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  • FIRST POST
    • NeverUnderestimate
    • By NeverUnderestimate 20th Aug 16, 12:17 PM
    • 106Posts
    • 167Thanks
    NeverUnderestimate
    "Start wherever you are and start small"
    • #1
    • 20th Aug 16, 12:17 PM
    "Start wherever you are and start small" 20th Aug 16 at 12:17 PM
    Hello,

    I've previously used these forums before under another username. However after life throwing many funny twists and turns, I've decided to start afresh with a new username as a lot of exciting things will happen over the next few months. This involves a new job opportunity, a special family occasion, a family get together and so on.

    I realise I may not have as much debt as others but a lot of this journey I wish to embark on is about me growing as a person and changing the way I think.

    I already am quite money-savvy in some ways however there is always room for improvement. I find these boards very encouraging and welcome the advice and support.

    The past few years have been an emotional roller-coaster and it's time I close that door. I'm only young and I've lost myself a long the way. I feel as if I've lost my identity in many ways and I'm quite unsure who I am anymore. I wish to rediscover this, how i don't know but I'll learn along the way.

    I have many short term goals and long term goals I'd like to achieve. However sometimes I find my anxiety increases due to this. I get scared that I can't achieve these things.

    My self esteem and confidence have taken a massive battering over the years and I wish to build this up. Once I get to know people, I'm quite a social butterfly and find my place and comfort zone. People often don't seem to understand this and I tend to feel excluded. But that's their problem. My mental health is important to me. I need to learn to love myself (clich!).

    So here we go.

    I currently owe:

    £700 to a credit card (0% until Feb 2018).
    £750 to a family member.
    £1800 for holiday booked (final balance March 1st 2017).

    My income is roughly £1700.

    My outgoings are as follows:

    £585.00 all essential bills, direct debits and food/petrol budgets.
    £200 a month standing order to pay off credit card.
    £200 into a Help to Buy Isa.
    £300 goes towards my other spends which mainly consists of hobby my child undertakes.
    £150 personal spends.

    So total outgoings £1435 leaving me with a surplus of £265 which I tend to try and save. Each bracket varies monthly on what I actually spend. When my credit card is paid I'll have a spare £200 a month.

    My income also fluctuates due to petrol allowances, hours I work or what enhancements I may get. That's a rough expected income each month. Some months it's more.

    This is where it gets difficult.

    However my plan is to use a second bank account which I will transfer over my food budget, petrol budget, personal spends and other spends too. I will then use this debit card solely and the other account will be used to build up the savings as well as the important essentials that shall come out.

    I have three accounts.

    Santander 123- Main bills come out of here and my savings remain in here. However may soon change or swap due to decrease in interest rate. I want this account to remain simple. My wages are paid into this.

    Halifax current account- will use for other expenditure as listed above. I shall transfer the set amount above each month and when it's gone. It's gone. Any left over will be transferred into savings.

    Halifax help to buy- currently stands at £2000. I shall keep saving into this until I feel ready to move out and buy my own home. That's in the distant future as I'd like to build up a decent amount of savings beforehand.

    So that's it really. I shall update a little while later.

    Each day I'll probably find a quote that I like or describes how I'm feeling and post it here. That way I can look back and be reminded, hopefully in the future how far I've come.

    So really the purpose of this diary is to maintain my spending, find a system that works and start to live a less materialistic lifestyle and enjoy each day as it comes.

    And if anyone feels they have anything to add or general conversation. Feel free.
Page 3
    • Stripes The Elephant
    • By Stripes The Elephant 27th Sep 16, 6:51 PM
    • 54 Posts
    • 181 Thanks
    Stripes The Elephant
    Hello NeverUnder ... loving your diary and the quotes ... good luck, now subscribed x
    Barclaycard CC TBC
    Santander CC TBC
    JD Williams TBC
    Evans CC TBC
    • NeverUnderestimate
    • By NeverUnderestimate 28th Sep 16, 1:16 PM
    • 106 Posts
    • 167 Thanks
    NeverUnderestimate
    Work have really messed up my wages this month. How they have managed this I do not know. I'm down about £400.

    This will make things a really tight squeeze this month. I'm not a happy person at all.

