Trying so hard but failing

kerron7

Wasn't a NSD but hoping for one today, really need to set myself a target in sept maybe 10. I find it difficult to keep track of DH spending, he always seems to spend near enough each day even if if its 25p!

Doing to do some more decorating today inbetween watching the cricket & tennis later on.

Going to try and clear the washing today, hopefully the sun will continue to shine all day.

Have paid £109.64, towards a few bills today. Will update once i have new statements. Need to pay another but site is down so will try again later.

Kerron7 xx

Primula

So sorry to hear about your nan, hope she will be ok.

Well done to your payment off your debts too. Also, re SoA, I know you said you have everything as low as poss, but sometimes a fresh pair of eyes can see something you don't so perhaps worth thinking about.

kerron7

Hi,

Have been away for a few days had a lovely time, the kids really enjoyed it. Didn't record spends but it wasn't too bad, came home to find i had left the electric fire on for 5 days :eek: so not looking forward to the electric bill!

Bank hol today so not doing much apart from housework, need to get some milk apart from that a nsd i think.

Kerron xx

kerron7

Morning,

Trying to feel positive about money and the situation but have quite a lot coming up in oct & nov i know i will feel like i'm drowning again.

I have sold mostly everything i can, i can see me using the cc again come then.

Caterpillars have eaten nearly everything i planted in may :mad: so will have to buy some veg!

Weight loss is not happening, will try harder once children are at school next week.

Need to get some uniform sometime this week for DD brought DS start of the hols.

Today i need/will

Tidy/clean downstairs
Hoover downstairs
Do ALL of the washing
Salvage something from the garden & do a roast

Will update later

Kerron xx

kerron7

Woke up to the sun shining today so have put some washing on the line and some in the washing machine waiting to go out.

Spent £6.50 on some bits from the shop yesterday, not sure if DH put some petrol in though so could of been an expensive day.

Will need to get some milk today and maybe £10 petrol for my car.

Trying to persuade myself not to buy a new sofa we need and trying to justify at the same time we won't miss £8 a mth! what to do!

kerron7 x

kerron7

Not sure what today will bring or if i will spend any money to be honest its one if those days where i don't actually care!

Kids are back to school and i feel like i'm coming down with a cold, so i just feel pants.

Kerron x

kerron7

Not much to update really apart from the money situation is worse than it was last week. DH car also needs some work on it not sure how much but will probably need to go on the cc. Feel like its all getting too much again. Tryed to talk to DH about it last night and asked of he could sit down with me look at the bills etc he said he knows it is bad and doesn't want to because it will make him feel depressed. I know he earns all of the money but i feel a huge pressure trying to make sense of this mess and make some sort of inroads.

Anyway, chicken curry tonight made from left over chicken from roast using and 2 x 4p sauces lol.

Back on diet really want to shift 7lbs in the next 4 weeks.

Kerron x

kerron7

Right, not posted for ages really need to start again to give myself a kick up the bum. Things looking a little better a few areas where it is has gone up others coming down, so mainly good. Not spent on cc's since before xmas. Trying to get rid of all the little bits i'm going for outfit first as this seems to be the highest interest.

Lunch - Beans on toast
Dinner - Chicken fajitas from leftover chicken & curly fries ha ha!

Can see DH has made sandwiches for work this morn by the mess in the kitchen, but i won't complain. May take a walk to the shops later with the kids to get some milk & a few sweets so that will be about £2.

Need to get some washing on the line
Put some clothes away
general tidy round

Kerron x

kerron7

After having a think this afternoon i have decided to take the £60 i have been paying to Argos which is int free until end dec and add it to the £30 min payment plus another £20 to the next bill so that will be gone in 2mths. Then the following 2 mths pay off outfit and cc4 which will leave me 5mths to pay Argos off, fingers crossed.

I have then decided any overtime will be split into 3 eg £100 - £40 extra payment to a bill, £30 save & £30 treats/days out this way we can also enjoy ourselves a bit and not get completely bogged down with bills.

I think its going to take just under 3 years to pay the cc's & the loan has 6 yrs left which i am hoping we can get down to 4 1/2 once we have paid the cc's. We really need to do this as morg deal comes to an end in 2015 we then need to go back on to repayment & will be able to overpay and catch up again.

Feeling a bit more optimistic today if things don't change with tax credits too much we might just be debt free in under 5 years.

Kerron x

NAEFAGS

hi
just dropped by to say hi & welcome back

xx

naefags