Payday update

That time of the month came again, payday. This time it meant I have just about exceeded my 10k mini target which feels pretty good, even though there's still a way to go. I'll wait for the £250 to go out of my account at the beginning of the month (into my 5% fixed payment saving account) and for this month's credit card payment to come out (£70, only £45 if my own personal spending) before transferring the £350 into my general ISA.

Our refund also came through from British Gas, £245! I've shifted the money almost straight away into our joint account every day saver, which is almost at £500 so as not to spend it. I'm not sure what this will be used for, either to book a holiday late in the year, flights in the summer to the BF's beachy home town, or as part of our stamp duty payment. Either way, its nice to know its there as last year our joint account was running on empty due to more expensive accommodation costs and we had to buy all our new furniture.

I also took out the Experian 30 day free trial to check my credit score to see if it had been affected by my lack of student loan repayments, and its in the good category with a score of 898 our of 1000. It seems that because I have very recently applied for credit I have been marked down, and because I'm not really using much of the credit it seems to be going against me a little- crazy right? Anyways, I'm aiming to improve my score by only using my credit card where ever possible rather than the money in my own personal account, or in our joint account. We need to improve the BF's credit score, I'm guessing that due to his lack of organisational skills and late credit card payments etc it wont be as high as mine so I think he may even start using the dreaded credit card for small amounts, now that he has set up a direct debit for the full amount to be paid off every month.

Finally, this month financially looks OK (all being well with the job- we've gone very quiet which is never good!). I've got a five hour bar shift on Saturday, which I'll get paid for seven hours. This covers money to renew our rental contract (£80 for them to file the contract- ridiculous!) as well as the last what I owe my housemate for last years TV licence with a little to spare. I also have those vouchers to pay for my dad's birthday present.

My clothes need a bit of a lift (again?!) so this lunch time I hot footed it down Oxford street to H&M as I had a £5 off voucher that expires on Sunday. I picked up a replacement pair of skinny blue jeans (two pairs of mine will be going in the bin) and a white t-shirt top as all my white tops have been relegated to 'house clothes' ie. a hop, skip and a jump from becoming pyjamas. I thought the jeans were £20, but scanned through the till at £9.99 so in total I spent £13. I've allowed myself around £30ish for new clothes this month, and I kind of need some new ballet pumps as the sole in mine is starting to go.

I think that's all the news on the financial front; the wintry weather is making it easier to resist the temptation to spend, you can't step foot outside the door without being drenched!

Onwards and upwards.... until next time x