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  • FIRST POST
    • a_silver_lining
    • By a_silver_lining 21st Nov 17, 3:52 PM
    • 335Posts
    • 938Thanks
    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: 2.7k personal savings --- Family Loan (3.6k paid direct + 3k in saver + 437.70 saver 2) 7037.70/ 10K paid 70.37%
    Extra cash made 2018: 940.42
Page 4
    • a_silver_lining
    • By a_silver_lining 16th Jul 18, 7:06 PM
    • 335 Posts
    • 938 Thanks
    a_silver_lining
    NSD 19/23.

    Training today, survived the first day of a fork lift driving course! Terrified. Getting through today has made me realise I could relearn to drive a car... if I pass then I will look at this as it will open up job opportunities and locations to buy our next home.

    Came home to another reminder of why I am desperate to save and move, my neighbour has erected a permanent flag pole. I had hoped that it was temporary for the world cup... but he has changed it to a UK flag now... so I guess not.

    Had an offer on ebay, I've counter offered. A mini bite on gumtree, will see if it amounts to anything. I had a mystery shopper email, so replied straight away to say I could do two of the tasks. Fingers crossed as it will be my first try

    I've been surveying as well but keep getting annoyed when I am booted out of surveys. I'm not sure it is the best use of my time
    19/12/14: Spent 10 years of savings!!
    ..... to buy my first home.

    2018: 2.7k personal savings --- Family Loan (3.6k paid direct + 3k in saver + 437.70 saver 2) 7037.70/ 10K paid 70.37%
    Extra cash made 2018: 940.42
    • a_silver_lining
    • By a_silver_lining 16th Jul 18, 8:03 PM
    • 335 Posts
    • 938 Thanks
    a_silver_lining
    Urg. Just signed up for something to get swagbucks points and didn't read the small print and now it's going to cost me money. Gutted. I've emailed them but I don't think there's anything I can do. Just going to do my best to cancel and avoid swagbucks for now.
    19/12/14: Spent 10 years of savings!!
    ..... to buy my first home.

    2018: 2.7k personal savings --- Family Loan (3.6k paid direct + 3k in saver + 437.70 saver 2) 7037.70/ 10K paid 70.37%
    Extra cash made 2018: 940.42
    • a_silver_lining
    • By a_silver_lining 17th Jul 18, 9:14 PM
    • 335 Posts
    • 938 Thanks
    a_silver_lining
    19/24. No NSD for me today as I bought lunch at work. Survived my second day of fork lift training though! Exam tomorrow, so will see how I do.

    Parcel posted and after fees I have made 3.03. I have now paid 57.8% of my debt
    19/12/14: Spent 10 years of savings!!
    ..... to buy my first home.

    2018: 2.7k personal savings --- Family Loan (3.6k paid direct + 3k in saver + 437.70 saver 2) 7037.70/ 10K paid 70.37%
    Extra cash made 2018: 940.42
    • a_silver_lining
    • By a_silver_lining 18th Jul 18, 10:05 PM
    • 335 Posts
    • 938 Thanks
    a_silver_lining
    19/25. Bit of a spendy day. I ended up buying a small tree fern to celebrate. Whoops. Just need to scrape through the weekend with a visitor down. Poor planning and plant buying has cost me about 70...

    On the plus side I have sold another two items on eBay. Have done some surverys and the company I thought I was stuck in contract with me to say they would not be taking an additional payment, phew! I'm mystery shopping for the first time tomorrow too.
    19/12/14: Spent 10 years of savings!!
    ..... to buy my first home.

    2018: 2.7k personal savings --- Family Loan (3.6k paid direct + 3k in saver + 437.70 saver 2) 7037.70/ 10K paid 70.37%
    Extra cash made 2018: 940.42
    • a_silver_lining
    • By a_silver_lining 20th Jul 18, 7:46 AM
    • 335 Posts
    • 938 Thanks
    a_silver_lining
    19/26. Not a NSD yesterday as the BIL is visiting

    Posted my ebay parcels, so 8.87 profit. Need to move this tonight into my saver.

