These are all split between me and T.Īll other monthly payments: £6.86 SIM contract, £26.90 life and critical illness insurance, £9.58 pet insurance.
MINI DIARY STAMP STICK TV
Utilities: £168 council tax, £13.25 TV licence, £27 water, £125 gas and electric, £29.74 broadband. I also have a pot from a previous job but no idea how that’s doing so when I’m settled in my new job I’m planning to look into whether it’s worth consolidating. Pension? I pay in 8%, which my employer matches. I also have £1,000ish in a Chase account for shorter term stuff like holidays and car or cat expenses. Savings? £10,000 in premium bonds, some of which will go towards the new house. I try to pay a little over the minimum each month and plan to clear it with savings once the 0% period is up. This currently has about £5,000 on it but it’s 0% interest so I use it for big stuff like holidays and annual gym membership. Loan payments: £5 student loan straight from my paycheque. We used to overpay a chunk every month but we’ve paused this for a bit to save as much as we can for stamp duty and other moving costs. Housing costs: £855.37 mortgage, split between me and T. I've recently accepted a new job, starting in the summer, which will be a big challenge but it will also have a fairly significant pay increase." I know logically that we’re not overstretching ourselves so I've just got to trust the process. I get quite anxious about money generally so with upsizing and interest rate rises I’m finding the whole process pretty stressful.
I’m excited to have a bit more space as we bought our current home pre-remote working and now both work from home at least a few days a week. We bought our first home about five years ago and are now in the process of selling and buying again (it’s all been very slow but we’re hopefully moving within the next month).
T and I got married during the pandemic (after a couple of postponements) and have shared expenses ever since but we’re quite relaxed about the way we do it. I currently work for a local university, where I’ve been for the past seven years in various roles. Please note that the pictures in this guide may feature covers and accessories from previous releases.This week: "I’m 29 years old and live in the southeast with my husband (T) and little rescue cat. Keep reading or watch the video below to find out more about this one-of-a-kind planner system. We’re here to break down the contents and explain each page in detail. All Jibun Techo items are only available in Japanese, but we have an English translation guide available. 70pcs Alphabet Stamps Vintage Wooden Rubber Letter Symbol Number Stamp Set for Card Making Happy Planner Scrapbooking Supplies Function: stamp, decorate, learn and teach Advantage: varied stamps, suit size, box package Use:photo album, scrapbook, letter, diary, cards, tags, paper, fabric, wood, etc. Kokuyo also offers starter kits for beginners who are new to the system. The Jibun Techo offers a variety of covers as well as accessories to help you set up your planner. You can fit one, two, or all three of these booklets into a single cover. The Jibun Techo's innovative 3-in-1 system was first developed by advertising creator Hideaki Sakuma and consists of three separate booklets: “Diary” for everyday scheduling, “LIFE” for life events, and “IDEA” for thoughts, memories, and everything else. True to its name, this planner system is customizable to your lifestyle and needs. In Japanese, “jibun” (ジブン) means “myself” and “techo” (手帳) means planner. Rather than being limited to a single calendar year, the Jibun Techo is designed to last your whole life. Kokuyo presents a unique approach to planners with the Jibun Techo.
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