Niel is figuring out if he likes what he's doing.
Now that I have a bank account, I suppose I will have to start putting some money in it. Time to figure out if I should start with a lump sum, or with monthly payments, or what. What makes it difficult is that don’t have a budgeting process.
Sep 26, 12:23PM PDT | 2 cheers | 0 comments
Niel is figuring out if he likes what he's doing.
Today I opened the bank account for my emergency fund.
It has been nice to deal with a new bank, and it’s also good because it is a locally controlled bank.
Sep 19, 03:50AM PDT | 0 comments
Niel is figuring out if he likes what he's doing.
I plan to open a new bank account tomorrow. It’s not something I do often, so it should be interesting.
Sep 18, 01:51PM PDT | 2 cheers | 0 comments
Niel is figuring out if he likes what he's doing.
In doing my research about this I wondered about the kind of account I should have. Should I just keep the money in one of my other accounts and earmark it? Or should I get a new bank account?
In the process I discovered exactly the amount of money I’ve been paying in banking fees, and it’s a scary amount. I believe I will rather get an account at a new bank with lower fees than carry on with a traditional bank.
Sep 13, 10:17AM PDT | 2 cheers | 0 comments
Niel is figuring out if he likes what he's doing.
Earlier this year I had to replace my laptop at short notice. I was lucky enough to have the money, but fairly upset that I had to use it. If I had put away the money beforehand it would not have hurt as much.
Sep 06, 02:11PM PDT | 0 comments
I have a baby emergency fund of 1000 euros now, and I’ve set “save 3 months living expenses” as another goal so it’s a bit redundant. Now I just need to make sure my savings don’t go backwards. I’m doing a lot better now than when I set this goal – that’s for sure.
Jun 02, 03:01AM PDT | 3 cheers | 1 comment
windrow2324 highly recommends Miss Pettigrew Lives for a Day.
I’ve found a bank I like for my emergency fund, and in September, I’ll make my last credit card payment. I’m excited about starting my emergency fund in October!
May 21, 12:16PM PDT | 3 cheers | 1 comment
windrow2324 highly recommends Miss Pettigrew Lives for a Day.
Steps toward having an emergency fund:
1) Pay off one credit card.
2) Use the money allocated to that credit card’s monthly payment to start an emergency fund.
Apr 27, 08:11PM PDT | 1 cheer | 0 comments
I’ve been having trouble getting started on this. I’ve just moved countries and my new pay turned out to be worth less than I expected. I was better off as a PhD student! I only wish I’d saved more then – maybe that’s the richest I’ll ever be? I’m becoming a bit obsessed with my lack of pay.
So the other day I applied for an online savings account with an automatic transfer of 25 euros each month.
It’s not very much. I think I’ll be menopausal before it adds up to a “baby fund”. But I guess it’s better than nothing, and I didn’t want it to be so much that I’d really notice it. I’ll work on adding to it once I’ve figured out how to live within my new income. :)
Feb 27, 01:27AM PST | 0 comments
a big setback
9 months ago
Yesterday my budget was looking pretty good. I’ve stopped eating any food out or take away. I’ve given up buying books, and clothes/shoes, and fruit juice and chocolate… But I had a huge setback this morning.
I’ve been sleeping just on my mattress while I save up to buy a bed. Then it turned out there was mold in the gaps between the floorboards in the bedroom of my new flat. It got onto my mattress. I thought that was okay – the mattress has a cover I can wash. But it took me a while to get around to it (I don’t own a washing machine either…) and today when I took the cover off to wash it, the mold had got through to the foam inside!! Now it’s officially ruined and I’ll need to get a new one when I buy a bed – which I want to do before my boyfriend comes to visit next month. So, I think I might have to give up on the emergency fund for a while.
I feel like I just can’t get ahead.
Jan 25, 04:29AM PST | 0 comments