New Year, New Diary

NSD today! I should feel happier about this, but work has put me in a bad mood. I hate letting something that happened at work ruin my evening, but it really has today.

Doesn't help that I have seem to have had an ongoing cold since the beginning of autumn and my entire body just aches.

I am going to try and clean my anger away tackling the kitchen and living room and then going to have an early night tonight, and hopefully will wake up in a better mood tomorrow.

I might treat myself to a fizzy drink tomorrow morning, which will cost about £1 but we will see. I want to, and I have the money available in my treats budget (yes, I am counting a sugary drink as a treat) but I also want to spend as little as possible over the next week and a half so I have more excess to throw at debts/savings. Such a dilemma.

Another week almost done! Unfortunately, it didn't turn out to be the MSE week I had hoped for, but I have enjoyed it.

I met up with friends for dinner earlier in the week, which was lovely and I need to do it more often. I have a habit of turning into a real hermit and just lock myself away at home which I need to stop doing.

Me and hubby also had a bit of a 'date night' last night with a chinese takeaway.

I do still have £75 in my budget to last until Friday though, which is good news. I have paid £50 into savings, and another £20 to debts this week so my savings accounts are looking much healthier and I've made a bit of a head start on next month's debt busting too. I'm still hoping to have a bit more money to throw at something come Friday, but we will see! Even if it is just £20 I will be happy!

I have made an error. After food shop and filling up with petrol today, I thought I had £34 left to last until Friday, with £6 change in my purse.

I then checked my MBNA account, and realised my direct debit comes out on Wednesday. That is £25. It is ok, and I have the money there to cover it, just annoying as I thought I was going to be entering next month with £30 in my bank account, but I'm not. I will have £9.

So now comes my internal dilemma. Do I pay the £25 out of this month's money, or do I replace the money when I get paid and send it to savings? If I pay it from this month's money, it will up this month's payment to £75, and I have budgeted for £75 to pay from next month so I guess it would be just starting a month early. BUT I am also saving to get my car fixed (damage from an accident, but still able to drive it) which will cost around £400. That £30 would up my pot for this to almost £100, bringing me almost 1/4 of the way there.

In my head, this direct debit didn't come out until the 31st, so I was counting it as next month's payment anyway but now I am just confused (and kinda annoyed too that I didn't check this earlier).

ALSO if I pay it from this month's money, am I going to remember this late-in-the-month direct debit next month, or am I going to end up in the same situation with £30 to my name and £25 of it being taken 2 days before pay day?

Sorry for the ramble... I just can't get my head around what to do!