Hello! Newbie!

LittleEmms

Great thank you!! Got to see & visit everyone - which also meant no time to myself.... downside of extended families :rolleyes:...

How was yours (despite the working of course) ??

Money not so great, did put a few xmas pressies on C Card, which means that balance has gone up. Even by buying the basics over christmas I still spent too much (I really need my family to understand... so hard)...

However I haven't majorly fell off the wagon so to speak. Still being as MSE as poss with food shopping, and not spending on things I can't afford. Just need to work out things better for the year ahead!!

Going to join some of the challenges me thinks!! as you definitely are inspiring me... my problem is lack of spare money to throw at debt in the first place!!

Thanks for checking in though! I really appreciate it

determinedtodothis

My holidays were pretty quiet but that made them pretty cheap!

determinedtodothis

Right i've decided to do a different approach to my spend diary for the last couple of weeks i'm going to do it Friday to Thursday as thats more realistic of what days my salary has to cover and i'm going to put my task list in there too, all singing all dancing

Friday
Do my Ironing :eek:
Pay Abbey £250.00 Done
Put £158.60 in the bill account Done
Do Fly lady Done
Do clicks Done


Saturday
Do fly lady
Get Weeks Petrol Done
Go for my first ever run _pale_ Done
Buy the sun Done
Set up all the cash back accounts Done
Do clicks Done
Round friends for Most haunted night - Take Pizza Done


Sunday
Fly Lady
Do Clicks Done
NSD! Done

Monday
Fly LadyDone
Do ClicksDone
Buy the Sun for holiday voucher (last one!) Done

Tuesday
Fly Lady
Do Clicks Done
NSD - failed went dancing £5

Wednesday
Flylady
Earnt 40p on clicks and scratchcards
NSD - failed need to go shopping

Thursday
Write to paragon again if they haven't responded about questions and Baliffs report
Fly Lady
NSD!


WEEKS CHALLENGES:
1) 4 no spend days...well will give it a go! - FAILED!
2) To do my run on saturday and not chicken out DONE!!!
3) (and this is the biggy) According to my spreadsheet i have £43.00 after expenses and the Abbey Payment this week - aim is to pay Abbey at least 50% of that on Thursday night (£21.50) PAID £20 so far

natsplatnat

Hi DTDT!!! I run my weeks Friday to Thursday too (as I get paid on a Friday!) It seems to work ok - well, to be honest there is no other logical way for me to do it!

Good luck on your run!!!! (see, now you can't chicken out!!!)

determinedtodothis

I now its on the forum there for everyone to see i have got to do it - its the law! *LOL*

determinedtodothis

Well I did it! I ran! i couldn't feel my little toes and my hands felt they were on fire when i got back in the warm but i ran! :j i thought I must be mad the lakes were frozen and i had no coat but i'm very proud of myself

I also went to a pole dancing class did it years ago and really enjoyed it and they have started one up locally to me twice a week so it means that i'll be paying £40 a month instead of £35 for the gym which is not MSE but i will be actually going!

I managed 1 NSD over the weekend because I had to buy some proper running trainers and some leggings

LittleEmms

You're doing so well DTDT!! And yay on the run (even though yes I agree you're a little mad

Have a good rest of your day!!

determinedtodothis

Thanks em's will pop by later - i think my biggest acheivement is to have £50 saved in my piggy bank! i've never had savings before, i thought about putting it into the bank but it's too easy to transfer it so there it will stay and i will keep on adding

determinedtodothis

Howdy!

Well was going to try for a NSD today but i need to go shopping :mad: bit annoying but i guess i need to eat! I have however managed to find £20 to pay towards Abbey debt :T and i've got £150 arrived today because of a complaint i made so now trying to decide where to pay this off abbey or across the credit cards?...

LittleEmms

Yes hun, I'm afraid you need to eat!! Me too today - I have to go and get some bread, milk and a few tiny bits.

FAB on your complaint money...what did you decide??

xx