Ups and Downs - I got this!

Posted January 26th, 2025

Since my last post it has been a whirlwind of a time.

So the bad first... today I accidentally topped up my toll account with $1365, not the $13.65 I was trying to. EEK

My phone didn't put in the '.' and it seems my cc company in an effort to 'help me', allowed the transaction to go through despite there not being that much on my card and now I'm -$500 on my cc. I've been on the phone to my CC company who are going to give me temporary funds in 5-7 working days and Link-t will apparently refund my payment if I answer them sometime next week when they call, otherwise they will send a cheque taking 2 weeks to issue and another 3 days to clear once I bank it - what a mess!
Tuesday is payday and thank goodness I also chose to keep a small amount of money not on my cc that I can use till payday should I need anything (about $200 which I use for my emergency fund with my BNPL card).

I've got my aircon repairs being completed on the 6th February, so I'm not sure how I'm going to work things out if my refund or support funds from the cc company hasn't come through, I know I'll figure out a way but it's going to be stressful till I do my sums and make sure I have enough to pay for them.
So lil hiccup (of my own doing - accidentally of course), suddenly allowing them to auto top up $15 doesn't seem like such a bad idea anymore...

In brighter news, I just sent my first invoice to start babysitting greyhounds. At a greyhound walk in my area a gentleman approached us looking for a sitter, they get booked up months in advance. Since offering to sit for his greyhound, I was convinced by others I should do this as a side hustle to help me get out of debt. So, one ABN, business name registration, website, security codey thing (so I don't look dodgy online) and a Facebook page later, I am now a business owner / side hustler. Other sitters have said they will direct people to me if they can't look after them. I still have my full-time job and will need to keep out 30c in the dollar for extra tax (ouch), but every lil bit helps. I sent my first invoice this morning. I've implemented a 25% non-refundable deposit to hold booking dates to make sure people don't book and then cancel at the last minute.

Sadly, my other potential client I was seeing today for a meet and greet broke her foot this morning walking her pup. We've postponed our catch-up and I have offered to help walk her greyhound (not for money, just to help out). I did a similar injury a few years back and she's not far from me. I felt so guilty when my pups weren't getting walked as often as they were used to. I just hope she doesn't think I'm doing it only to get her business. I know I can't really change her perception if she thinks that way. I guess I know deep down my reasons for offering are genuine, just gotta hope that comes through in the end.

So... my balance on my cc before my hiccup with the toll company had me at $700 in credit. This is the most available balance I've had on my card in quite sometime. Whilst when my statement closed I saved about $18 in interest. It might not seem like much but over 12 months - that's over a monthly payment (getting me out of debt even faster).

So I'm not giving up on Velocity banking, just gotta get better at inputting my manual payment amounts - I'm almost at the point I can laugh at myself... so close :0)

So yep - Ups and Downs but despite my error today, I'm going to be ok. I have enough food for the pups as I bought it early and I have plenty of food in the house for myself to get my through till this is all resolved. I even had extra petrol in the garage and put that in, so I have an almost full tank. It seems my 'keep one on hand in case' has really saved me and I'll definitely continue to shop and live this way.

Life threw me a curve ball, I got angry (at myself), I cried and then I sprang into action and threw that darn ball back :)
Not today, I got this!

Now i'm off to watch some more of the grocery challenge videos to get inspired, I have a feeling my reduced grocery budget will be even more 'reduced' till I sort this mess out haha

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