    8.20, 6 and 2.29 spent on food out and about for the day. Resisted buying a Monsoon sale dress (two actually) and making another pot at our pottery class for 10. So good over all. Told myself I had bought the tree fern yesterday and that was the big splurge.

    Today I'm back to work for a day, so will hopefully be a NSD.
    19/12/14: Spent 10 years of savings!!
    ..... to buy my first home.

    2018: 2.7k personal savings --- Family Loan (3.6k paid direct + 3k in saver + 437.70 saver 2) 7037.70/ 10K paid 70.37%
    Extra cash made 2018: 940.42
    • a_silver_lining
    • By a_silver_lining 21st Jul 18, 11:10 AM
    • 335 Posts
    • 938 Thanks
    a_silver_lining
    20/27 NSD yesterday as at work. Today I think will be a spend day as we may be going out tonight. I never go for a night out, so interested to see what I manage to spend/ not spend.

    Still have 61.79 left in my account until payday, but have 35+ Cash ready for the night out. I was hoping to have 100 at the end of the month to move to my saver, but will take what I can

    I sold my gumtree item, so have transferred 20 for this and the 8.87 into my debt paying saver, 161.45 extra made this month so far to come straight off the debt! Still waiting for webuybooks money to be sent over.

    Going to relist two gumtree and ebay items. I can't do a lot of money making this weekend with the BIL over, but will see what I can wrangle.

    ...

    On another note, this week I've started feeling the pinch. A good friend I don't see often enough has asked me if I want to run the Shoreditch 10k with her. It's 42.50. Another friend invited me to a festival I don't think I can make and asked me to buy her zine for 5. Work wants me to go to a 45 Christmas do, plus drink money... feeling a bit of pressure
    19/12/14: Spent 10 years of savings!!
    ..... to buy my first home.

    2018: 2.7k personal savings --- Family Loan (3.6k paid direct + 3k in saver + 437.70 saver 2) 7037.70/ 10K paid 70.37%
    Extra cash made 2018: 940.42
    • a_silver_lining
    • By a_silver_lining 22nd Jul 18, 9:24 PM
    • 335 Posts
    • 938 Thanks
    a_silver_lining
    20/29. Two spendy days in a row. Spent 30 last night on going out, plus side is that is the last of the spends for his visit.

    Today was meant to be a NSD but I agreed to go on the 10k run my friend wanted to go to. Hoping the rest of the week will be NSD. My partner is off to the family so I will be eating what food we have in the house. I have a feeling it will be a fair bit of pasta and frozen veg.
    19/12/14: Spent 10 years of savings!!
    ..... to buy my first home.

    2018: 2.7k personal savings --- Family Loan (3.6k paid direct + 3k in saver + 437.70 saver 2) 7037.70/ 10K paid 70.37%
    Extra cash made 2018: 940.42
    • a_silver_lining
    • By a_silver_lining 25th Jul 18, 7:05 AM
    • 335 Posts
    • 938 Thanks
    a_silver_lining
    21/31 one spendy day and one NSD. Have in and bought a takeaway for the guests last night visiting. I have a bad summer cold so I was craving food. Also bought a 1.50 panini for lunch. Today I'm back on track and have made lunch to take to training today and tomorrow so planning two NSD to end the month. Paying for travel but Work will refund on Saturday.

    Friday is payday and a reset of my budget and NSD. I am visiting a friend but planning on walking the journey rather than public transport. I'll bring a bottle of wine or something maybe as I have a stash.

    I know I started last month well and then dipped so I'm going to have to make plans for this one. I need a haircut and we are off on holiday (though have a fair bit of euro for spending) so need to have a really tight rest of the month...
    19/12/14: Spent 10 years of savings!!
    ..... to buy my first home.

