Money Wise Talks 10/03/2022

I feel like I’ve been away for ages, but it’s only been a few weeks.

Time has stood still since losing my little brother. And the motivation to do anything disappeared entirely.

Grief is a crazy thing isn’t it. One minute your eating a bag of crisps, next minute your crying into them. And I still can’t believe he’s gone. Taken far too soon at 34 years. Life is really cruel.

It’s made me feel abit like I want to go ‘YOLO’, but I know I’ll be undoing all the good habits I have been building, abeit not perfectly but with definite effort on my part.

In terms of my money, I’ve not been tracking it and feel it has got out of hand. However, I have not used my credit card at all and even cash flowed two bald tyres on the car.

What I have Spent This Week

£15.80 Hobby Craft for World Book Day

£3.50 Next T Shirt for World Book Day

£17.40 Tesco

£13.61 Just Eat – Takeaway

£3.00 Drinks

£17.30 Just Eat – Takeaway

£100 Two car tyres

£0.87 Car Parking

£10.38 Macdonalds

£5.99 Football

£20.00 Donation to Epli

£10.18 Macdonalds

£60.36 Morrisons

£10.00 Cash (just in case cash – still got it)

£42.65 Petrol (to drive to funeral 250 miles away)

Total £331.04

It’s definitely as bad as I thought. My absolute worse habit at the moment is takeaways. If I’m tired or down I have zero energy to cook so always, and unfortunately more often than not, reach for a takeaway. I’m not going to be to hard on myself after what our family has just been through, but it is one of the things I’d like to do better on for the rest of this month. I’m not going to say we won’t be having any takeaways because that won’t happen, but I think trying to have just one a week at the most would be a good start.

I’ve nearly paid off my MBNA card now with two lines to go worth a total of £156.74. It doesn’t feel like it’s taken me that long to pay off now looking back when I started it in October. Once this is paid off I will keep it free and available for when my Barclaycard comes off the balance transfer rate at the end of the year so I can transfer the balance across for 0%.

With Barclaycard, I currently have a total of £5299.51 not at 0% and £6151.36 on 0% so when MBNA is paid off I’ll be putting everything I can at this to clear as much as possible off the £5299.51, so when the other amount comes off 0%, I can hopefully transfer the lot onto MBNA for 0% again.

Having a plan for my money now I’m earning more definitely needs to be my main focus now and intend to pick myself up and make it a priority again.

Thank you to my readers that have stuck with me whilst I took a few weeks off from writing. Your messages and support has not gone unnoticed and I am entirely grateful to you all.

H