26th June 2020

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.

I only have £100 left on my credit card! (once the payments clear)
​​​​​​​Not including the Fitbit – which I just flat out had the money for, I just routed the payment through the CC – I paid off £196.56  this month. That’s so close to £200 I’m tempted to just… just a little bit… 
But whether I do or don’t, it’ll be paid off in full next month and I’ll be debt free! 
One thing I’ve been struggling with this month is, what is my moral responsibility to help others – in terms of things like donating to charity, or more specifically, to personal GoFundMe’s of friends that are struggling really really badly.
Some days I feel like I have so much money these days compared to what I used to – and one person saw my budgeting sheet about 6 months back and was like “oh my god you have so much money” – so I want to help people, I want to help them when they literally can’t pay their bills or have enough to eat.
But I’m not exactly living the high life here. I’m living in a shared house with a second hand laptop and I know that one bad month could ruin all my progress – maybe two if I’m lucky or smart. I’m not saving up for golden plated laptops, I’m saving up an Emergency Fund. The most frivolous things I’m saving up for are (next year’s) Pride, my next Fitbit in two years, and my debt free celebration whiskey. Everything else I would argue is either a necessity or one step removed from it. 
But I’m no longer struggling to pay my bills, and they are, and I’ve been there, and I want to help. 
But to give them the kind of help they need – they need more than £20 – I would have to take from my Emergency Fund. Which. Agh. 
**bangs head on wall**
Focus on the good stuff. Almost debt free!

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