    2018: 2.7k personal savings --- Family Loan (3.6k paid direct + 3k in saver + 437.70 saver 2) 7037.70/ 10K paid 70.37%
    Extra cash made 2018: 940.42
    • Rachel24
    • By Rachel24 25th Jul 18, 6:29 PM
    • 203 Posts
    • 731 Thanks
    Rachel24
    Just read your diary and have subscribed:-) 60% paid is fantastic, hope you can clear as much as you can by the end of the year. You have lots of NSD's, I need to get motivated and do the same!
    • a_silver_lining
    • By a_silver_lining 27th Jul 18, 11:50 AM
    • 335 Posts
    • 938 Thanks
    a_silver_lining
    Thank you Rachel24 I just use this place to waffle and to jog my memory as to how much I have paid, it is a life saver. I will have a look and see if you have a diary so I can cheer you on too! NSD are hard, but the biggest difference for me has been NSD at work by bringing in lunch and enough snacks to see me through the day. If I pretend I'll eat less I end up buying junk food there.

    ---

    Ended last month on a NSD, so 22/32 NSD.

    Today is PAYDAY! and a NSD 1/1.

    100 directly to the family loan, and 53.04 extra made money means 6214.51/10K paid 62.1%

    I'm off work so have had a big read through my online banking, mobile spending tracker and this diary to assess last month. Took me an hour! but well worth it. I think I can now say I've had my light bulb moment as my spending has improved, but still wiggle room.

    This is my total spends (Excluding mortgage, bills, saving and debt repayments)
    April: 547.02
    May: 454.11
    June: 456.07
    July: 331.89

    I'm almost there to meeting my budget:
    Income: 1301.73
    Partners contribution: 410
    Total Income: 1711.73

    Mortgage and bills: 742.44
    Personal Savings: 300
    Debt Saver: 250
    Direct Debt Payment: 100
    Total Outgoings: 1392.44

    Remaining Available to Spend: 319.29

    When reviewing my month I can see that I could have easily spent 157 on things I normally would have said yes to, like the work lottery, my own lottery playing, a 18 paid of sale trousers I returned, 50 on my half of cat sitting payment etc. This would have taken my spending to 488, more in line with my previous months spending.

    I did realise, however, that I spent 118 on things I could have said no to. There's my wiggle room for this month. Half of that was food when entertaining, a takeaway when entertaining and eating on training out rather then bringing lunch. Although I halved my eating out spending this month, I still have a way to go.


    Plans for the Month
    To keep focused on not eating out and bringing work lunch.
    To keep up the gym more and more. To attend my free PT next week.
    To work out a cheaper way to get my haircut and to think about whether I need it dyed...
    To find the cheapest way to enjoy Pride.
    To enjoy but spend low on my holiday and to spend low for the next two weeks so I have money there.
    To chutney my tomatoes just before my holiday as I doubt they will survive without me.

    Making Money

    I made and saved 161.47 in July

    I've calculated that in order to hit my debt free by Christmas goal I need to make an additional 1838.56.

    Right! Great start to my challenge refresh. I've just been paid the 53.04 I have been waiting for from webuybooks.

    53.04/1838.56, now at 2.8%!

    I haven't got any more pending money so today the plan is to photo and list a few more bits on ebay and gumtree. I haven't got a lot left to sell after all my selling this year...

    I am toying with selling a computer console I don't use but was a big gift.... I also have old phones and mp3 players, a really old kindle. So I'm going to explore how to wipe memory and sell these next.
    19/12/14: Spent 10 years of savings!!
    ..... to buy my first home.

    2018: 2.7k personal savings --- Family Loan (3.6k paid direct + 3k in saver + 437.70 saver 2) 7037.70/ 10K paid 70.37%
    Extra cash made 2018: 940.42
    • a_silver_lining
    • By a_silver_lining 29th Jul 18, 7:47 AM
    • 335 Posts
    • 938 Thanks
    a_silver_lining
    300 sent to my savings, so now at 2100! Think this means I would roughly have estate agent fees when selling if I go through a normal agent. Haha. Weird way to look at it.

    Ah, and yesterday was a NSD for me as will today be, so 3/3 NSD.
    Last edited by a_silver_lining; 29-07-2018 at 8:24 AM.
    19/12/14: Spent 10 years of savings!!
    ..... to buy my first home.

