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    • EscapingTheAlarm
    • By EscapingTheAlarm 3rd Dec 17, 5:31 PM
    • 92Posts
    • 205Thanks
    Spend less now, work less later...
    • #1
    • 3rd Dec 17, 5:31 PM
    Spend less now, work less later... 3rd Dec 17 at 5:31 PM
    Iím starting this diary with two loans to clear (as well as a mammoth mortgage- but Iíll worry about that later!). Iím not a massive spender but Iím not hugely careful either and I could clear my debts much quicker than I will at the moment if I put my mind to it and stopped deciding that my money would be better spent on another meal out...
    I live with my wonderful husband and would love to start a family next year. However, Iím very aware that when I have children, I will want to be at home as much as possible which at the moment would be very difficult as we rely on my full time wages to help service our pretty big outgoings.
    So the plan is to spend less, pay off our debts, and ultimately get to work less when we have a family.
    Wish me luck!
Page 4
    • EscapingTheAlarm
    • By EscapingTheAlarm 10th Jan 18, 4:44 PM
    • 92 Posts
    • 205 Thanks
    Thanks both of you! I!!!8217;m pleased that you agree about the card... it!!!8217;s reassuring to know that I!!!8217;m not the only one to think it!!!8217;s a good idea!
    Chrystal, thanks for telling me I!!!8217;m doing well- it makes me feel even more determined!
    Csarina2, well done for paying off all of your debt! Did you work out how much interest you saved by switching?
    • Regency1
    • By Regency1 17th Jan 18, 2:36 PM
    • 18 Posts
    • 42 Thanks
    Hi ETA,

    I've just read through your diary and you sound really focused and determined to get rid of the debt. I'm glad you feel like your husband is getting to where you are on this as it would be really tough if you were trying your hardest to change the future for you both as a couple if he wasn't at least trying!

    I think that the incentive of having time more time off work if you have a baby is a good one. It's what has really made me think about the amount I'm spending.

    I think our situations are also similar because food is what takes a lot of the money in our household too! My husband is a big guy and always hungry but he likes good food and is a really good cook. There are definite advantages to this as I get lovely meals made for me and I'm a terrible cook, however, he does spend a lot on ingredients that sometimes don't get used up, and I have to do the amazing amounts of washing up that he generates! Still, I wouldn't be without him and you must have got a terrible scare when your husband wasn't well.

    I wish you all the best with paying down the debts - I'm sure with your determination you will get there in no time. I'll subscribe to keep up with your journey!
    • EscapingTheAlarm
    • By EscapingTheAlarm 17th Jan 18, 7:22 PM
    • 92 Posts
    • 205 Thanks
    Thanks Regency! I completely agree that the thought of starting a family as soon as possible is really motivating! I just need to stop myself from spending hours on Pinterest mentally spending money on baby stuff before I!!!8217;ve even got any money put aside for maternity leave!!

    My DH is a brilliant cook too! I justify the food spend at the minute by thinking about how much money we!!!8217;re saving by eating his home cooked food rather than a restaurant!!!8217;s food which I probably wouldn!!!8217;t even prefer!

    My payslip came up online today and all the backdated pay is there! I!!!8217;m so pleased- I just can!!!8217;t wait for Friday now! It will be a tough month for keeping in budget next month as it!!!8217;s a five weeker but I!!!8217;m determined that we!!!8217;ll make it!
    • EscapingTheAlarm
    • By EscapingTheAlarm 19th Jan 18, 5:44 PM
    • 92 Posts
    • 205 Thanks
    Itís pay day!!! Yay! Iíve transferred the money across and am feeling really proud to have reached the £5000 mark! I know itís cheating a bit with the backdated pay but Iím still really happy. My plan now is to start adding £1200 a month to the final settlements fund as my pay will be about £200 more a month from now on.

    I need to make sure that I start saving for the growing list of events weíve got planned for the rest of the year (hen dos, weekends away etc) which I donít want to spoil by worrying about how much theyíre costing me. I canít decide whether to put money away of just sacrifice spending money during the months that they fall in... Iíll have to have a think!

    This weekend will be fairly cheap- Iím seeing two sets of friends on Sunday but they should be at home meet ups which is fine and tomorrow Iím panning on getting out into the garden to start prepping it for the spring. I need (want) to spend some money on the garden this year as I love sitting outside on spring and summer evenings and it will be much cheaper to do it in my own garden than in a pub! I need to try and grow some green fingers...
    • Chrystal
    • By Chrystal 19th Jan 18, 9:11 PM
    • 195 Posts
    • 1,376 Thanks
    Well done on the money ETA Don't agree with you that it's cheating.... you could have spent the extra but you didn't

    Spending money on your garden is well worth it. You get the pleasure of it every day, from watching the first bit of green on the bulbs appear, to the glory that is Summer and Autumn..... much better than sitting in a pub garden occasionally.
    GC. Oct.17 = £261.18/ £300 = + £38.82 NSDs 20/31
    GC. Sept.17 = £354.89/£300 = - £54.39

    • EscapingTheAlarm
    • By EscapingTheAlarm 27th Jan 18, 6:46 PM
    • 92 Posts
    • 205 Thanks
    Thanks Chrystal! I!!!8217;m still feeling really pleased despite already feeling the pinch of a very tight month only a week after payday! We are determined to keep within budget again this month and have been making sure that we are doing lots of free stuff instead of tempting ourselves in spendy places.
    The gardening got rained off last weekend so I!!!8217;ve got my fingers crossed that tomorrow will be dry enough to get out and start making it look a bit more loved! I!!!8217;ve got masses of seeds that I!!!8217;m in charge of growing for work so I!!!8217;m hoping that my boss will let me bring a few plants home if we have any spare! If not, I!!!8217;ll have to have a look for garden centre sales...
    • EscapingTheAlarm
    • By EscapingTheAlarm 4th Feb 18, 5:24 PM
    • 92 Posts
    • 205 Thanks
    This month is sooo tight! DH had to go to London twice this week which has added to the pressure (although it was due to a family emergency so couldn!!!8217;t be helped) and we!!!8217;ve been out for lunch with friends this weekend so I!!!8217;m stressing slightly about how we!!!8217;re going to finish the month with any money left! On the up side, we went for coffee today with some friends and one of them insisted on paying for everyone so we had a slight win there!
    Aside from money, DH has a check up at the hospital this week and they told him that he doesn!!!8217;t need to go back for 6 months! It!!!8217;s such a relief and really reminds me how lucky I am, debt or not! We really want to start trying for a baby soon so we can!!!8217;t afford to take our eyes off the ball and risk not lowering our monthly payments before I go on maternity leave. We had a bit of a pep talk this morning and we!!!8217;re going to do everything we can not to go over this month. Fingers crossed!
    • EscapingTheAlarm
    • By EscapingTheAlarm 25th Feb 18, 10:50 AM
    • 92 Posts
    • 205 Thanks
    So the last few weeks have been very expensive... we!!!8217;ve had to fork out £230 to the vets for one of my dogs, £150 on new front tyres on my car and £220 to fix a smashed wing mirror that no one stopped for... all in all a not too pleasant month when it comes to money!
    I!!!8217;m trying to keep positive because I know that these things will always come up but it always knocks you when you!!!8217;re not expecting it!
    Other than that, the last few weeks have been lovely and DH and I have started our garden project which still has a long way to go but is starting to look better!
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