A Ditherer's Diary (again)

Whoknowskt89 wrote: »

You'll get there with it.. Rome wasn't built in a day.
I reccommend having a cuppa and some chocolate!
Bookbub may be worth looking into to help with the kindle costs.

I can do cuppa, I drink decaff so I can have it in the evening and not lie awake all night :rotfl: However, already had a kitkat (Aldi's own) today.

I've not heard of Bookbub so will have a google. To be honest I don't spend much on my kindle. I usually get books when they are 99p. I also write a blog and write reviews in exchange for pre-published books for free. Which reminds me I have one to do and two pending but not read them yet!

I've been onto YNAB and think I have managed to load everyone of our outgoing payments and my minus figure ) bank account. I think I will need to watch a few more tutorials to make sure I am doing it right though. I'm sure I've missed something off but hey ho, it's a work in progress

Naomi

Happy Monday one and all,

So I put all my figures in YNAB but I think I made a horrible mistake and just put in all my bills and everything instead of actually budgeting for what MrM and I actually earn. We're also trying to dig out of the overdraft so I think I need to budget at least a couple of hundred pounds for that every month... It's hard going. I'm going to try and watch another tutorial in a moment.

I did my Aldi shop this weekend and it came to £48. I did pop into Tesco and buy a 2.35kg chicken for £5.50 as this will give us 3 meals for a family of four or 2 meals and sandwiches. I also went into Asda. I took my MiL as she doesn't drive so it's a day out for her! :rotfl: I spent £8 on 24 toilet rolls and £6 on 30x cans of coke. I don't drink it but MrM won't entertain the unbranded stuff so that works out to 20p a can. A great saving.

I've also sorted out MrM's car insurance which was due. Managed to get it down by £60 so I'm happy with that too :money:

This week as usual will be making sure we all have packed lunches. 11yo has no money on his finger so I made him packed lunch today. Going to try and get him into the habit of having it a couple of times a week but if I load his finger he'll just spend what's on there.

I've meal planned for the week but can't tell you what it is as I'm at work typing this in my lunch break and plan is at home. I'll try and update tonight.

Naomi

GeorgianaCavendish wrote: »

Brilliant news on the ebay sales and the shopping savings
I've been doing a little bit on YNAB every day but I do find it confusing - I find myself googling "how do I do XYZ on YNAB" an awful lot!
I found OnTrees was really helpful for my first month of debt-busting because it just tracked and categorised my spending, so I got a proper brutal look at the state of my finances and spending. Then I could use that information make an informed budget for March with YNAB, instead of an optimistic 'best case scenario' budget like I tried to do at first.

Treadingonplaymobil wrote: »

I thoroughly recommend persevering with YNAB even if you're feeling dubious - I reckon it took three full months to really get to grips with it, and we still don't make the most of it, but it's been absolutely life changing.

I definitely think I've been doing it wrong! It's so hard to start when you're already in a negative figure! :mad: It also doesn't help that MrM spent £200 that's not in my budget and I need to find it somehow.

I think I'm going to watch some more tutorials and click the start afresh button.

I'm not at work for the next two days so hopefully I can spend some time getting to grips with it and wrestle the laptop away from MrM and his Football Manager career.

Naomi