Round and round the overdraft....soon to be no more

I'm absolutely shattered after about 4 hours sleep last night! Early night for me I think


I've looked at my finances for July today and I've paid £340 towards my debt. With the rest of my bills coming out I should have about £650 left. This is manegable I think and hopefully I'll be able to pay some of my overdraft off.


Extras this month
100 Euros for my son, he's going to Paris for 4 days with school
40 Euros for us as we (me & my 2 sons are going to Spain) at the end of July. I already have 60 euros and we're going All Inclusive so not a lot of extras to pay for


£45 for my hair colour + cut
£25 for my nails (then am not going again after this)
£20 for 2 presents for 2 ladies that work with me in my classroom - I already have a bottle of wine so just need to add to that - could be £15
£60 for the carpet fitter - fitting bedroom carpet & bathroom vinyl
£20 for paint as painting my sons room whilst he's in Paris


I've got £40 in my paypal account from ebay sales and that may go up as I have other items on there still so that can go towards something, or pay off a debt


I've saved £150 too. Today is NSD 3 and I've only been doing it since the 18th June.


Feeling positive and on track!

Not started the decorating yet, I ripped the bathroom carpet up and now need to buy pain. Painting the bathroom first. My OH is helping me.

Yes I'll be ready for my holiday. I've saved all year for it.

Yesterday was my first NSD, I want to try and get 10 this month.

I'm feeling pretty confident that I may not even dip into my overdraft this month now, the eBay selling and the £100 for switching accounts have really made a difference. Staying in the black is my TOP priority for July and August. Hopefully I should have a buffer by then and can start with the CC.

My son is having his hair cut today so that's £8, plus I know we need milk. 3 litres gone since Saturday! Boys:eek: they are like locusts!!

Have a good Tuesday everyone

Had to spend a bit more today. £4 for a Zumba class and had to draw £50 out as I'm going to London with my OH. We do this quite a lot so I need to budget for this from now on as this is one of the causes of me being overdrawn.

We usually stay in a Travelodge which costs us £60 for one night and have got a 2 together railcard which makes the train cheaper. But it still comes to nearly £100 (£50 between us) then we will eat out and see a show. This weekend (well Frid/Saturday as we're only staying one night) is all paid for but I need to definitely plan this in now.

I'm still in the black so far and the switch to a new account has gone well.