    2018: 2.7k personal savings --- Family Loan (3.6k paid direct + 3k in saver + 437.70 saver 2) 7037.70/ 10K paid 70.37%
    Extra cash made 2018: 940.42
    • a_silver_lining
    • By a_silver_lining 30th Jul 18, 12:58 PM
    • 335 Posts
    • 938 Thanks
    a_silver_lining
    2/3NSD.

    Boo. Bit of a spendy one today, but no other spends planned so checking in.

    I pulled out of the work lottery last month, but was told today that I needed to pay one more 10 due to timing, so 10 down.

    I bought a Disney baby photo frame in the Work sale. Got extra discount on top so 7.20. Am going to use my boots voucher to print some pictures and then have a beautiful baby gift bag I bought for 40p in the sale last year and some lovely wrapping bits so will give it to my partners sister when we visit in a few weeks.

    1.50 and 1.30 spent in the work coffee shop impulsively. So at 20.

    -

    On the plus side I went through another drawer of scalable things last night and decided to let go of a lot of art stuff I have carried around with me for years. Will put it online for 20 or so as a job lot I think.

    Waiting for some quidco bits to clear so I can remove money.
    19/12/14: Spent 10 years of savings!!
    ..... to buy my first home.

    2018: 2.7k personal savings --- Family Loan (3.6k paid direct + 3k in saver + 437.70 saver 2) 7037.70/ 10K paid 70.37%
    Extra cash made 2018: 940.42
    • a_silver_lining
    • By a_silver_lining 1st Aug 18, 7:36 PM
    • 335 Posts
    • 938 Thanks
    a_silver_lining
    Just checking in to say 2/6 NSD.

    No money making to report as been focused on an exam I sat yesterday (and passed! yay). Gym today and I think an early night as gyming after work tomorrow too.

    We have decided to forgo Brighton Pride this weekend and my partner has booked a day out instead. We will be bringing packed lunch and I am going to try limiting my spending, so aiming for NSD Thursday and Friday at least!
    19/12/14: Spent 10 years of savings!!
    ..... to buy my first home.

    2018: 2.7k personal savings --- Family Loan (3.6k paid direct + 3k in saver + 437.70 saver 2) 7037.70/ 10K paid 70.37%
    Extra cash made 2018: 940.42
    • a_silver_lining
    • By a_silver_lining 3rd Aug 18, 7:52 AM
    • 335 Posts
    • 938 Thanks
    a_silver_lining
    Realied this time I've been counting NSD the wrong way around, so actually at 5/7 NSD this month :P

    Today is due to be a NSD also as I'm bringing in lunch and working until 8pm! Phew. so if I don't check back in I am at 6/8 NSD.

    I've been getting wobbles to spend money, mostly lottery tickets and junk food at work. I crashed yesterday food wise and ended up eating melted chocolate from the work fridge which is written off at work. Balanced it out with a gym session after.

    Today I need to chase up about my training course for next year. Work kindly, very kindly, offered to pay for it... but I've had an email through from the college and it's 700 more then I had read on their website. I've no idea how I've got that confused. I recon that they will ask me to pay the difference, which is fine, but will take me further away from my debt saving goal.
    19/12/14: Spent 10 years of savings!!
    ..... to buy my first home.

    2018: 2.7k personal savings --- Family Loan (3.6k paid direct + 3k in saver + 437.70 saver 2) 7037.70/ 10K paid 70.37%
    Extra cash made 2018: 940.42
    • a_silver_lining
    • By a_silver_lining 3rd Aug 18, 2:53 PM
    • 335 Posts
    • 938 Thanks
    a_silver_lining
    So it will be 5/8 NSD.

    I've found evidence that they misadvertised the course price and have raised this issue with the college, but I have looked up legal rights and I think they will charge me the full 682 difference. Work will not pay for it. I'm weighing up if it's worth doing the course now as it's a huge amount of money, and whether it will make enough of a difference career wise.

