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    • pennyforthepot
    • By pennyforthepot 18th Apr 18, 7:03 AM
    • 599Posts
    • 2,033Thanks
    saving my future self from debt
    • #1
    • 18th Apr 18, 7:03 AM
    saving my future self from debt 18th Apr 18 at 7:03 AM
    Due to an unexpected rather large shortfall in income over the last 12 months I am short in my rental pot for the next 12 months by 16,000.

    The objective of my thread is to motivate myself to claw back the money over an 18 month period to prevent myself from getting into debt. It won't be easy as my earnings are limited and my budgets have been shaved down already. But with a little savvy know how and a lot of determination (and lentils ) I hope to get a good way towards my target.

    I aim to use this diary to motivate myself by recording my little daily achievements (and probably failures too) as well as reading as many diaries as I can which help with motivation and picking up tips.

    Penny for the Pot pftp
    Goal:to save 16,000 by 30/08/2019 claw back rental costs
    Apr18 -2107/16000
Page 8
    • pennyforthepot
    • By pennyforthepot 17th May 18, 5:32 PM
    • 599 Posts
    • 2,033 Thanks
    I dipped into the life of 'the wealthy' today when my boss took me to lunch at Bicester Village, a high end designer retail outlet en-route back from a client meeting. It was interesting!

    We drove up in her new 80k+ Tesla which had a smart screen in the front bigger than my laptop screen and also had this Back to the Future doors that open upwards We valet parked (at a small cost of 35) but she didn't want a valet to drive her car so she just paid for the parking spot! Bearing in mind that we were only going for lunch we left having spent somewhere in the region of 1000 on 2 pairs of designer shoes, a designer iPhone case, some rather expensive yoga leggings and tops and a few Jo Malone bits. A whopping 18.75 of this was me as I bought a pack of 6 Origins Facemasks which retail at 5 each but I got for a little over 3 each and will make great stocking fillers for DD and DSs GF.

    I found it quite overwhelming to be honest with you, so much stuff that was soooo expensive, yet some of the stuff didn't look any different to the high street shops. I did enjoy doing a bit of window shopping but there was little that drew me in. I was interested in doing some price comparisons on the make up,skin care products and candley bits as they make good Christmas pressies. I must check on line to see if I can get them cheaper elsewhere.

    All in all I can honestly say I didn't feel jealous or wish I had more money - there was a lot of aimless shopping going on by lots of rich people who didn't seem any happier than I was, but it was nice to be taken out and experience something different.

    The Scores in the Doors remain the same again today as I haven't spent from any of my monthly cash pots so I won't bother posting them for fear of losing the whole post.

    11.73 - daily available spend
    1.65/28.40 - electricity

    Oh and I almost forgot the 3p gain I made from my s123 account for direct debits after the 5 account fee! Really must look into moving this account, thinking of Barclays as they have a good switch offer on at the moment

    Off to Brighton for the weekend tomorrow

    PFTP X
    Last edited by pennyforthepot; 18-05-2018 at 6:13 AM.
    Goal:to save 16,000 by 30/08/2019 claw back rental costs
    Apr18 -2107/16000
    • pennyforthepot
    • By pennyforthepot 20th May 18, 7:10 PM
    • 599 Posts
    • 2,033 Thanks
    What a beautiful weekend again. DH booked us into an Airbnb near Salisbury for Saturday night so we were up and out early Saturday morning enjoying a scenic journey. We stopped off at Lepe and did a 5 mile coastal loop looking out to the Isle of Wight then treated ourselves to a well deserved lunch over looking all the boats that were out in the sunshine. We got to our Airbnb - which I have to say was absolutely gorgeous. A converted barn, Scandie decor, on the top of a hill surrounded by nothing but rolling hills and a few cows. We spent a couple of hours in Sailsbury, visiting the cathedral and taking a walk along the river before we popped into Mr T and picked up a finest meal as a treat and a bottle of wine. Drove back leisurely today feeling rested and refreshed (well DH more than me as he snores and I don't ).

    MSwise I'm too tired to work out the sums but DH paid for the accommodation, I paid for the petrol and the rest came out of our Brighton pot, spend of around 65 from there.

    Spent around 12 on food on Friday for DD and 10 today, 10 on petrol so I think I have around 140 left in my cash pot for the rest of the month so my daily available spend is around 12.70. Will do the detailed spends tomorrow as I'm too tired to enter everything into my spreadsheet today.

    Tonight I shall be having an early one zzzz

    PFTP X
    Goal:to save 16,000 by 30/08/2019 claw back rental costs
    Apr18 -2107/16000
    • apple muncher
    • By apple muncher 20th May 18, 7:53 PM
    • 7,271 Posts
    • 54,706 Thanks
    apple muncher
    Sounds like a wonderful weekend. And those pesky sums can wait a little bit longer...
    NST May #1; NSD 12/19 ; Ex 16/20 ; craft 3/30 (66); remove 31 (402)
    2018 Pay off: 1626; 2
    018 sell

    Mortgage 21,422 (01/14: 78,201; 01/15: 59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • beanielou
    • By beanielou 20th May 18, 9:03 PM
    • 53,923 Posts
    • 213,371 Thanks
    Glad that you had a lovely weekend.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger.
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