    I guess it's time to rejig the budget.
    • Lauralozzle
    • By Lauralozzle 28th Sep 16, 6:04 PM
    • 131 Posts
    • 908 Thanks
    Lauralozzle
    Oh no!!!! I hope your work can get this sorted for you - will you have to wait until next month for them to fix it???
    October grocery challenge £115.50/£250 | Emergency £1,000 challenge - £399.44/£1,000 | NSD 5/15
    Credit Card: £209 (0% APR) | Car Finance: £10,674 (7.9% APR) | Mortgage: £113,243 (3.99% APR)
    Wedding Fund: £1,457.04
    • NeverUnderestimate
    • By NeverUnderestimate 1st Oct 16, 1:16 PM
    • 106 Posts
    • 167 Thanks
    NeverUnderestimate
    So I have been away for a few days trying to get my head clear, especially after feeling so unwell. This past week has knocked me for six and I did not realize the true extent- I'm still quite unsure why I feel the way I do but I am trying not to focus on that at the moment and look towards the future.

    In the past week I have lost 4lb ,so I must be doing something right. Last night I had a cheat night and we made homemade pizzas from Jamie Oliver;s cookbook- they were gorgeous and I would definitely recommend trying them, you can get the recipe online. I am back on track with my diet now though.

    Tonight we are going to watch my son in his first show, he is so excited and cannot wait. So we have had a lazy day this morning so he is not wiped out by this afternoon. We have to be there from 4.30 and will probably not leave until 9pm until all is finished- so we will take a pack up tea for him to have so we don't spend a fortune on food there, as tempting as it is.

    I have just spent the morning sorting out the 5KY bill for my mum, she is adamant she wants to keep it all- I have received 60% off, £50 credit, 12 months half price multi room and on a rolling contract rather than a 12 monthly- I'm quite impressed I managed to do this. I had to be persistent and it paid off. A few people would not maneuver on deals however after two/three times one fellow helped as much as he could! So a MSE saving there, even if it isn't for me. I shall also be doing her building and content insurance at a later date as her renewal came through and they want £700+ for the year .

    I think I am going to join some of the DFW challenges this month to challenge/ keep myself on the straight and narrow. Christmas is looming upon us, however I don't expect to go OTT like I may have done previous years. I'm working Christmas day this year and plus my son will be going to his Dad's christmas eve/morning and will come back to me around 2pm. I am just looking forward to being with family and all of us being together- we have all different paths in life and live far away from one another.

    All my direct debits should come out on Monday apart from my loan payment which is on the 6th October. I am working out what extra I can throw at this for the month due to my reduced income. I have only been paid 67% of my wage due to it being an advance payment and apparently it should all alter in next months pay- we can only see ey? It is definitely going to be a tight month for me.

    I have decided not to do any overtime for the foreseeable future until I am healthy myself both physically and mentally. Hopefully if I look after the pennies, the pounds will see to themselves.

    That is all from me I guess for now.





    • NeverUnderestimate
    • By NeverUnderestimate 1st Oct 16, 2:41 PM
    • 106 Posts
    • 167 Thanks
    NeverUnderestimate
    I just wanted to write another quick update. I've brought my mum's TV package (includes everything, sports movies etc)/phone and broadband to a total cost of £53 a month with a credit of £50. This means she will not have a bill next month, less than half amount of bill for December and in January she will start paying £53 a month. Last year I got all this down to £62.50 a month with discounts but prior to that she was paying at least £85 a month for less than what she has now and never renewed or checked her bill. It just goes to show.

    Next on my list is her building and contents insurance, then her gas and electricity providers. She doesn't do it herself as she thinks it's too much hassle. I guess it used to be alot of hassle but these days it's so much easier.

    That's one of my MSE things done for today, even if it does not affect my budget. I've helped someone else in the meantime. As I live at home with my mum I guess every little helps. She helps me in many ways so this is what I'm giving back to her.

    So far for me it's been a NSD and I would like to keep it that way, especially it being a new month.

    I'm off to join in some challenges!!

    Never underestimate the ability of what you can achieve.
    current debt
    £534.00/£12395.87
    since September 2016.
    • NeverUnderestimate
    • By NeverUnderestimate 2nd Oct 16, 1:18 PM
    • 106 Posts
    • 167 Thanks
    NeverUnderestimate
    02/10/2016
    So it's a Sunday afternoon and I have a child free day as he has gone to his grandparents.

    I have been thinking a lot lately and believe my anxiety issues have a big part to play in how I am feeling just lately and how run down/poorly I have been.

