3rd September 2019

These posts were originally posted on the MoneySavingForums (a UK money management site), I am moving my journals across to WordPress to have them in chronological order. I’m not sure how much of other people’s words I’m allowed to copy across from one site to another, so in some sections I may summarise conversations.

So been a little while since I updated… not had much to tell in all fairness. Just been ticking along. Made some payments off the credit cards, though not as much as I’d like (when is it ever).

The main thing is that my dog got ill, so I’ve been focused on that. He’s fine now, but I obviously had to spend money on medicine, and it’s just crept in under my policy excess. It wasn’t much, but it makes the month tight without dipping into Emergency Funds.

Actually it was kind of a learning experience because the first time I wasn’t too worried about the cost. Yes, I have pet insurance, but I still have to pay the bill first then get reimbursed afterwards, and in the past paying the bill would have destroyed me and my bank account. This time it was just kind of like “well, it’s not great, but I can handle it”. Turned out the idiot had just eaten something at the park and given himself food poisoning, but at one point the vet was like “I would have expected him to be better by now, bring him in tomorrow for tests” and the dog had miraculous overnight recovery, sigh. So I spent £50 on a probiotic bacteria and clay paste I had to get him in a headlock to eat.

But it was good that I wasn’t worried about the cost, if we had needed to do more. It was the first time I’ve felt that security.

It looks like my amended direct debits for the credit cards doesn’t go into effect until next month, it didn’t take the large amounts from my account this month. Which is fine and useful this month because of the dog thing but also somewhat confusing… if I budgeted £100 to go to the Red Card and the Red Card didn’t take it, why isn’t the £100 still left in my account? I’m assuming I got my sums wrong at the start of the pay period and paid too much off my cards manually, but I’ve checked my online banking and the DD dates for both cards are the 28th so if they haven’t gone by now they’re not going to.

I also realised that nowhere in my budget do I account for birthdays, and I have at least one friend or family birthday per month. Need to see if I can figure something out for that.

Right now I’m on track to come in under budget but it’s going to be another photo finish. I could let myself dip into the Emergency Funds to the tune of £50 to cover what the dog cost me but I’d rather avoid it if possible. I was planning on buying something on Amazon this month but I’ll have to put it off. My only monthly payments left to pay are the dog’s vet plan of £20, a D&G insurance for £2.39, and two weekly spends of £60 each for a total of £142.39…. I have £160.17left in my account. I’m going to try get that weekly spends down to £55 in the hope of still buying my Amazon prize after all, but we’ll see.

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