$639- this was expected about 10 months ago and then forgotten about on my end. Last January, Hubs went to training for 3 months. This was the reimbursement he was supposed to receive in February. For a million reasons, it didn’t come through until today.
ALWAYS follow up at work with your finance office or secretaries for a reimbursement timeline. You must advocate for yourself if you are not paid back in a timely manner. 🤔Now, what to do with this money. . . I’ve been working the numbers and looking at some expenses that are on our next two paycheck budgets. Instead of pulling money out of our emergency fund to cover a pump fix last month, I’ll pay the bill with this. Anything left over will help offset the amount I have to pull out of our sinking fund for boat storage.
In a round about way, it’s going to debt. It’s limiting the amount I have to transfer between sinking funds and our checking account to pay the CC. We use CCs, but pay them off every month (we like the points). I don’t like to pull anything out of our emergency fund if I don’t have to. If I can cash flow it, it’s even better!
What do you do with extra income? Is it a no brained to snowball or invest it or does it depend on life?
Tell me more!
So many people are posting photos of themselves in their feeds, so I thought I’d jump on that wagon!
For those of you who don’t know who I am, I’m Claire. I live in Cornwall with my Fiancé Tom, my 2 teenagers, 2 cavaliers and my old cat.
I blog and make videos about money and lifestyle and my YouTube channel is linked in my bio.
I love traditional values, homemaking, budgeting and finding ways to save money around the home.
If you’d like a follow, let me know a bit about yourself in the comments below!
1 06 minutes ago
Gooooood Morning Winners!!! IT’S A NEW DAY!!!!! Whoohoo! Yesss, Filter And All Hunty!!!! 😂
I Pray Everyone Had a Great Rest! I’m Up after Doing Some Planning and Praying Throughout The Night! Ain’t sleep a wink... 🤦🏽♀️ While I’m Working Through A lot, I Feel Really Good About The Things I Have Planned!
Feeling Confused? Get You a Quiet Spot, a Pen and Some Paper, and Start Writing And Praying!!!! I Hope You All Have An Awesome Day!!! #PrayWorkWait#ANewDay#PlanAndDo#Goals
The focus for this second week of Financial Literacy Month is Setting Financial Goals.
Here are six examples of financial goals that you can consider setting for yourself. .
photo credit @fcac_can
I’m ahead of myself finally and it’s making me feel empowered. No more quitting on myself. I can do this!
I checked my account this morning and I have an extra $150 in my account. I didn’t use all my grocery budget or personal budget money this month.
I decided to make an extra $25 payment today on this bill that I wasn’t planning to pay off until January.
I’ll rebudget today since I get paid tomorrow and make an extra payment this weekend on this card.
I’m buying myself an extra margarita if I can pay off this card by the end of the month.
The look you make when someone that once hated on you, your business, your ideas, and your dreams..is hitting the DM asking for hand outs, Support, Opportunity, and a place to crash when they come visit you... Most People wont truly understand your mission and vision until YOU do what they said is impossible...So keep focused!!! Proving yourself right is worth it...Trust us!!!! Comment '"YES!" if you agree!
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I preface this by saying despite my desire to plan for everything as a type A Virgo, life happens. Yesterday my in-laws lost their 7 year old Lhasa Apso. She died from a heart attack while on their morning walk. To say my father in law is devastated is an understatement. My husband and I talked last night and we are very much aware that he needs a dog in his life for his own well being. That said, we also agreed that we would buy one for them. This level of giving is definitely not part of our Christmas budget, but depression in the elderly is very real.
ADVICE PLEASE! I have been looking at #sidehustles that I could do from the comfort of my home during the summer ( I’m a School Counselor so I’m off for the summer)! I have read good things about #vipkidteacher but, I want to hear your advice, tips, and any other pertinent information. ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀
Thanks for your help!