    I feel out of control with a lot of things, especially with so many changes within the last month. I am not being compassionate to myself and my mentality believes I should just adapt and crack on with things as if nothing has changed- when this isn't the reality and I need to stop being so hard on myself.

    There are plenty of things I can control which eases my anxiety but some things are just out of my hands and I need to accept this. It is so hard sometimes when you feel like you're fighting constantly and feel there is no light at the end of the tunnel- although this isn't always the case, sometimes there is a small grey cloud looming over which makes me not appreciate the small things that matter.

    I am going to spend the rest of my Sunday sorting through a few things and reorganizing myself and implementing a few things which hopefully will alleviate any anxiety- I am not talking of a quick fix, I mean small baby steps which will be beneficial in the long run.

    I am going to update my budgets, plan ahead for the month, make some goals and join in with some challenges. I am also going to analyse where I can make some improvements in regards to my spends and daily life. I am so used to having a routine and being organised in my own ways- I don't know whether this is a good thing or bad thing as sometimes I can become too stuck in my own routine, any changes either scare me or make me panic.

    So throughout the day, I shall most likely be making several posts which hopefully will keep me accountable and on track.

    -----
    Update on 01/10/2016
    The show last night was fantastic and all kids thoroughly enjoyed it. Yesterday did not end up being a NSD for a couple of reasons. Although I prepared tea for my son to have before his show, I forgot to take something for myself- that and the stress of getting kids ready, I resorted to buying a coffee, chocolate bar and a meal for myself costing £10. Not my wisest move and obviously strayed away from my diet but you live and learn.

    Following that. the children then had photographs taken with one another and by themselves, they were too good to resist so ended up purchasing a few which cost £18.00. My son adores them so I think at some point I will put them all into an album so we can look back on them with fond memories.
    Never underestimate the ability of what you can achieve.
    current debt
    £534.00/£12395.87
    since September 2016.
    • NeverUnderestimate
    • By NeverUnderestimate 2nd Oct 16, 2:04 PM
    • 106 Posts
    • 167 Thanks
    NeverUnderestimate
    October 2016 Budget

    Total income is £1350 this month due to mess up with wages etc.

    Bills
    -Rent: £200.
    -Phone: £41.29 (Usually £25.31 however went over due to purchasing extra data- will not do again and monitor data usage more carefully).
    -Insurance: £6.99. (I've had this for 9 months now, 15 months left on current phone contract, unsure whether to carry on?)
    -Dental: £9.99.
    -Loan: £256.51.

    Savings
    -HTB Isa: £200.

    Budgets
    -Food: £40.
    -Travel: £80.
    -Other: £400. (There is room within this budget to save if needed).

    Total expected/budgeted outgoings for the month: £1251.80

    My income/budget for the month is set aside into a separate account from my main account. There are personal reasons behind this but the idea is that each time a payment comes out, I will transfer the money across (from my budgeted income). I will keep a note of my bank balance at the beginning and end of each month to see if there any any anomalies or differences.

    Also any extra income will be set aside in a separate account until the end of the month is near and I decide what to do with this.

    I will explain my methods and reasoning in another post.
    Never underestimate the ability of what you can achieve.
    current debt
    £534.00/£12395.87
    since September 2016.
    • NeverUnderestimate
    • By NeverUnderestimate 2nd Oct 16, 2:18 PM
    • 106 Posts
    • 167 Thanks
    NeverUnderestimate
    Challenges.

    I've decided to join the following challenges to keep me motivated.

    NST October Finding Your Inner Ferret

    - 15 NSD's.
    - Food budget of £40.
    - Travel budget of £80.
    - Lose 10lb.
    - Exercise 2/3 times a week.
    - Take packed lunches to work every day.
    - Learn to cook two new recipes a week.

    Pay Debt off by Xmas 2016!
    - Pay £1295.00 before 31/12/16. This would reduce my total debt down to £11,000.

    I have only joined two challenges with the MSE boards for now as I do not want to overdo it. However there are a number of things which I am aiming for, for the end of the month. I hope I can achieve them!
    Never underestimate the ability of what you can achieve.
    current debt
    £534.00/£12395.87
    since September 2016.
    • NeverUnderestimate
    • By NeverUnderestimate 3rd Oct 16, 12:25 PM
    • 106 Posts
    • 167 Thanks
    NeverUnderestimate
    It's back to work for me today, I'm trying to keep my spirits up but still feeling quite rough. I'm plodding along now. There's lots of coughs, colds and everything else happening at work at the moment. I can't risk catching something else again.

