I had a wobble and I think i need a diary

so_here_we_are

Morning

It be abit grim here, quite wet, and I am need of digging my brollie out so I don't get to soaked on the way to work. Might also dig my boots out so my feet don't get wet.

Well, yesterday I declared I had spend £40 for a week, well I counted up and was surprised and very shock to discover what i had actually spent.
Wait for it i spent in 7 days £70.61 - OMG!!!!:eek:

I could not believe it the £10 a day and on what????? Food actually with a cardigan and a few drinks. That doesn't include a big shop thats just something everysingle day. Thats £280 a month before i even get onto buying stuff i need or any treats. Or meals out.

This has got to stop. I mean theere £2 to top up on milk and bread and then theres what i have done, no wonder i'm in this situation thats a whole load of debt busting and it would make then end of the month soooo much easier if i wasn't spending that kind of money right at the beginning.

I'm glad i have written it all down now will have to keep that up.

Am (unsurprisingly) aiming for a no spend day today along with another Alcohol Free day, have got my lunch ready and I have to rememeber to bring my tea home from work.

Am also going to collect my euros for the weekend. I think if i can get 4 NSDs and AFD in before then i should really be able to enjoy myself....

Well must get myself ready for work......

SHWA

(TRYING TO DO BETTER)

Swinstie73

Don't worry about it SHWA, in the 180 days since I started my spending diary, I have spent approx £19 per day, bearing in mind I have had 39 NSD's this actually works out at £25 per day for the 141 I did spend. The scary thing is I wrote down everything I have bought and nothing scary jumps out, i.e. it's all 'living' expenses (no bills are included). Help!

*Jellie*

I must get back to keeping a spending diary as it really helps keep track of where the money is going.
I've just read through your diary and see you are another splurger- it sounds as if you've done really well improving that this year.

so_here_we_are

Morning All

Jellie you are very right I am a splurger - thats sums it up to a t.

I have been away for the weekend and had fabulous time and really enjoy myself but I have spend a fortune and now have no money. Well I have £9 in my purse and that is about it till next week. (I should have been paid yesterday but i want to try if i can to keep that money so £9 till next monday).

Not sure i am going to make it or if thats a realistic target but I need to use the payday money on bills and for the weekend so really I only have the £9 I am hoping for a NSD all week this week and am going to try so very hard not to splurge....

Will keep you uptodate as i go on. Todays target make it through without spending any of my £9. - If i can pad any of that at the weekend i will be a very happy bunny.

Talk to you son

SHWA

so_here_we_are

I’m glad I went to the opticians, I need new glasses, it means I have a little fortune to spend but I guess it must be done.
I want it and I want it now, it’s terrible – there goes that impulse buying again. I was determind to have a good week but I have only managed 1 no spend day and I was rubbish this morning I didn’t get out of bed in time to make my lunch so i have had to buy some, yummy but I’m upset with myself, its like I’m never going to be debt free at this rate – ever and then i get this I want and itouch (i already have an ipod) or something and I just think sod it I’m going to get one and then it’s like I can’t afford it why can’t I afford it. Ohhhhhhhhhhhhhhhhhhhhh big sign.
I am doing really well, all my little bits are doing what they need to do and I am keeping up my spend diary and I can now see where all my money is going but the cutting it down and the making/sticking to a budget seems to be impossible. Its like I have my out goings which never change and they go out as they do every month and the bills are all sorted but when it comes to keeping money in my account which I can then send to pay extra to my debts it doesn’t happen. Its like I get paid at the sametime every month and I spend the same amount on the same things so why is all my money gone by week1 ?
I think i need to sit myself down and have a word, also figure out what to do. I think i need to go back right to the start and have 1 account all bills monies in/out and NO OVERDRAFT.
Patience it a virtue, but I want to be debt free and have money now! (also how come it only takes 5mins to get yourself into debt and a life time to get out of it)
Don’t mind the above I think I’m just pondering and writing it down as I go along.
Any budgeting help would be welcome, I’ve done an SOA but its setting how much I can spend week/month on stuff I want.
I need an accounts day....
Oh I’ll be alright once I’ve got some food in the house, Big Shop tomorrow
J

so_here_we_are

Morning All

Well I've done it and also almost completed it.