3 237 minutes ago
Feeling stressed out, left out, offended, bored, under-appreciated, disrespected, anxious, incompetent, embarrassed, unhappy, happy, excited, proud, ___________ (fill in the blank). All of these feelings and any number of other emotions can lead to emotional eating, emotional spending, and emotional responses that sabotage your goals. 💖
For me it was emotional eating. Since I was 13 years old I gained and lost the same 20-30 pounds. I’m a licensed clinical social worker. I’ve helped others understand the thought, emotion, behavior connection, but I wasn’t applying it to this area of my life. I would just give into my emotions and later experience regret that would only fuel the cycle again. I was stuck. That is until I started doing the thought work to change my behavior, fix my nutrition, and finally maintain my weight loss. 💖
Just like a healthy lifestyle, a changed mindset isn’t a destination. It takes effort, that gets easier over time, but continues daily to be effective. Now when I experience my trigger emotions I view them as opportunities to practice. I don’t always get it right, but life is about PROGRESS, not perfection. 💖
If you can relate and need help turning emotions into opportunities for growth I’d love to help you. Comment if you can relate & message me to learn more about thought work and the nutrition mindset program that ended my unhealthy cycle. 💖 💖 💖
Those who consistently succeed are those who are best at learning new skills. Learning a new business skill is an excellent way to make yourself more attractive to employers or earn more money. Many are just a skillset away from great wealth, but they simply don't know.
Successful people don't just fall into riches. They have learnt specific skillsets along their life journey that have positioned them above the mere average. You too can significantly increase your value and net-worth by cultivating a habit of continuous learning and acquisition of new skills. The more you learn, the more you realise how much you don’t know. .
What have you done this year to upgrade yourself? In other words, what have you done to improve your skills and abilities? “The best investment you can make is in yourself. The more you learn, the more you earn” - Warren Buffett
I’m curious how you guys feel about not knowing the person behind these accounts. Meaning those of us that use Bitmojis or other things to show who we truly are?
Or what do you look for when you decide to follow someone? What type of post keeps you accountable?
Like I said I’m a previous post I’m to stay more accountable so for the past few days I’ve been trying to surround myself with anything and everything that will keep me focused.
I love planners, being organized, finding deals, meal planning ideas ...ect
what about you guys? Btw, I’m a very curious person and I like asking questions. (If you haven’t notice)
Another one bites the dust! This business loan made me particularly angry because of how stupid I was when I got it.
I got it in total panic mode—my business needed capital fast to adjust some infrastructure issues that were going to put us under. But I let that panic get the best of me, and I went with whatever company would get me the money the quickest. Which was this place. Their loans are 0% interest which sounds great until you realize they have a monthly fee of $150! I was basically paying the same as 30% interest. 😩😳🤯😤 I refused to pay another $150 fee, so I scraped together ever extra penny from my business revenue this month to get this baby GONE. 🥳 Now off to close the account (and work on forgiving myself).
FREE HASHBROWN! 😁 Thanks HJ's. I hate spending money on take aways, so I take advantage of the shake and win whenever I can. The free ones don't come up as often as the deals do, so happy about this one 😊😆
I’m currently reading Mindful Money by Canna Campbell. 📚 Technically I’m listening to the audiobook as that’s how I make the best use of my commuting time to and from work.
Although I’m only five chapters in, I’ve already learned many tips to keeping myself on this financial track I have started down and how to start changing my mindset when it comes to money (this is something I definitely need to work on more). So far, I’m impressed with the information in the book as it isn’t too complicated to follow.
I love a good self-help book and am looking forward to reading more of this one. Watch this space for a better review on my blog when I’m done.
Have you read this book? Let me know your thoughts on it! 👇🏻
2 51 hour ago
Wyprzedaż w listopadzie zacznij od swoich rzeczy📦 👉Poszukaj czy w szafie nie masz UBRAŃ, w których już drugi rok nie chodzisz, a one nadal tam są i to w bardzo dobrym stanie 👚👕👖👔👗 👉Pozbądź się wszystkich ZASIÓW, kupionych, bo kiedyś się przyda i te kiedyś do dziś nie nadeszło... 👉Sprzedaj też rzeczy, które kupione pod wpływem chwili wypełniają twoją przestrzeń, ale ich nie używasz 🎒👓👜🏹🎧🛴🚲📷 Od razu przybędzie Ci miejsca do życia i gotówki💶 w portfelu👛
Well after last weeks mess up .. I had to really pull back with the help of a couple no spend days. .
Guys no spend days are not easy but they're certainly worth it. .
Anyway I'm not quiet on track but my Debt is going in the right direction whoop whoop!!!