    I've just come home for my dinner. I'm having a jacket potato with baked beans and probably some fruit to keep me going. Breakfast was a quick grab and go two pieces of fruit.

    Today should be a NSD. I've a lot of catching up to do to be honest but I'm going to take it easy as much as possible. I have about a months worth of petrol allowances to input.

    When I finish work I have an appointment and then I'll go home and have my tea. I might make spaghetti bolognese. I'm not sure yet, will see how I feel.

    I've a lot of fresh veg to use up. I may chop it and freeze and use as and when.

    Most of my bills have come out today so I have moved all money around in my accounts so I have a clearer picture of what's going on.

    I'll update later.
    Never underestimate the ability of what you can achieve.
    current debt
    £534.00/£12395.87
    since September 2016.
    • NeverUnderestimate
    • By NeverUnderestimate 4th Oct 16, 8:36 AM
    • 106 Posts
    • 167 Thanks
    NeverUnderestimate
    03/10/2016

    Yesterday was a successful NSD!

    Work was hectic to say the least. After work I came home and had a lovely homemade vegetable soup which had mint sauce in to flavour and it made a huge difference! I then spent the evening relaxing and had an early night. I clearly need them at the moment. My latest results came back from DRs which show I have an infection at present. Antibiotics have been prescribed so here's to the start of my fourth course!

    04/10/2016

    Today should also be a NSD. Aside from things I've already budgeted for and cannot be helped! I've decided in regards to these, anything not budgeted for will count as a spend. I think this will make me more aware of what I am spending.

    My next direct debit comes out on the 6th for the loan. I hope I can change it to the 1st of each month so everything comes out together. Then for the rest of the month I can overpay where possible.

    The next couple of months will prove hard with budgeting with Christmas coming up. I do not plan to go overboard this year. I hope to do most of my shopping online as I can't face how busy it gets in the town centre.

    I suppose I best go get ready for work!
    Never underestimate the ability of what you can achieve.
    current debt
    £534.00/£12395.87
    since September 2016.
    • NeverUnderestimate
    • By NeverUnderestimate 5th Oct 16, 8:17 AM
    • 106 Posts
    • 167 Thanks
    NeverUnderestimate
    04/10/2016

    Another successful NSD, making that the total of 2 NSD.

    Yesterday ended up being pretty hectic and busy. I did not end up doing half the things I wanted to do.

    I did have my lunch at home, spaghetti on toast. As we were out for the evening I had a quick jacket potato with tuna.

    I quite enjoy quick simple meals like this every so often. I also had plenty of fruit throughout the day so it kept my snacking at bay.

    05/10/2016

    Today I'm hoping for another NSD. There is nothing I currently need or want that warrants a spend. I'm on my best behaviour.

    I'm working until 10pm tonight. My first late shift in a long while and I don't feel ready! I'm quite nervous. Here's to fingers crossed I'll be okay!

    I'm quite annoyed lately. I saw my sons dad last night and he made a comment that as soon as his partner gets a promotion he thinks he can go part time and pay me less maintenance money. I swear he would go part time for that reason. I wouldn't mind but he only pays £135 a month and this hasn't increased in two years. He thinks I'm rolling in money. I told him to try and use that amount and that amount only to look after his own son for a month (with no financial help!). Currently his own parents pay most things for my son. I'm grateful to them, just not to him! I may take some time to accurately write out a list of everything I do for my son and cost it all up. He's an idiot, always been obsessed with money even though he has none and when we were together he was controlling with money and never put his hand in his pocket. I'm glad I got away. I wouldn't mind but his partner is lovely and is great with my son. I get on with her really well. She's a blessing.

    My loan payment comes out tomorrow. I'm glad because then I can make another overpayment!
    Never underestimate the ability of what you can achieve.
    current debt
    £534.00/£12395.87
    since September 2016.
    • NeverUnderestimate
    • By NeverUnderestimate 5th Oct 16, 11:43 AM
    • 106 Posts
    • 167 Thanks
    NeverUnderestimate
    I start work in just over two hours. I've been pondering around the MSE boards this morning. It's not been a massively productive morning ha ha!

