Brogden's Debt Disaster & Self Managed DMP!

Aloofdragon wrote: »

I lol'd most of the way through that ... FAB that you can see the envelopes working for you, told you so about the utube vids !! and:rotfl::rotfl::rotfl: at the Mrs and kids making cruel jibes as you fish your last pennies out, wonder if they would snigger if it was for something for them ?? ..

Your doing fab I am going to start this 1st Nov too and got myself a jar for my leftover funds but I am going to use the left overs for something I don't know what yet but will think.

Enjoy your weekend xx

Thanks Aloof

The envelopes WILL work !! Make sure the jar is something soft and quiet - I've just hijacked a Walkers Favourite's cardboard tub which DD2 brought in after consuming the contents. That's much better........shhhhhhh !!!!

Having said everything about the envelopes I've blown the budget today £5.00 over.....!

Tomorrow's another day and I'll get it back to keep on track :rotfl:

Brogden x

PennySaving wrote: »

Morning Brogden,

Glad the envelope system is in action for you - local shops are always a killer on the budget front for me too! I may just nip in for drinks cartons or bread and exit £30 lighter!

I feel your pain on the ciggies front too, my DH smokes and when we were in the depths of debtbusting I prompted him to smoke rollies as his friend had a huge stock of tobacco in his garage from Belgium. He offered 3 months worth to DH at a time for a good rock bottom price. This worked well for a couple of years but the hugely expensive Bertie & Harris seemed to have re-appeared.....perhaps its about time I said something again

Enjoy Sunday and I hope you are able to re-gain £5 in todays budget.

Thanks PennySaving

I smoked for years and I smoked rollies and yes.....I really liked them! The only way I stopped was by using one of these new electric cigarettes. I have had the odd ciggie I admit but Bertie & Harris are what....£7.00 for twenty? Some people say this and that about e-ciggies but they can take a run and jump :mad: My habit averages out at around £5.00 a week. A 20 a day smoker pays what....£50.00 a week. I also know they may not be risk free but there cannot be anything like the health risk of smoking 'treated' tobacco

Do you have a diary on here PS?

Brogden x

in_need_of_direction wrote: »

Hi broaden, I followed you from another diary and have read from the start. While I don't use the envelope system, I do withdraw a set amount at the start of each week. I've had more left doing this than by any other method. It seems I can appreciate the value of real cash more than I can debit or credit card spend.

Hi INOD!

'Hi Broaden.....?' Broaden? I hope you're not referring to my girth !!.......that's a bit personal seeing as we have only just met !! My belt has been a bit tight the last few months but nobody ever notices because I'm so tall! Its the way you feel though and I could do with losing a few pounds I suppose.......:(

INOD / HB & Granny.......you are all budgeting in the same way as far as I can see. Using the envelopes I am 'micro-managing' and yes, it is a bit childish but the spending has finished today and I have undone yesterday's 'budgetary overshoot' by a compensating 'budgetary undershoot' :T Three days into envelope budgeting and at the moment I feel like the cat that's got the cream.........meeeaaaaow

It is for me a massive relief to have my spending plan laid out in a pile of envelopes and to avoid palpitations at the cash machine. You are all mature, sensible people and I pretty much am but we all have our own 'achilles heel' and mine was flying financially blind and not wanting a glimpse of my bank balance to ruin my mood - its no good and if a childish idea like this helps me then I'm there like the rat up the proverbial drainpipe!

Getting the ironing done now and listening to Tchaikovsly's Symphony No 6 'Pathetique.' That's pathetic as in 'sad' not pathetic as in 'pathetic......Ha!' :rotfl::rotfl:

I'm then going to go through my spreadsheets, work out the new Brogden liability figure and update my signature with the 'pathetique' improvement. :rotfl:

Brogden.