Laura's K.I.S.S DFW diary

laura2481

**whispers** eat the apple, eat the apple

Well, I tried to overide the evil voice!

laura2481

End of month(ish) Review

Have I managed to stick to my plan?

1. Keep a track of all my incomings and outgoings
   Spreadsheet kept updated and also writing things down on a 'financial' sheet in my filofax as I do things so I don't forget things like getting £10 cash out.
2. Make at least one overpayment to a debt per month
   Overpayed my loan- clearing it off and saving £11 (whoo hoo!) in interest. Also overpayed my Halifax credit card.
3. Always think 'do I NEED this, or WANT this?' before I buy anything.
   Have not been as 'good' this month as previously. I will have to start leaving my bank cards at home again, after withdrawing my weekly cash budget. Especially as I am aiming for that elusive 'not going into my overdraft at all' this month
4. Always look for a cheaper option.
   Definitely doing this! Starting to do BF's head in at the supermarket as everytime I go off to find something I spend ages looking at all the special offers and deceiding what's the cheapest way to get what we want! It took me 10 minutes last week to deceide what eggs to buy because there were so many offers on I had to weigh up all the options (6 organic free range worked out best in case you are interested:rotfl: )

So quite a successful month. I didn't go crazy with spending this month but it could have been tighter. Going to revert back to what I did the first couple of months which was taking out cash and leaving the cards at home so I'm not tempted my wasteful spending, and really have to think through what I'm buying and do I really want it.
I think I may also join the March NSD challenge, 15 again me thinks.

laura2481

IT'S PAY DAY!!

[Deleted User]

laura2481 wrote: »

**whispers** eat the apple, eat the apple

Well, I tried to overide the evil voice!

I am ashamed to say that the apple is still on my desk (since Monday), and I am about to go and buy more choklit. Well done you, it's not my Payday but it is FRIDAY....:j

laura2481

I've woke up feeling carp ,like I have a cold and have got a rubbish headache AND conjunctivitus. Today SUCKS.

mooomin

Feel better soon petal

laura2481

Feel better today, obviously it was a random one day cold

Almost managed a NSD day today, we have deceided to have a takeaway for tea at the last minute. Still, it is a money saving takeaway. £12 meal deal=

2xcurries (quite a good choice. I like lamb rogan josh, OH likes chicken dishes)
rice
naan bread
popadoms + spicy yoghurt dip
salad
chips
onion bhajis
2x cans of pepsi.

Not a bad deal really.

Still, might manage my first NSD tomorrow! And as of tomorrow will have paid another £40 back to OH so will be -£790! Inching my way to -£1000. Have deceided that to celebrate that milestone I will buy myself another bead for my Pandora bracelet (the only thing of value I own) so that it will remind me of my achievement.


This is the bead I want- rosebud charm. it is only £20 so not a massive splurge

laura2481

Actually managed to have NSD day yesterday after all! OH paid for takeaway. I'm quite sure he'll ask for the money at some point but for now... takeaway enjoyed and not a penny spent
And after payment to OH went out today debt now stands at £6024, so within next 2 weeks should be less than £6000! :j

Aiming for NSD no2 today!

[Deleted User]

Well done on your latest milestone - glad to hear you're feeling better.

schrojen

Wow Ive just been reading your diary and I think your plan is really good.Amd well done, you have paid back lots!!