I want to stop drowning

Hi,

Another load out and drying. I have had an expensive 24 hours and have spent over £150 between food shopping and birthday presents:eek:. From now on I am going to cash out money for food and general spending as it's too easy to just put things on the card. I think I will panic more if I see I only have £50 physically in my purse left for the month. I will now have to have another quick look at the finances as really don't want to have to use the savings to top up the monthly budget. But I do need to buy my daughter's main present still and my husband was due extra hours next week which would have been over £100 but they don't need him anymore. I had included this money in our income.

Hope everyone has had a lovely sunny weekend.

The weather has been amazing and three loads this weekend have been washed and dried.

On the money front we have spent some money on meat for a few BBQs. As I mentioned in my previous posts I was feeling very stressed about money but have decided to use the savings to top up our salary as we were very short and things crop up. My daughter now needs new shoes, presents etc. Using this money means I don't have as much in savings for Xmas presents but am hoping my husband's overtime will continue and that my business picks up in September. The fact is there is no point in having savings and then be struggling to buy food. Tomorrow or Tuesday I will cash my food money and spending cash out to monitor my spends. Any spare cash will go in a pot for Xmas presents. I'm hoping I've made the right decision.

Morning,

Another warm day and another load drying outside.

I had another nsd yesterday ( think it's only my 4th this month). Hubby has been paid so have paid all minimums and transferred money for food to cash out. I worked out how much we spent in a month on food/toiletries/eating out etc and am mortified :mad: I actually can't believe it, it's made me def realise that cashing the money out is def the way forward as that way I can monitor exactly what I'm spending! We only have £50 per week for food for a family of 5, so it will be tight as this needs to include everything. I am going to only bring with me the £50 when I go to the shops so I can't be tempted to use some of next week's money!

Have a good day everyone.

Morning,

I had a very busy day yesterday from first thing so didn't have time to post. I spent £6 for a charity event and ordered some new stock. I managed to strip the beds and dry them outside. I am hoping to do a load now and hang it up as we are then on a day trip, we have passes for the trip so am hoping it will be a nsd as we will bring lunch and a flask with us. Bank accounts are looking very low already but that is because I cashed out all the money to allocate to pots. What I have noticed already about cashing the money out is how quick the money goes!I now only have £40 p/w for food and £30 for general spending. This will be tight but will be very pleased if I achieve this. My husband has managed to get extra hours for this Sunday which is good.

I worked out how much money I need this year for Christmas, birthdays, holiday spending and dd school trip spending money and it came out as £1700:eek:. This does worry me as we only have about £520. Not sure where we are going to find nearly £1200 but there is nothing I can do about it apart from try and stick to a tight budget and hope my husband gets overtime and that I make more sales. I will only be able to afford the minimums on the cc unless we get a lot of extra money coming in. They are all on good deal apart from one is ending now and we can't get another deal. This is 10.2% and I still have left on it £1775:cool:

Anyway sorry for rambling, hope everyone has a lovely day.

P.s: Nearly forgot another thing I did on wed eve was claim £150 back from BT with their deal that I did. I should hopefully be getting a £50 chq from them and a £100 preloaded mastercard which can go towards presents.