    I felt low and so spent 1.50 on a panini at work and left my salad in the fridge.
    19/12/14: Spent 10 years of savings!!
    ..... to buy my first home.

    2018: 2.7k personal savings --- Family Loan (3.6k paid direct + 3k in saver + 437.70 saver 2) 7037.70/ 10K paid 70.37%
    Extra cash made 2018: 940.42
    • a_silver_lining
    • By a_silver_lining 5th Aug 18, 2:38 PM
    • 335 Posts
    • 938 Thanks
    a_silver_lining
    Isn't life just full of ups and downs?

    So my boss has said that he will pay the full course fee for me. I'm gobsmacked as it is almost 1300. He has said as long as I stay, so I imagine I will be asked to sign something for x amount of years. This is amazing, utterly, as it's beneficial for the role in the sense of increasing my knowledge base, but not necessary for the role. He could have just asked me to try and read and increase my knowledge in my own time.

    My next concern is that he will use this course as a way to under pay me, not in a bad way, but that he will see it as negating the need for a payrise.

    I have been working in my promotion underpaid, which was agreed, as he said he would like to see me survive the busy season and then review pay in late autumn. I think this was fair as I came from a completely different career and was promoted very quickly and unexpectedly, so he was rightly unsure if I would do well in the role. I have, and I'm so proud of my team and the statistics we have met. I've already picked up more increased responsibilities since then, which would be the next level of promotion, though on a casual basis.

    The company has a no talk clause and no indication of wage brackets, but my research shows that I should be on 1.5k more in my present role, and possibly another 1k for the increased responsibilities. I actually think that it should be more, but this is based on the lowest end of advertised roles. I'd be happy with the 1.5k if I knew others were being paid the same.

    Anyway, I'm not complaining! They have been fantastic in giving my promotions and letting me have time off to study last year and now a day off a fortnight to study and paying for my course. If they factor in fair pay in a few months I'll definitely stay long term

    Off topic of my job, but linked, is that I want to set some more goals to focus on. My training isn't until late September, so I have some time to learn something new. I'll have a think on that.

    --

    Spending wise is has been a little spendy, but not massively. Friday 60P spent on the lottery. I withdrew the rest of my money and need to go back to avoiding buying tickets.

    Yesterday we went out to a festival. 3.70 on food to bring with us so we spent none there. 9.28 on some makeup as I forgot to bring mine. It's much cheaper mascara and eyebrow pencil then I normally buy. I'm loving the mascara, but not sure about the colour of the eyebrow pensil. Will try to use up as I was almost out of my current brands and will save a bit of money. About 20 saved probably. 7.02 given to my partner to cover part of the day out.

    2.60 today on going to a carbootsale and buying a lovely Monsoon dress.

    5/10 NSD as all spendy days. At 64.70.

    Aiming for NSD galore the next few weeks before our holiday. We have euros put aside for it as we were gifted them previously. I have given i and booked a nice haircut... it is 85 for a cut and colour and I have it done about three times a year... hmms....
    19/12/14: Spent 10 years of savings!!
    ..... to buy my first home.

    2018: 2.7k personal savings --- Family Loan (3.6k paid direct + 3k in saver + 437.70 saver 2) 7037.70/ 10K paid 70.37%
    Extra cash made 2018: 940.42
    • a_silver_lining
    • By a_silver_lining 7th Aug 18, 8:14 PM
    • 335 Posts
    • 938 Thanks
    a_silver_lining
    Super roller coaster. I think I must have been due some major positive karma as the college have decided that they will not charge the 700 difference. Amazed by this as they very easily could have stuck to their guns. Big saving for my employer and leaves me in a massively better position.

    -

    Tried out Shopmum. Very impressed. Free nutella and someone used my referral code kindly so 4 off my shop. They have already refunded me by paypal so meant a 10 shop came to 20p. I'm recording it as 10 spent in my daily spend tracker and moving 9.80 to my debt repayments! Nutella will be saved for some baking treats I think.

    Transferred money from mini ebay sale also.