3 171 hour ago
Third and final focus group at @melbournemuseum giving feedback on an upcoming exhibition - most focus groups I’ve done in the past have been about retail products so this has been a really interesting insight into what goes into planning a museum exhibition (spoilers: a lot of time and effort). $100 and nice sandwiches for 2hrs of my Thursday evening!
2 91 hour ago
More top offers for you this week, including:
- Theatre Tokens: 10% off
- Asda: Up to 15% bonus on your spending
- Habitat: 25% off everything
- Honest Brew: Free £10 to spend on craft beer
- Currys: Early Black Friday offers inc KitchenAid
- Sainsbury's: Nectar Double Up offer now live
I. AM. DEBT. FREE.
No more student loans. No car payment. No credit card. No more payments! Graduated college in May 2018 and needed to get the weight off my shoulders so I went a little crazy..... I even lived in an RV for 6 months. Baby Step 2 is complete. Thank you encouraged me! #debtfreescream#debtfreecommunity#money#personalfinance#nopayments
0 21 hour ago
Hey guys, I've got some new posts up on my blog (link in bio) including a massive guide of where to recycle/donate/repurpose every item I could think of ♻️ My blog isn't only about finances, I'm also trying to become more sustainable in my general life.💻 I have also have posted October's financial report so if you want the Nitty gritty on what I spent, saved, invested etc go have a read of that 💬As always if there's something you'd like to see let me know below.
It’s payday here !!!!
Just hubby’s parking. He did a volunteer teaching day at his old uni so he had to pay for parking. It also means we will be paid slightly less next week as he will only work 4 days this week not 5 (but networking is worth it to hopefully land a job as a teacher in the new year).
Today’s Side Hustles-
Hubby did gardening after volunteering and he was owed a previous day so he was paid $200. I also managed to make $50 on eBay after postage, fees etc.
I’m now feeling 100% confident that we will be able to not only survive but thrive from here on in on hubby’s casual pay and side hustles. This means that once I start getting paid on the 28th we will be able to invest or save my entire pay cheque!!!! (Something we haven’t done for 5 years due to hubby’s cancer, his inability to work in his field and need to retrain/study for 4 years). Living off the lower income and saving the higher income for many years enabled us to pay off our last mortgage and buy our now dream home (we are so excited to start doing this).
0 41 hour ago
Pretty Crazy to think this time last week my hands were reacting to the antibiotics and swelled up and became sooo sore I couldn’t move them. Now Today I painted my nails ... Sooo happy to have my normal hands back.
A Trust Deed is a voluntary agreement between you, your creditors and your appointed Trustee (an Insolvency Practitioner) to repay part, or all, of what you owe to your creditors. It involves a degree of debt forgiveness, i.e your creditors writing off some of what you owe them.
How could this help you?
•All interest and charges on the debts are frozen on the date the Trust Deed is signed.
•Once the Trust Deed has been given protected status, no further action can be taken against you by your creditors.
•After paying the Trust Deed for the defined term, any remaining debts are written off.
I choose used clothes except undergarments because while you know. I love shopping thrift stores and sharing about my awesome finds. My best score was an Aldo purse normally they sell for 50 and up at a goodwill store near where medical students live I found in Ann Arbor Mi a fantastic Goodwill. Brand name clothes you always see my kido in is high end thrift store from a place in Allegan. It better for the budget and environment win win.
What your best thrift store find? Comment below let me know #debtfreecommunity#frugal
0 32 hours ago
We understand the crippling anxiety and stress that comes from "black marks," as a result of bad debt. At ChapterTwo we protect your credit rating. Because the debt is settled on mutually beneficial terms, we ensure there are no defaults on your file. #ChapterTwo
1 52 hours ago
Slow cooker time!
We definitely use our slow cooker a lot more once the weather gets colder. There's nothing better than arriving home at the end of the day, walking into the house and the smell of the food cooking.
Today I'm making a chicken casserole. I'm actually cheating a bit by using the @schwartz.uk chicken casserole mix rather than making my own, but they're currently on offer in @tescofood (4 for £2). It doesn't mention slow cooker on the sachet, but I've used it quite a few times and it always turns out well!
All I do is throw in the chicken (some people prefer to seal the chicken first, I don't bother) and then any veg I can find in the house!
I think I'll serve this tonight with some crusty bread. A perfect dinner for a cold day (especially straight after C's rugby training).
