
    a_silver_lining
    A day of two half's. 10/13 NSD.

    Managed to get a full refund for an item well over due being returned, so that's 87 heading back to my account. I also scored 14 free cat food, so that's the boy fed for three weeks. We went for a free and healthy walk today. I picked another big pot full of blueberries, I am amazed how much fruit I've had from my garden this year, it must be 10's of s.

    I spent most of my money in cash today using the 20 I made on gumtree and change from my saving pot, hopefully this will mean that I'll have that extra in my bank account to move to savings or pay off the debt at the end of the month!

    On the money saving front we've cut down our time showering and halved our water use. I've been using this water to water non edible garden plants, so I'm expecting but savings. Today we wanted icelollys and went to Lidl's and they were way cheaper then buying them individually so that was a bonus

    Spents 47.84 and 15.23 on food shopping. That's 77.93 this month and I think will be us sorted bar a top up shop when my partners brother visits at the end of the month. He eats a fair bit, so I'm planning bulk cheap food that weekend.

    Spent 7.18 on lunch and water for our walk, not technically food shopping so putting in the eating out category.

    I went to buy my sports bra and all they had was very expensive ones. I bought one and a sale pair of trousers but tomorrow we are going to Sports Direct to see if they have cheaper sports bras and I may return the trousers, so will report back with the amount spent when I've hopefully lowered it!
    19/12/14: Spent 10 years of savings!!
    ..... to buy my first home.

    2018: 1800 savings --- Family Loan (3400 direct + 2250 saver + 132.58 saver 2) 5782.58/10K paid 57.8%
    #38 1% Challenge: 514.70/ 2018, now at 25%!
    • a_silver_lining
    • By a_silver_lining 8th Jul 18, 10:47 AM
    • 257 Posts
    • 694 Thanks
    a_silver_lining
    Having a think this morning... I was stood up by someone coming to pick up some wood for free. It left me a little deflated as I had so much interest but held out for the first person to pick up at this later date.

    Shaking off that feeling I've decided to turn the wood into a bench for my garden. I figure I have enough left over screws and paint to manage it. I also have a garden gate I was going to put up for 25, but I'm going to list it for 35 and then see if I need to take it apart for parts to fix my shed door and make this bench. Will measure up later today when it's shady.

    Rest of my adverts are going to be posted on ebay today, along with some other items. Off to photograph some more bits.

    On the money spending front... I jumped yesterday from 46.73 total spent on the 6th, to 162.78 total spent yesterday. 47.50 of that wasthe sports bra (29ish for two) and trousers (18 in the sale, which sounded good at the time), so I have decided to return them and to buy the best cheapest bra at Sports Direct instead. I debated ordering online, but I'd rather find a good fit.

    So taking that money off my spending I am at:

    77.93 food shopping
    15.99 cat food
    9.38 eating out
    6.99 gifts
    4.99 clothes
    115.28 Total in 12/30 days

    I'm only planning on a mini top up food shop, the cheaper sports bra and my partners brothers visit. I would LOVE to do this month for under 200, so I can move that 100 to savings, plus the 20 gumtree money made and 87 refund, plus whatever else I can make this month...

    Edit

    I forgot to add this week that work has paid for my next year of college study. I was just grateful they were letting me go to college and thought I would pay, but they have paid the 600 and are giving me each Wednesday off so I come in only 2.30-6pm. I'm shocked and very happy.

    They have also booked me into three training courses this month which are lifelong qualifications equalling about 1k. It pretty much sets me up in my career. I'm super happy still being underpaid though, but was told they would review that after a year, so will see if that comes to fruition!
    Last edited by a_silver_lining; 08-07-2018 at 11:03 AM.
    19/12/14: Spent 10 years of savings!!
    ..... to buy my first home.

    2018: 1800 savings --- Family Loan (3400 direct + 2250 saver + 132.58 saver 2) 5782.58/10K paid 57.8%
    #38 1% Challenge: 514.70/ 2018, now at 25%!
    • a_silver_lining
    • By a_silver_lining 8th Jul 18, 12:48 PM
    • 257 Posts
    • 694 Thanks
    a_silver_lining
    I was going to trade in some games in person but decided to check online sites. Benefited from 10% Extra code and making 10 more then if I went to the shops. Requested a label to be posted to me, so waiting for that. All going well I should make 53.04!

