27th November 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.

My laptop isn’t charging 😦

Well I guess I am getting a new laptop at Christmas, so, timing could be worse

But I wish it’d wait a month

I’ve ordered a new laptop charger on same day delivery. Fingers crossed that’s the issue, or it will be a long month.

If it works this evening I’ll do a longer post with my numbers for the month on. My spreadsheet is on the laptop.

Edit: I’m dumb. I asked for same day evening delivery but I’m out this evening. Idjit.

Got my laptop working! At ten to eleven, with work tomorrow, sigh…

I’ll make it brief, just the numbers, will have to leave the emotions for tomorrow **tucks away my oscar speech**

End of November Update (also doubles as Start of December Update… I haven’t set a fixed date for when I do these)

Official Savings Pots(kept in their own separate bank accounts)
Emergency Savings – £1050.61
H2B ISA – £474.81
Monthly Saver – £125.00 – this has gone a bit wonky: this was meant to be a Christmas savings, but it doesn’t have a card, so I’ve been buying Christmas presents from my current account. Before my next paycheck I will close this account and merge it into my current account, it’s more hassle than it’s worth. My “Christmas Savings” category on YNAB only has £50.99 left in after buying Christmas presents.
Pride Savings – £40.00
Total – £1690.42

Other Small Savings Funds(kept in current account)
Dad’s Birthday – £75.00
YNAB – £25.74 (there was some left over)
Divorce – £166.68
Total – £267.42

Red Card – £86.33
Black Card – £891.44
Total – £977.77

My debt has dipped below £1000!!! 🥳🍻🥳🍻

My debt PAYMENT also dipped below £100 this month – last month I was paying off the last of the Argos card, and the Black Card’s minimum is subtly decreasing as I go along. I put £98.13 towards debt payment this month and my overall debt thermometer says I’m 40% of the way to being debt free. Last month my debt payment was £113.38.

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