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Making Changes

September 15th, 2016 at 08:34 am

I've had to change the amount I put into savings. Well, as of Saturday it will change. I've decreased it by 18gbp; I'm now saving thirty pounds each pay period (Four-weekly) I still dream of paying back the money I withdrew this year - that's why I increased it in the first place - and having five hundred pounds in it, but hopefully next year.

Paying Hubby's credit card each month has added to the budget (thirty something pounds). I hate withdrawing from savings so I thought it made sense to decrease it.

In other news, hubby's birthday is fast approaching. When I got him the tv from my rewards in April/May, I said no presents on his birthday since that is a big enough gift. As it turns out, I've bought him a game he wanted and a book. I'll be making a cheesecake too. I'm going to get SG to help bake the cheesecake and blow up some balloons. We might get a takeaway, I'll see.


July 23rd, 2016 at 02:27 pm

I've got two different savings funds to keep track of now. I was going to write it down in a notebook, but thought I'd keep track on here too. They're in the same savings account.




Holiday Fund: 40.00

Tota savings: 184.61

During the first few months of the year when we were struggling, I withdrew money from the EF. Slowly trying to replace that.


May 29th, 2016 at 08:48 am

I was feeling upbeat until I checked my credit card statement this morning: I got a late payment fee! I can't believe I let this happen! Apparently it only takes that to ruin my mood. I'm getting over it now.

I paid both of hubby's catalogues yesterday. Minimum payments are about 160.xx now in total. I also paid 30 to one of hubby's buy now pay later items. I'll be so happy the day that I can stop using that phrase.

I took SG shopping for a princess outfit for the birthday party that's coming up. While there I also bought her a few other things. Next on the list is a little present for the birthday girl. I'm thinking crafts,something small.

I've increased my weekly savings deposits. I owe money to my emergency fund so this will help to pay it back.

I tried to add money to my Christmas savings card but the till wouldn't accept the transaction; if this happens again I'll just put the cash aside.

Bad month

March 24th, 2016 at 03:07 pm

It's been a tough month. I've completely blown my very low budget of 80gbp for food shopping, withdrew some cash from savings and borrowed some money from my mum. Ugh.

I don't know how on earth I'll reach any of my goals if we keep on like this.

I redeemed 3.00 rewards from my survey today and I'm almost at enough Swagbucks for 5.00 PayPal. When these come through I'll put them towards Jason's cot that km paying off so I don't miss the deadline (29/4)and it gets added to my catalogue bill. I was debating whether to put it towards my credit card, bank of Scotland, but this is more important right now,

I'm thinking from June onwards I'll put any snowflakes towards Christmas shopping.

I'm going to make a note of how much I owe to savings. I really don't know if I'll get it paid back this year. I hate owing myself money. I worked hard to save it.

I'm on the lookout for a new job, work is getting me down.

Hubby has been invited out by his friends. We really can't afford it but I want him to go because it's been over a year since he's seen them.

Emergency Fund Update: Goal Met

December 12th, 2015 at 05:37 am

340.00 Beginning Balance
+10.00 Four-weekly deposit
+_2.00 weekly deposit


352.00 New Balance

It's bittersweet though because it will be getting used soon. Such a pity.

Emergency Fund Update

November 15th, 2015 at 08:42 am

322.00 Beginning Balance
+10.00 Four-weekly deposit
+_2.00 weekly deposit


334.00 New Balance

Emergency Fund Update

November 5th, 2015 at 09:09 am

318.00 Beginning Balance
+_2.00 Weekly deposit


320.00 New Balance

Emergency Fund Update

October 25th, 2015 at 07:12 am

316.00 Beginning Balance
+_2.00 Weekly deposit


318.00 New Balance

32.00 to go

Emergency Fund Update

October 18th, 2015 at 07:17 am

304.00 Beginning Balance
+10.00 Four-weekly deposit
+_2.00 Weekly deposit


316.00 New Balance

Emergency Fund Update

October 11th, 2015 at 09:17 am

302.00 Beginning Balance
+_2.00 Weekly deposit


304.00 New Balance

46.00 to go to reach my goal. I'd love it if I could get this done in one swift deposit but I will have to wait for my automatic deposits.

