Sunday, 29 April 2012

Getting organised

This weekend was really good on the frugality front; I spend under a tenner on some drinks in a bar having a catch up with a friend on Friday night. Saturday I worked and had a huge free early dinner, myself and the BF was really tired, and combined with the terrible weather we declined the offer to go to the pub with our two housemates. We cosied up on the sofa together and watched Britain's Got Talent as well as catching up on some of our favourite TV shows we'd missed in the week. I kept dropping off to sleep, I have no idea why I was so tired.

Today has gone by quite quickly, I got up when the BF left for work and sorted our entire room out, sorted the washing for the week, hoovered the flat and washed the kitchen floor. After all that I obviously needed another nap lol, as I fell asleep again. This afternoon I decided it was time to get my finances in order, the savings tracker just wasn't cutting it as I've got too many different accounts, as well as the money owed to keep track of. I managed to download an excel sheet from the internet and noted everything down. At the top of the columns were titles including; ISA 1, ISA 2, 5% saver, joint saver, money owed for BF's credit card, pension with a total at the end. I've tried to screen grab my uber-organised excel sheet but it doesn't seem to want to let me.

The good news is that my previous calculations in regards to the total was correct, I've reached £10,039.02 in tota, excluding my pension and joint savings. However, this month £250 will be going into our joint account due to the way payday fell and will fall at the end of May. I can stretch £50 pretty far, so to be without it makes things fairly tight, especially I had £30 worth of extra bills to find the money for too.

I've also got a couple of nights out to pay for this week, as well as a team lunch (the venue was picked by my manager and friend from uni who hasn't a clue on how to save money). He's picked a fairly expensive place, and when I said my RSCP was a maybe he said he would pay.

When friends offer to pay for things it always makes me uncomfortable, I would rather go quietly without, whether its an expensive lunch or some shots at the pub- I always try to politely decline and enjoy what I have budgeted for, but a lot of the time they don't like taking no as an answer. Does anyone else experience this whilst trying to save?

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