    So far made money July:
    11.05 quidco amazon voucher... Has been emailed to me
    20 gumtree sales
    87 refund of returned item bought four months ago In account now
    53.04 we buy books... pending
    171.09 so far
    Last edited by a_silver_lining; 11-07-2018 at 8:03 PM.
    19/12/14: Spent 10 years of savings!!
    ..... to buy my first home.

    2018: 1800 savings --- Family Loan (3400 direct + 2250 saver + 132.58 saver 2) 5782.58/10K paid 57.8%
    #38 1% Challenge: 514.70/ 2018, now at 25%!
    • a_silver_lining
    • By a_silver_lining 8th Jul 18, 8:14 PM
    • 257 Posts
    • 694 Thanks
    a_silver_lining
    Didn't manage to return the trousers and bras as got to the shop too late. I did manage to find two cheaper bras for work, they were 13 for two, so miles better then the 29 I was going to pay for one.

    I used a Boots gift card I got back at Christmas and bought toiletries for the next few months. I've recorded it as a spend though, to keep me spending lower this month, so 13.40 in the shopping spends.

    I discovered that my partner had a restaurant choice giftcard, so I'm going to hunt down a half price Pizza Express deal and we can take her brother out for food when he is down using the 25 voucher. That's one meal sorted

    Total spends are now 141.68 for the month and giving today a NSD as only necessary work clothes and shopping bought. 11/15NSD I think.
    19/12/14: Spent 10 years of savings!!
    ..... to buy my first home.

    2018: 1800 savings --- Family Loan (3400 direct + 2250 saver + 132.58 saver 2) 5782.58/10K paid 57.8%
    #38 1% Challenge: 514.70/ 2018, now at 25%!
    • a_silver_lining
    • By a_silver_lining 9th Jul 18, 10:40 PM
    • 257 Posts
    • 694 Thanks
    a_silver_lining
    12/16 NSD. No spends today. Listed 10 items on ebay, fingers crossed!
    19/12/14: Spent 10 years of savings!!
    ..... to buy my first home.

    2018: 1800 savings --- Family Loan (3400 direct + 2250 saver + 132.58 saver 2) 5782.58/10K paid 57.8%
    #38 1% Challenge: 514.70/ 2018, now at 25%!
    • a_silver_lining
    • By a_silver_lining 11th Jul 18, 11:25 AM
    • 257 Posts
    • 694 Thanks
    a_silver_lining
    14/18 NSD, as spent nothing yesterday or today. Passed my exam yesterday and gym so was very good. Today it's just tidying and maybe more ebay listings. I've sold one item! After postage and fees 6 turns into about 1 profit haha. Going to do my best to reduce postage costs .
    19/12/14: Spent 10 years of savings!!
    ..... to buy my first home.

    2018: 1800 savings --- Family Loan (3400 direct + 2250 saver + 132.58 saver 2) 5782.58/10K paid 57.8%
    #38 1% Challenge: 514.70/ 2018, now at 25%!
    • a_silver_lining
    • By a_silver_lining 12th Jul 18, 10:27 AM
    • 257 Posts
    • 694 Thanks
    a_silver_lining
    So managed to sell another item on Gumtree for 20!

    Posting my ebay sale today, so will update with whether I posted it for cheaper and made more. Got it cheaper by packaging flat, so made 1.49 more.

    So far made money July:
    11.05 quidco amazon voucher... Has been emailed to me
    40 gumtree sales
    87 refund of returned item bought four months ago In account now
    53.04 we buy books... pending
    2.55 profit after fees and p&p ebay
    193.64 so far

    Money found to spend later:
    35 We also found that my partner has 35 in MnS vouchers, so we are going to treat ourselves to a coffee today and save it for future use. 7 spent, so 18 left to go for a coffee when her brother visits.
    25 Restaurant voucher found and using when a guest visit.
    11.05 quidco voucher saving to use on catfood on Amazon.

