Loved life a wee bit too much!

In_my_dreams

Well done on the shopping, good to feel organised :j

BEAT_THE_DEBT

Morning all! I put the tree up yesterday little J wore me down!! I always love it when its up but it takes ages its 7ft and takes five sets of lights!! :eek:Bet SWALEC love christmas!! Never mind its only once a year eh?:rolleyes:
I was last week i took lunch to work and went to canteen:eek:! I did really intend to take the roll home with me but forgot it and i feel really guilty! If it was not the weekend i would have had it next day but dont think a ham roll will keep from fri to mon!! Really cant get my head around dieting! I am not going to drink now until next sat,and purse can stay at home!!
We also had a takeaway last night! But i suppose we are not going to live life perfectly frugal all the time i dont think its realistic, and we have gone from one a week to one a month to one every three or four months!!
Isnt is funny how things like not eating your homemade lunch can bother you once you are on the mse journey (also food waste is not good!!).
Anyhow i will endeour to be a saint next week:A! Watch this space!!
BTD:DXXXXXXXXX

mum2one

If you look at my sig, "i'm on the secnic route", my debt free date Nov 2015, If I had a frugal life and did nothing I could knock 2 years off, but hey, I need a life, not to the extent that I'm partying every weekend, but a takeaway pizza or chippie once a month, a few day trips, a holiday or 2, not extravagnent, but money saving, when we go with family, we holiday in UK, mum pays 75% of the hol, we go in a caravan, get the best deal, I try to live life the best I can on a budget.

For me clothes was one of my big spends, this year I joined the £100 for the year clothes challenge, its nearly Dec and I still have £7.00 in the pot.

I don't go out every weekend, in all honestly, bar when I have a holiday I go out a dozen times a yr for a meal with friends, (1 friend, we do 2 4 1 pubs, other indian, big pick + mix ) but we enjoy it, and by saving that way, I can have a life, otherwise I'd go stire crazy and end up more of a financial mess.

BEAT_THE_DEBT

Thanks mum2one i agree with all you said! I have saved £190 in holiday fund, i agree that caravan hols can be the most fun as you come and go as you please!xx
Hope your well i am hopping over to your diary now to see!x

In_my_dreams

Am with you on the lunch thing - I take mine in and I'm either brilliant all week and have it or it stays in the fridge and then I'm really cross with myself. I have left some soup in work fridge and I'm sure its out of date but I might eat it tomorrow anyway :rolleyes: I think I need to make myself more exciting meals and then I wouldn't be tempted to stray.....

I've considered putting our tree up but OH thinks I am bonkers as I get fed up with it easily, last year it came down on boxing day :rolleyes:

savingholmes

I want to put lights up - even if I don't put xmas tree yet... I find the lights really cheerful to come home to!

InaPickle

I know what you all mean about lunches: I spent an absolute fortune on rubbish today and feel bad about it. I am going to pack something for lunch right this very instant so that the same thing doesn't happen again. I've just wasted a fortune! (I haven't quite had teh guts to figure out how much yet).

Bad, bad Pickle!

mum2one

BEAT_THE_DEBT wrote: »

Thanks mum2one i agree with all you said! I have saved £190 in holiday fund, i agree that caravan hols can be the most fun as you come and go as you please!xx
Hope your well i am hopping over to your diary now to see!x

Good for you with the holiday fund, ur get there, going back to what I said about having a life, you need to make sure you have a treat if you hit a certain figure, when I did my figures for the yr, I worked out monthly, it worked out at 3k off debts, (11k take home), but I set a challenge of 5k, as last yr I took my friend on the Orient Express as an early 40th bday, (were both 40 in Mar 2011), as her present is shes paying for both of us to have afternoon tea at Ritz. Stay overngt in London (Not the Ritz!!), accepted the iou with a BUT...... if I didn't hit 5k it was a day trip, if I hit 5k overnight, and I have literally worked my rear balanceing budgets, stretching money. Its slightly easier as I took a consolidation loan, but gave dad 2k to help his bills..... instead of using it on my debts.....

Next incentive, 2011 taking DD to Dom Rep (3/4 trip paid for for compensation), but I want to be able to pay for the dolphin swim, photos + video etc.......cash ...... not slap on credit card.

Then when I'm debt free, I'm off to Las Vegas..... I'll get there. xx
I hit the 5k target in Nov..... still got dec to go, So I know I've got London in 2011, but I brought myself a Radley handbag, (always wanted one) it was mse as it was reduced from 150 to 100, but that bag, means the world for the fact that I earnt the right to buy it...... (a personal challenge).

mum2one

InaPickle wrote: »

I know what you all mean about lunches: I spent an absolute fortune on rubbish today and feel bad about it. I am going to pack something for lunch right this very instant so that the same thing doesn't happen again. I've just wasted a fortune! (I haven't quite had teh guts to figure out how much yet).

Bad, bad Pickle!

We all have a slip ocassionally, if you enjoy its not rubbish its merely a treat, maybe an expensive treat...... don't knock yourself xx

InaPickle

mum2one wrote: »

We all have a slip ocassionally, if you enjoy its not rubbish its merely a treat, maybe an expensive treat...... don't knock yourself xx

Aw, thanks, but I have to admit that this kind of silly expenditure is one of my worst failings and one of the things I could easily save a bit of money on. I will have to be more organised and sort these things out the evening before in future as leaving it until the morning means it sometimes doesn't get done, and then results in me having to buy a relatively expensive (and unhealthy) lunch out.

So I'll look upon it as today is not to be too annoyed about, but tomorrow as unacceptable. x