26th & 27th & 28th October

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.

26th October

Last night I went on my first date in about a year, maybe a year and a half – and my first first-date in eight years

It went well but I dont think I’ll see her again


27th October

So my two DD for the Santander CC’s went out this past week, paying off a total £98.40 – I’ll manually send the final payment for the Argos card tomorrow and clear that balance.completely!

This month will be tight budget-wise but it wont exactly be tight money-wise, which is a new sensation for me. I’ll probably need to pull extra money from some savings categories, most likely my divorce category – it’s got the fourth most money in and the most wriggle room as to when the money needs to be ready by. Worst case scenario, the divorce gets puts back by a month, but I strongly doubt it’s happening bang on schedule anyway.
(For the record the top three savings pots are: Emergency Fund, £1000.61, H2B ISA, £449.81, and Christmas, £125… The divorce fund has £111.12)

So I can find the money if I need to. The reason why I might be stretched for cash is my Brexit panic attack/stockpile. If the Government came to a definitive decision on Brexit either way, if it happened, or if it definitivly didn’t, I could break into my stockpile. Maybe it was excessive, maybe it wasn’t. We can’t know until Brexit happens. However, if – as now seems likely – there’s another extension, I don’t want to break into my stockpile as I might need it after Brexit. I also spent approximatly 45% of my grocery category for this month on the stockpile.

My mental health has done worst things to my budget in the past, at least this will eventually be used.

In slightly lighter news, I’ve decided to add a takeout category to my budget after all. At this point in time I don’t plan to automatically assign money to it each month, I just want to steer transactions through it to try highlight how much I spend on it in a month. Similar to my “online shopping” category. I’ve found the last few weeks I’ve taken my eyes off the road a little and I keep sneaking into McDonalds without meaning to. If I’m tracking it, I can tackle it easier, rather than let it vanish into the groceries budget.


28th October

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.

October debt update: Paid a total of £113.38 off this month. Entirely paid off my Argos card, will call up and cancel that in a few days 🥳 🍻

Edit: ​​I thought to check in on my debt thermometer and I am 35% of the way to my being debt free! I created the debt thermometer in August so it doesn’t take into account anything I paid off before then. My!goal for 2019 was to pay off two credit cards and get out of my overdraft: so far I have pad off one card and got out of the overdraft. Only one card remaining! I am also 33% of the way to my Emergency Savings goal.

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