    Money to do
    Getting the 47.5 refund from MnS returning the sale item and bras. Done
    Post ebay item today. Done
    Take more pictures and list on ebay.
    Ask neighbours to cat sit to save 100 cost. Done

    Money spent
    7.39 food shopping. This is my last food shop until payday on the 27th, so partner will be buying. Fingers crossed! She just needs to buy top up perishables and snacks for her brother visiting.
    Leaves me 50 to cover her brother visiting

    15/19 NSD
    Last edited by a_silver_lining; 15-07-2018 at 5:33 PM.
    19/12/14: Spent 10 years of savings!!
    ..... to buy my first home.

    2018: 1800 savings --- Family Loan (3400 direct + 2250 saver + 132.58 saver 2) 5782.58/10K paid 57.8%
    #38 1% Challenge: 514.70/ 2018, now at 25%!
    • a_silver_lining
    • By a_silver_lining 13th Jul 18, 12:30 PM
    • 257 Posts
    • 694 Thanks
    a_silver_lining
    NSD 16/20 I believe

    I moved 129.55 of my earnt money this month into a saver to put towards the debt.

    I joined a load of survey sites and I'm going to take a look at them tonight. Still need to list a few more ebay bits online.
    19/12/14: Spent 10 years of savings!!
    ..... to buy my first home.

    2018: 1800 savings --- Family Loan (3400 direct + 2250 saver + 132.58 saver 2) 5782.58/10K paid 57.8%
    #38 1% Challenge: 514.70/ 2018, now at 25%!
    • a_silver_lining
    • By a_silver_lining 14th Jul 18, 10:50 PM
    • 257 Posts
    • 694 Thanks
    a_silver_lining
    17/21 NSD.

    A spend free one today. I've made another few pounds on eBay. I need to transfer the money to my account tomorrow. I've packaged both it and my webuybooks parcel using free bubble wrap from work so just need to find time to post it. And I spoke with the neighbour so have free cat sitting for my holiday and have saved the 100 I normally pay

    Getting more into the swing with this moneysaving malarkey. I feel like it's easier to walk away from items on sale, the opportunity to buy food out etc.
    19/12/14: Spent 10 years of savings!!
    ..... to buy my first home.

    2018: 1800 savings --- Family Loan (3400 direct + 2250 saver + 132.58 saver 2) 5782.58/10K paid 57.8%
    #38 1% Challenge: 514.70/ 2018, now at 25%!
    • enthusiasticsaver
    • By enthusiasticsaver 15th Jul 18, 8:48 AM
    • 6,684 Posts
    • 14,181 Thanks
    enthusiasticsaver
    You are doing really well both with saving and debt repaying. Lots of NSDs this month too and saving 100 by having your neighbours look after the cat is good.
    Debt free and mortgage free and early retiree. Living the dream

    I'm a Board Guide on the Debt-Free Wannabe, Mortgages and Endowments, Banking and Budgeting boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Any views are mine and not the official line of moneysavingexpert.com. Pease remember, board guides don't read every post. If you spot an illegal or inappropriate post then please report it to forumteam@moneysavingexpert.com
    • a_silver_lining
    • By a_silver_lining 15th Jul 18, 5:30 PM
    • 257 Posts
    • 694 Thanks
    a_silver_lining
    You are doing really well both with saving and debt repaying. Lots of NSDs this month too and saving 100 by having your neighbours look after the cat is good.
    Originally posted by enthusiasticsaver
    Thank you so much enthusiasticsaver I feel like I waffle on here a lot, but I'm really looking forward to reading back over the month when payday gets here and working out how much money I could have wasted!

    -
    NSD 18/22.

    Today I posted the webuybooks parcel during my lunch break, so fingers crossed I hear from them soon. I've asked my partner to post the ebay parcel as I'm on training Mon-Wed.

    I joined some survey sites in my lunch break. I always loose interest with them, but I'm going to give a couple a go and look only on my lunch break.
    19/12/14: Spent 10 years of savings!!
    ..... to buy my first home.

    2018: 1800 savings --- Family Loan (3400 direct + 2250 saver + 132.58 saver 2) 5782.58/10K paid 57.8%
    #38 1% Challenge: 514.70/ 2018, now at 25%!
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