16th & 19th December 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.

16th December 2019

In response to a commenter saying their kids got more expensive as they got older

I can imagine! When they’re very young you can just get them a shiny, primary coloured car or something, but at a certain point they start wanting iPhones… (there might be an inbetween stage, I’m not sure)

Its occurred to me that I get paid on the 19th, but I was planning on doing an entirely new budget on the 1st. Do I budget twice this pay-month? Or do I start the January budget on the 19th? I’m not sure. Practically, I need to budget some of it on the 19th. For groceries and the like. I just dont know whether to do a whole complete budget that only lives for a week and a half…

19th December 2019

The day before payday this month I had over £300 in my account, and in December no less. Again, it all had jobs, so it wasn’t spare or leftover money, but compared to December 2018 I had -£1,100 on the day before payday, so definite improvement!

My last DD for the red card should go out before the New Year, paying that off entirely.

I’ve ordered the yarn for my temperature blanket, hopefully that’ll arrive by New Year.

I found out today that I’m going to get £1000 from my Nan’s will in the New Year. I think I’ll put it into my H2B ISA, but it’s a difficult choice. If it were money from premium bonds or lottery or similar then the best way to immediately improve my quality of life would to pay off all my debt immediately – but it doesn’t feel right to use inheritance money for that.

I’m struggling a bit with the old mental health, but it’s mostly manifesting as fatigue.

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