    I've had some porridge for breakfast with some raspberries and strawberries which needed using up. I'm not too sure what I'll have for lunch just yet. I'm feeling like I'm in a picky mood today food wise.

    The cold weather seems to be creeping upon us now! I've made sure I'm wrapped up all snuggly in my dressing gown. My feet feel so cold though, although I hate slippers and anything too restrictive on my feet. I can just about manage shoes haha.

    We're away visiting family this weekend. It's been a bit last minute and I guess there will be some additional unnecessary expenses I've not thought about. However family time is precious.
    Never underestimate the ability of what you can achieve.
    current debt
    £534.00/£12395.87
    since September 2016.
    • NeverUnderestimate
    • By NeverUnderestimate 6th Oct 16, 8:12 AM
    • 106 Posts
    • 167 Thanks
    NeverUnderestimate
    5/10/2016

    Another successful NSD bringing my total to 3 NSD so far this month. I finished my night shift exhausted. I did not get home for my break but I refrained from spending too . I did not even have any cake that was offered, which makes a change!

    6/10/2016

    Today should be a LSD. I just have my weekly weigh in after work which is £4.95. I'm hoping for at least another 2lb loss.

    My loan payment has also come out the bank today. However as I went to transfer the money over they've took around £20 less than the original direct debit amount. I'm not quite sure why as the funds are definitely there! I'll contact them later and question why. I don't want it looking bad on my part when I'm already ready to make another overpayment.

    I'll also have breakfast and lunch at home as planned. I'm not sure what yet though. I might just have some nibbles and snacks today rather than large meals.

    Not much else to report for now!
    Never underestimate the ability of what you can achieve.
    current debt
    £534.00/£12395.87
    since September 2016.
    • NeverUnderestimate
    • By NeverUnderestimate 7th Oct 16, 8:06 AM
    • 106 Posts
    • 167 Thanks
    NeverUnderestimate
    6/10/16

    Yesterday ended up being a NSD bringing my total to 4 NSD. I decided that I'm not going back to the groups to be weighed. All I do is get weighed and go home as I don't feel massively comfortable in the therapy type group after being weighed. I basically pay £4.95 to be weighed. After discussing with my mum we've decided we will weigh myself on a Friday morning each week and will put the money I would have spent in a jar. Aside from that whatever I lose weight wise I will put the same into these jars and let it build up and save up for a treat for doing so well. I.e. a haircut etc.

    07/10/16

    So this morning I've weighed myself and I've lost 3 1/2lb. My total weightloss now is 7 1/2lb in two weeks. I'm happy with that. This last week has been a bit tricky as I've had a lot going on but I'm going to keep on track as much as possible.

    After I finish work today, we've my sons extracurricular and then we shall head straight home and get ready to set off this evening to visit family for the weekend.

    I've no planned spends for today but all could change. I'm hoping for it to be a NSD and then whatever we decide tomorrow I won't be thinking too much about it. I have money set aside for these things.

    I'm still unable to make an overpayment to loan as last payment still outstanding. I'm still unsure why it took a lower amount. I'll just add it to the overpayment.

    That's all for now!
    Never underestimate the ability of what you can achieve.
    current debt
    £534.00/£12395.87
    since September 2016.
    • NeverUnderestimate
    • By NeverUnderestimate 9th Oct 16, 1:09 PM
    • 106 Posts
    • 167 Thanks
    NeverUnderestimate
    So no I've not updated this over the past couple of days as I've been away visiting family! I've kept spending to a low even though there were plenty of temptations!

    07/10/16

    Friday finished off a NSD bringing my total now to 5 NSD this month. Straight away after work we set off travelling and by time we got there it was late so we went straight to bed after a cuppa.

    08/10/16

    We went shopping to an outlet place for the day and then to mini golf. I did not buy anything as I don't currently need anything. I was tempted to buy some shoes for work but my current ones have plenty of life left in them yet!

    Though we did have tea out which came to around £20 including drinks. Not too bad I must say.

    Although I've had a poor diet over the past two days. Surprisingly I'm glad to get back to the healthy eating.

    09/10/2016

    We arrived back home lunchtime. I'll be spending the afternoon resting as I'm absolutely exhausted.