What are your favourite slow cooker meals?
2 82 hours ago
OMG I would be so rich 😩😩😩
If anyone is hiring, I’m your girl 🤓
Big things happening with me of late! Earlier this week I quit my full time job. I had been thinking about it for some time and this week I finally called it. I was becoming increasingly stressed and overwhelmed with the travel, time away, role changes, weekend work and constant pressure to perform in a tough retail climate. It started to affect my mental health more and more and I knew I had to call it before it became worse. I feel a lot better now that I have given notice, but Im still feeling pretty exhausted and burnt out and it will take some time for me to get back on track. It was agreed I would work until Dec 20th which I'm happy with, it will give me a chance to say goodbye to all my clients and colleagues in the industry!
I don't have a job lined up and I'm not really looking at the moment either. I really just want to take a few months off to get back on track- catch up with friends, get back into training and racing, work on my health, binge watch TV, declutter and just chill out.
Financially, I am in a position where I don't need to return to work anytime soon which I'm proud of. I've got nearly six figures in passive income and an emergency fund ready to go. I want to return to work in the near future, but I'm not sure in what role or industry at this stage. In my time off I plan to get a big bit of butchers paper and start brainstorming ideas on what I might like to do and what makes me happy! My dad has just retired and my brother is looking at his options at the moment so we are jokingly but semi seriously looking at what we can do if we put our minds together.
So that's that, in a few weeks time I'll be unemployed or funemployed for the first time in 15 years or so! Scary and exciting all at the same time eeeek.
32 1512 hours ago
We effectively cut Hulu and Amazon Prime. We lowered Netflix to $5/month - cell phone bill with TMobile add on (SD is free but once you go HD, SD looks like I need my glasses on) and Hubs has ESPN+ $5.99/month. No cable.
I am very tempted to join Disney+ with Hulu and ESPN+ - at least during the winter since the days are short and cold (we hibernate). Swipe right for my partner’s response when I expressed interest. 😂 He’s been about the Disney+ since they announced it.
Lifestyle creep - I see you! 👀 Once you automate a payment and it’s part of your life, it’s hard to change. I’m trying to automate investing and saving and I’m trying to watch less tv. It’s not easy! #debtfree#debtfreecommunity#dfc#personalfinance#frugalfamily#frugal#debtfreeliving
Rock on One Side, Hard Place on the Other!
Pardon the extended hiatus. It has been a wild and crazy time. I've been feeling stuck as of late... between a draining work environment, a career path potentially outgrown, and dreams unfulfilled. All of which I am working tediously to change, or make happen. Luckily, determination still outweighs defeat. ✊🏾
Trust me, I feel guilty. But at the same time, I need the space. Yes, I want to be the most reliable, helpful, friend. Yes, I want to be an obedient, dutiful daughter. Yes, I want to support & help my partner.
But sometimes I struggle with just being alive. And getting up and out of bed.
Sometimes you have to take time to face your own inner demons. .
When I say do you. I don’t mean become irresponsible. Rob a bank. Be an asshole. Get into further debt. And I don’t think the “self care” posts are meant to be taken that way either. It’s not a license to do whatever the fuck you want. Remember, you may or may not be the intended audience. Not everything is for you.
Some of us need to work on creating healthy boundaries. And need reminders that it is okay to take time for yourself. It is okay to say no. .
Not all of us need these reminders. If you don’t, kindly move on. Not everything requires your input/reaction. But for those that do... those posts are for you. .
My posts come from my place. Where I’m at. Struggling with depression. Anxiety. Suicidal thoughts. And striving towards mental health.
I've read "You Are a Badass: How to Stop Doubting Your Greatness and Start Living an Awesome Life" by Jen Sincero a few times, and this is always one of the lines from her book that hits me the hardest. Making a big change in your life is hard - it's much easier to come up with an excuse as to why it's ok to keep living the way you are. But you're worth the work! The life you want to live is worth the work. So what are you waiting for? Forget the excuses and the little voice in your head that says "I can't"! Take the first step towards changing your life for the better! 💪🏻
It's crazy how much you can change in one year if you just put the work in and become intentional with your goals. You got this! Stop letting fear and doubt get in your way. Be so busy improving yourself that you have no time for hate, regret, or fear. Invest in yourself; emotionally, physically, financially!