    Unexpected cat vet bill and he is booked in thursday for a mini op. I'm unsure whether to pay for blood tests as he is a bit older now. I'm going to check with insurance to see what they will cover.
    19/12/14: Spent 10 years of savings!!
    ..... to buy my first home.

    2018: 2.7k personal savings --- Family Loan (3.6k paid direct + 3k in saver + 437.70 saver 2) 7037.70/ 10K paid 70.37%
    Extra cash made 2018: 940.42
    • a_silver_lining
    • By a_silver_lining 8th Aug 18, 12:44 PM
    • 335 Posts
    • 938 Thanks
    a_silver_lining
    6/13 NSD I think. Lost track there but a NSD today. At 108.53 this month and tomorrow will be a spend with the cat at the vet. Decided not to claim on the insurance as the increase of cost will not be worth the small amount.
    19/12/14: Spent 10 years of savings!!
    ..... to buy my first home.

    2018: 2.7k personal savings --- Family Loan (3.6k paid direct + 3k in saver + 437.70 saver 2) 7037.70/ 10K paid 70.37%
    Extra cash made 2018: 940.42
    • a_silver_lining
    • By a_silver_lining 15th Aug 18, 4:42 PM
    • 335 Posts
    • 938 Thanks
    a_silver_lining
    Lost a post so will summarise. Finding I'm fixating a bit too much on money, property, deadlines, plans for the future. Ended up taking today off work as feeling rather low.

    In an attempt to readjust my mental health I've decided to set some goals and plans for other part of my life to shift the focus. I've got so e time for this as I'm away on holiday for two weeks visiting my partners family, staying in a cottage away and then a couple of days at home.

    I'm going to go back to exercising four times a week as right now I am managing once, if that.

    I'm going to start studying towards my February exams as the more I can learn now the better.

    I'm going to start planning a book I had an idea for quite a few months ago.

    I'm going to get back into art. This is an ongoing battle with myself, but I think my holiday is the time to start.

    Will check in in a few weeks
    19/12/14: Spent 10 years of savings!!
    ..... to buy my first home.

    2018: 2.7k personal savings --- Family Loan (3.6k paid direct + 3k in saver + 437.70 saver 2) 7037.70/ 10K paid 70.37%
    Extra cash made 2018: 940.42
    • a_silver_lining
    • By a_silver_lining 31st Aug 18, 12:08 PM
    • 335 Posts
    • 938 Thanks
    a_silver_lining
    Mini check in as paid.

    250 added to debt repayment account.

    I was paid 230ish by cat insurance so moved that plus an extra 8ish leftover from last month into debt saver to make it a round number. Now at 6500/10k.

    300 put into savings account. Now at 2400.

    Holiday was paid for by gifted money and we kept in budget by only eating out once. I did buy a nice metal water bottle, which I have wanted for ages to cut down on plastic. Bought a vintage dress in a charity shop for 10 and also treated myself to a little plant and a magazine, but good all together.

    Came back and did a food shop. Pending 5.39 cashback for items I would have bought anyway. I will move repayment to debt repayment when done.

    Found a several year old MandS voucher and it worked. Used 10% off Sparks code so 20 needed item cost 8. Will move 12 to debt repayment.

    My only planned spending this month is a visit to a friends for her birthday/ moving in party, which I will bring several bottles of wine from my store (Partner is often given wine by parents, which we don't drink.) and a trip to London which will cost travel, but I will bring some food and make us dinner to save money.

    I am off work for the next three days so money saving plans are to pick berries, to cycle to another town to pick up jam jars (the cheapest I could find), make jam, make a massive curry to last the week, wash and dry laundry outside, list some items on gumtree and ebay, free activities by gym membership and study and lastly switch gas and elec as near end of tarrif.
    19/12/14: Spent 10 years of savings!!
    ..... to buy my first home.

    2018: 2.7k personal savings --- Family Loan (3.6k paid direct + 3k in saver + 437.70 saver 2) 7037.70/ 10K paid 70.37%
    Extra cash made 2018: 940.42
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