I have switched banks, I only have a couple of more bills to switch and then I'm all up an running in the new no overdraft new bank account. It took me a few days to decide who to go to and having been on here - not many people seem to like there bank, there is always something that one or other banks has done that has bothered someone somewhere along the way. I read on one of the threads that the banks are only in it for profit and well thats right so fcuk them I say.
I have also gone through my accounts and made a spread sheet of everything that is going in and coming out and when. I have also cut down on things I don't us or need.
It turns out that after everything has gone out I still have almost £400 left, thats not including my second income - so where the FCUK does it go, I should have about £600 to spend a month - I can't be spending it surely - (I think i am though - whispering to herself).
I will have to tot up my spend diary soon and see.
I get paid next week and I will be sorted by then - NEXT WEEK I WILL BE ORGANISED AND HAVE MONY AT THE END OF THE MONTH!

(fingerscrossed and a little hard work)

so_here_we_are

Its finally sunk in, this debt free getting a bit of money in my account and not just surviving is a long haul thing, it takes time and patiance and just by reducing you spending and giving yourself a break to enjoy life is not a bad thing.

Its clicking into place, I do want it and I want it now is still in me but I have sorted my bank accounts out and for the first time I have a real plan as to how I am going to get through next month. I know exactly what is coming in and out and when its due and what I have that I can spend and what I want to spend.

Next month when I get paid I'm not going to spend anything I don't need to, its still going to be a struggle and I will probably end up with no money but i actually feel in control....:D

I think it could be the start of something good :j

so_here_we_are

You know I think we could all drive ourselves mad if we think about it tooo much, life goes on and the world keeps spining and thing carry on as they should, and things happen for a reason.

I still want it and i want it now but I love this site I have been struggling with myself today about the whys and the hows and the whys again about debt but you I log on here and go through my usually threads and everything is ok, you are on the right track take a big deep breathe thing will be cool

:-)

so_here_we_are

Well, a couple of weeks ago I decided to try and get a 0% balance transfer for my outstanding cc which is hitting me with mad interest, and I want shot of it as I can't abare the scalifax anymore robbing gits anyway, so I applied and well I hear nothing and well I have carried on as if I wasn't going to get the, the 0% transfer, well I got an email tell me my application was approved and my card was on its way. I was a bit in sock at first and thought it was aprank email or something so I rang them and to m shock and amazement and job, I have got the account and the balance transfer and I will have 16 wonderful 0% months to get this paid off. So thrilled:j
Of course my brain went into over drive, what can I do with the remaining balance what can I treat myself with....... all those bad habits i have to keep fighting on a daily basis.
Well I'm not going to.

God I feel so much better for writing this down.
I will not let myself down again, I am gong to clear that thing within the 16 months I will get this updated on how i am getting on.

Oh I'm so thrill, I knew it the start of something good and the beginning of the end. Here I go just watch me Debt free here I come.

Oh i'm pleased..... Got to go now to go to work and earn more debt busting money.

Pay tomorrow as well and everything is sorted...

Happy Days:T:beer::j:T:D

so_here_we_are

Yesterday was Payday, and normally on payday my money has gone, gone nothing left all spent or counted for but no not this month.

The usual payment went out as it does and thats it. I didn't spend a penny I had a NSD and I am hoping for another one today and tomorrow. Oh soooo excited could it be that I am actually learning, rather than spend my money keep it, never can't be.

Well I think it is you know, I actually want my money to stay in my account and sort my finances out. Sod all the stuff I could buy - well I do still wobble on that front but I resist.

Lightbulb is glowing brighter :j