Really wannabe a debt free wannabe!

Bargainfinder_3

Clothing is clothing even if it's months between - they are still months presents also, £5 is £5, so you'll need to count something.
OK, understand why the entertainment is high, but I know you're working on that:D Sorry missed your earlier comment about your hair, good that Don does her own:)
Keeping a spend diary updated is a nightmare, I couldnt do it either:P ! If a diary wouldn't work for you; perhaps try what we do, every month we withdraw £200 cash and leave it in a box in the lounge. We allow £40 each for our 'own' money to do what we want with and the £120 we shop with. That way, when it's gone it's gone, and if we have to spend on a card, we write it down and put it in the box, so at the end of the month we can see how much we overspent and what junk it was on!! It works for us; but you may have to work out something that works for you x

lincsdan86

Bargainfinder wrote: »

Clothing is clothing even if it's months between - they are still months presents also, £5 is £5, so you'll need to count something.
OK, understand why the entertainment is high, but I know you're working on that:D Sorry missed your earlier comment about your hair, good that Don does her own:)
Keeping a spend diary updated is a nightmare, I couldnt do it either:P ! If a diary wouldn't work for you; perhaps try what we do, every month we withdraw £200 cash and leave it in a box in the lounge. We allow £40 each for our 'own' money to do what we want with and the £120 we shop with. That way, when it's gone it's gone, and if we have to spend on a card, we write it down and put it in the box, so at the end of the month we can see how much we overspent and what junk it was on!! It works for us; but you may have to work out something that works for you x

I have put £10 a month for presents giving us £120 a year for presents for 5 sibs that we buy for so think that covers it...... I think.

I will make a note of the clothing thing and i will add it to the SOA.

I have just applied for a clubcard plus and the plan was to put the food and fuel budget on it and hopefully not go over it! I no tesco isnt the best place to go for value but we do buy the cheap stuff and don doesnt like lidl as we have had a bad experience with some food from there, and we are saving up the vouchers to pay for a hunnymoon of sorts,.

Bargainfinder_3

You sound like your head is totally in the right place and that's a good place to start:) Well done you x

lincsdan86

Finally going to do it, going to start a spend diary using the excel thing on my phone which means that i should have it with me all the time and shud be able to keep it up to date as well. wish me luck :-)