Weekly round up

Happy Friday everyone, just thought I would post quickly on the current financial sitch. My second Barclay's bank card came through in the post yesterday so I am now able to use my sole account for my monthly disposable income. I've decided to do this because at least then I know what will be going where and so on. It also has £0 overdraft, unlike my huuge interest free overdraft in my Santander account which I can dip into now and then- but would obviously rather not, so this new system stops this urge.

I now have £185 disposable income to last the remainder of the month which should be do-able at around £60 per week- anything left over is a bonus. I'm still owed one last £50 payment from the BF for the computer which will then be paid off.

I'm also owed around £23 for a short shift I did at the last minute at the pub, as well as £10 for the mystery shop at the weekend. My Santander account should just about make it through the month, but may go £50 overdrawn due to my standing order joint account payments and the way payday fell, and will fall this month. I should get paid the day after (with any luck) so won't be too bad.

Out for a few drinks with work tonight which is budgeted for, and lunch tomorrow with a friend and then continuing with the no-spend into next week.

Charity shop find and a quick update

A few days ago I was en route to do another mystery shop whereby I go into usually a bank, ask a few questions and fill out a form online and a company deposits £10.00 into my account for my troubles. I usually only accept a mystery shop assignment if it fits into my plans and isn't out of my way otherwise the payment wouldn't be worthwhile.

If anyone fancies becoming a mystery shopper here is the link https://www.grassrootsmysteryshopping.com/.

I was scheduled to go into the bank at 10am, but had gone straight to the shops after my morning zumba class and was a little early. The high street where I was had lots and lots of charity shops so I thought I would kill some time and have a look around while I waited. I usually like looking for bric-a-brac and purses and handbags in charity shops, and (I think?!) struck gold with this little find.

My current purse, which was a present over a year ago from my sister had a broken zip and any cash I had in it would fall out everywhere, and it was made from a hard material and was kind of plastic-y to hold. I found this purse/wallet thing in one of those bins you find in charity shops and was a snip at just 50p! It also says that it is made from cowhide, so I assume its real leather? Either way, I don't think its bad for just 50p.

Anyways, I have just enjoyed some yummy leftovers from last nights dinner at my desk- spaghetti, home made tomato sauce made from tinned tomatoes, garlic, onion and one yellow pepper with some frozen prawns. Sometimes I think people look at me a little strangely for bringing my own lunch in everyday, and not having super exciting plans scheduled for every single night after work, but I just try to stay focused on my end goal. I really don't want to be paying almost £1000 every month to pay for someone elses mortgage when I'm 30 if I can help it, and eating my own home made lunch and avoiding the pub in the week seems like a small price to pay.

Tonight I plan to use up the box of mushrooms sitting in the fridge with some chopped, fried bacon and perhaps some rice in a sort of freestyle oriental type sauce improvised from soy sauce, white vinegar and fish sauce. I'll make double and take the second portion to work with me tomorrow, then will have the microwave lasagna which is in the freezer on Friday lunchtime.

I've worked out my monthly budget which works out at around £60 disposable income for the next three weeks, which I think should be fine and may even have a little extra left. I'll then transfer this into the Barclays account once the card finally arrives, then all we need to do is for the BF to set up his standing order to me to pay back the CC, transfer the money usually used for council tax into our holiday fund and I think we're heading on the straight and narrow financial path...kind of.

In other news I have also had my hair cut asymmetrically, which is another resolution off the list for this year. It's probably the shortest my hair has ever been on one side, literally just above my left ear but think I have finally got used to it. The colour is still annoying me a bit, as its slightly darker and redder a few inches from my roots but I'm determined to grow my natural colour through this year... perseverance is definitely needed!

Hope you're having a happy Wednesday wherever you are. x

Be gone credit card and good riddance!

Yesterday myself and the BF spent the day in London celebrating Chinese New Year with my Mum and Dad. We headed past Trafalgar Square up to China Town in pursuit of dragons, drums and decorations. Things were pretty crowded and quiet in comparison to other years so feeling the cold we went to Carnaby Street for a bite to eat.

Conversation turned to our current living arrangements and how I am increasingly getting fed up with living with other people who bring drunk 18 year olds home who puke in our loo and who don't seem to know how to pick up a hoover. Anyways, after discussing finances and savings etc the conversation turned to my BF's credit card and the extortionate amount of interest he is paying, and what a rip off it is. My mum, (who used to be a personal banker) strongly advised that I pay off the balance of £900 using my savings, and my BF pay me back instead. A monthly repayment of £75 should clear it within the space of a year. So that's what we plan to do, I have just made the transfer and it should hopefully be paid off and sorted out by tomorrow.

They then said that if we (I?) continue to save how we/I am then they may be able to help us with some of the deposit on a flat in around a years time. I almost cried with relief that I won't have to put up with this situation for too much longer and we may even have our own, settled home. It almost seems to good to be true and so far away, but will feel so worth it if it does happen. Though it is a little disheartening transferring almost £1,000 out to pay of the credit card certainly makes financial sense in the long run. If things go to plan I should have around £10,000 by the end of July (if we stay living in the same place we are now- fingers crossed, even though the people aren't great its affordable, is a fairly nice, newly refurbished flat and is also great location wise).

So come July time that leaves ten months to save £500 per month, maybe more if I get a decent pay rise in October and the BF starts saving too. That's at least a total of £15,000 so would probably need to borrow £10,000 off my parents for a deposit. Their mortgage is going down shortly and they have my sister and her BF living at home paying a couple of hundred pounds rent between them so all being well they can help us towards our future. Eep!

Day to day saving seems so hard, but I just keep thinking every thing I buy means our own home is just a bit further out of reach. I've resisted the daily diet coke, and have a weeks worth of meals planned so won't need to do a shop until the weekend when I plan on going home as my BF is working nearly the whole weekend and I want a couple of uninterpreted good nights sleep (as well as some free food as well of course hehe!).

I'll keep my little turtle tracker at the same amount as I will be recouping the money over the next year and want to know where I am in relation to my overall goals.

Does anyone have any inspirational quotes to keep me focused? and does anyone else struggle with just keeping going? Please feel free to share your tips.

Hope you've all had a Happy Monday and may the frugal feeling stay with you.