Keeping Positive's - Into the new years diary

shaun40400

Very hard work but they are sweet when they are young.

especially when sleeping :rotfl::rotfl::rotfl::rotfl:

Keeping_Positive

Bad news I have somehow screwed up on the budget. How I dont know :mad: :mad: :mad:. I am good with figures so why do I always screw up . If I clear the tesco cc this month and stick to budget Ill be almost £600 short.

Need to do a new spreadsheet and give up the card for cash or make instant payments the moment I charge something

shaun40400

happens to us all kp
did it myself last month for got i had the ins on the card and forgot to clear it..
some companies are a bit slow putting in their bills....
luck ally im clear on the card so no charges but will pay interest if it happens this month.........Note to SELF and others..........................
1st rule ,,,,,if you use the card,,,,,as soon as your home go on line and pay it off !!!

€600 short you must have missed something major off the list ,,,,or is it an annual bill you missed????

Keeping_Positive

I think its a build up of overspends each month by a couple of hundred and an error in my spreadsheet last month so I didnt pick it up sooner. I could so back and see where if I go through statements which I might do at some point. Itll only confirm what I dont have so Ill concentrate on a new cash/instant payment plan for now. Going to look to see if I can find the excel spreadsheet on here somewhere. Home comp doesnt have excel but the laptop does.

In_Search_Of_Me

May be worth identifying where you went wron to see if you can avoid it in future but can understand how you may not have the energy! Hope work improved...awful going back when youve been off...I always have trouble sleeping the day before I go back as brain starts ith "need to do's"...Hope you have a restful w/e planned...havent left the house oday...bliss!

boredofbeingathome

Keeping_Positive wrote: »

Bad news I have somehow screwed up on the budget. How I dont know :mad: :mad: :mad:. I am good with figures so why do I always screw up . If I clear the tesco cc this month and stick to budget Ill be almost £600 short.

Need to do a new spreadsheet and give up the card for cash or make instant payments the moment I charge something

At least you can pinpoint it KP, i have to constantly re jig mine and after today i feel like giving up completely:oBut will persevere, i have just looked at snowball and will follow it religiously now i have full figures.

Anyone fancy a holiday at our back gate?..It will be all we can afford for the next three years.:o:rotfl:

shaun40400

what about
my parents always said we were going too

window view,,,,,,,,, thats nice any time of the year..or
our gate

mogchops

I have only been doing the DFW thing for a couple of months, & I havent got the budget thing right yet.....is definitely work in progress! It looks great on paper, then something goes wrong somewhere along the line and it all goes belly up!

Dont worry KP, I'm sure you will sort it out xx

Keeping_Positive

Well after a carp day yesterday and feeling very low I have made an effort today to be a bit more positive.

1) put some stuff away in the bathroom
2)bribe kids to do chores including cleaning bathroom so some areas of the house look a bit better
3)spent time with OH watching and talking
4) Got a surprise invite to Sis's for dinner so very MSE although I did giver here some BS stuff for free. Had lots of fun with littles ones a handful but very cute.
5)Finally was brave enough to redo budget and spreadsheet. Results much better than first thought although will be a tight month and if we can stick to budget should only be £100 o/d by june payday.

boredofbeingathome

There you go then, never as bad as you think and you will have to think of some cunning bribes for the children. I found pocket money a waste of time so i thought of things like

3 lots of washing up = Lucky bag ( Claires ones in my daughter's case)

Hoovering= 1 credit towards a DVD, so they work out the cost of DVD and how many times they had to hoover to get it.

It worked better than pocket money and if you are really canny you can use the points on a variety of surveys, Tesco's etc and gain that way..everyone will be a happy chappy.