    I've finally made an overpayment of £183.10 towards the loan (now it's let me!). That will take around 2/3 days to process so now I'll start again and transfer any spare pennies left over in the bank accounts whenever I check and let it build up to make a further overpayment before the end of the month
    Never underestimate the ability of what you can achieve.
    current debt
    £534.00/£12395.87
    since September 2016.
    • NeverUnderestimate
    • By NeverUnderestimate 10th Oct 16, 8:04 AM
    • 106 Posts
    • 167 Thanks
    NeverUnderestimate
    09/10/2016

    Yesterday was a NSD bringing my total to 6 NSD this month so far. I spent the rest of the afternoon relaxing and did not venture out the house or buy anything online. The overpayment to my loan is in a separate account budgeted for so I do not class that as a spend.

    Then later on in the evening we noticed we had a big leak in the kitchen . We've located the leak and turned off all water for now until someone can come look at it.

    10/10/16

    Today will most likely incur some spends. I have a hospital appointment at 11am during work time and I also have a busy day work wise. I need to also get some petrol and may nip to @ldi for some fruit as we've run very low.

    Fingers crossed for my hospital appointment.
    Never underestimate the ability of what you can achieve.
    current debt
    £534.00/£12395.87
    since September 2016.
    • NeverUnderestimate
    • By NeverUnderestimate 10th Oct 16, 12:49 PM
    • 106 Posts
    • 167 Thanks
    NeverUnderestimate
    I'm having a rubbish day and it's only lunch time!

    I'm feeling pretty stressed with work and alot of other things. This is the only place I can offload really.

    My hospital appointment went okay. I've to go back in two months and then we'll review where to go next, it may be further surgery.

    I just feel pretty low today. My workload is so heavy and I feel like I'm not going to have enough time to do everything.

    I'm hungry but I'm not really in the mood for eating much.

    I just want my bed if I'm honest. I think as soon as I finish work I'm going to head home and coop up in my room.

    Can today be over yet?
    Never underestimate the ability of what you can achieve.
    current debt
    £534.00/£12395.87
    since September 2016.
    • NeverUnderestimate
    • By NeverUnderestimate 11th Oct 16, 8:09 AM
    • 106 Posts
    • 167 Thanks
    NeverUnderestimate
    So I did not sleep well last night. The day went so so.

    I still need to get petrol and whatever else. I also need to pick up my new uniform.

    I have lots to do and I feel like I'm drowning.

    I must get organised. My grey cloud is back for some reason.

    I want it to go away.

    Money wise, everything is going okay. Yesterday was a low spend day. £6 on making my eyebrows return to some decent state and not like caterpillars.

    I probably need to step back and focus on myself.

    I'll update when I feel more human.
    Never underestimate the ability of what you can achieve.
    current debt
    £534.00/£12395.87
    since September 2016.
    • NeverUnderestimate
    • By NeverUnderestimate 12th Oct 16, 8:19 AM
    • 106 Posts
    • 167 Thanks
    NeverUnderestimate
    11/10/2016

    So yesterday I spent £20 on petrol which is my usual weekly petrol budget. No other spends aside from that.

    Work was busy and rather stressful again. I've a few things to catch up on.

    12/10/16

    I'm not working until the afternoon today so I'm debating whether to have a nap or not.

    I'm still not sleeping well. However after today I have two days holiday. Woo!

    There's not much else going on for me at the moment. Life's a bit quiet and dull. I'm not sure whether that's a good or bad thing.
    Never underestimate the ability of what you can achieve.
    current debt
    £534.00/£12395.87
    since September 2016.
    • NeverUnderestimate
    • By NeverUnderestimate 13th Oct 16, 8:22 AM
    • 106 Posts
    • 167 Thanks
    NeverUnderestimate
    Today I've got a bit of a clearer head thank goodness. It's amazing how spending time with some other people can cheer you up.

    I've two days holiday now. I'm going to spend them catching up on things and get myself more organised.

    I'm also going to catch up with a friend who I've not seen properly for a couple of months. We'll most likely have a coffee at their house then go for a walk.

    My debt balance now stands at £11872.99 after paying off £517.19 already. I hope by the end of the month I can pay an additional £72.99 to round it off to £11800.

    Here is my to do list for today.

    - Input milage for the past month.
    - Update my work diary.
    - Organise work diary and notes.
    - Pick up new uniform.
    - Search for building and content insurance quotes for my mum and find a like for like policy.

    I'll keep it short for today.
    Never underestimate the ability of what you can achieve.
    current debt
    £534.00/£12395.87
    since September 2016.
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