Emergency Fund Update

October 4th, 2015 at 08:22 am

300.00 Beginning Balance
+_2.00 Weekly deposit


302.00 New Balance

Emergency Fund Update

October 1st, 2015 at 07:03 am

292.78 Beginning Balance
+_1.11 Tesco coupon
+_3.75 Survey rewards
+_2.00 Weekly deposit
+_0.36 To even out amount


300.00 New Balance

Emergency Fund Update

September 19th, 2015 at 06:14 am

280.78 Beginning Balance
+10.00 Four-weekly deposit
+_2.00 Weekly deposit


292.78 New Balance

Emergency Fund Update

September 13th, 2015 at 09:08 am

278.78 Beginning Balance
+_2.00 Weekly deposit


280.78 New Balance

Emergency Fund Update

September 6th, 2015 at 10:40 am

276.78 Beginning Balance
+_2.00 Weekly deposit


278.78 New Balance

Short Update

September 3rd, 2015 at 05:59 am

I was debating whether or not to update, even though there's not much to talk about. I think I was losing interest in my blog there but I don't want people to think I'd fallen off the bandwagon and was away racking up debt or spending my minimal savings (if I disappear). I realise it's only been a week since my last update. I guess I just think I'm at a point where I will talk about anything in this blog. Or, almost anything. I'm unsure whether this is a good or a bad thing


Spending has been all over the place. Seems to be the theme these last few weeks. Food shopping has not been helped with me buying some processed foods. And steak.

I got my haircut. It's a total change.

I haven't totaled up my snowflakes for August.

EF is now at 276.78.

I think that's it.

Emergency Fund Update

August 23rd, 2015 at 05:30 am

252.78 Beginning Balance
+10.00 Leftover money
+10.00 Four-weekly deposit
+_2.00 Weekly deposit


274.78 New Balance

Update, payday etc

August 21st, 2015 at 06:30 am

Today is payday, but I have a few things to update first.

My impulse spending still seems to be happening a lot. It's mostly something for lunch after work, or out for lunch with the kids, like we did on Monday. Mostly my reason for it is to get something to eat on the way home from work because I'm usually starving by the time I finish. I need to start packing something to eat on the way home.

Speaking of work, the trousers that I wear at work are becoming a bit of a nightmare. Or rather, they have been like that for a while and now it's really starting to get to me. On Monday night I decided that I was definetly going to buy a new pair after work on Tuesday. It means going into the shopping centre and I can never be bothered, but I thought I'd definetly make myself go then.

Well, it never happened. I was three hours into my shift at work when I fainted. The first aider at work decided to call an ambulance. They came out, spoke to me about my weight, blood sugar etc and told me to get an appointment with my doctor. I was lucky enough to get an appointment that day. When I seen the doctor he told me to keep a food diary and come back in a few weeks. As per recommendation, I've now joined my fitness pal to keep track of calorie intake.

I thought I'd lost my bank card but I found it this morning.

I recently qualified for one of those mum surveys. 5gbp reward, so I should have that soon. My Survey emailed me because I haven't been attempting surveys recently. I attempted a few so that's sorted now. My attention seems to be either on surveys or swagbucks, I don't have time for both.

Yesterday I checked my bank balance only to realise that I still had money left over before payday. I transferred some to my emergency fund .

Today I woke up and seen that my pay was less than normal, although I think I was late a few times. It's not drastic though so we'll be fine.

I paid minimum to BOS this morning. I've also paid Christmas savings. I think there's only one pay left of paying them, I'm going to double check. There's possibly only three or four more paydays until my huge buy now pay later (BNPL) item gets added on.

It's dh's birthday next month. It's over four weeks away so we'll be paid before then. Any meals out will come out of that pay, unless I manage to keep money aside from this one.

We've almost finished the last of the meat from the huge order I did online a while ago. I'll have to actually buy meat this pay period.