Having courage to be honest

ruby1968_2

Good news I have finally managed to set up and added new recipitents to my bank account so will be able to PADS as and when able to which will make things a bit better as I check my account everyday.:T

ruby1968_2

I have just posted the 2 ebay items that I sold, i still have one that I awaiting payment for and have relisted the ones that haven't sold, Done all my cleaning the washing is on the line getting a good blow so far so good.:) hubby is on way home from work now and not sure what we're up to this afternoon. it will proberbly a MSE even he's starting the get the hang of it:T.

ruby1968_2

The end of another day and Totally NSD (not that I've got any money anyway) so I'm really quite proud of myself, dinner found from whats left in the cupboards and freezer and will be same tomorrow:) have managed to sort out finances for April for when the water and council tax reappear:D well it not as if we didn't know it was coming (good will it lasted) doing stock take tomorrow so will know what I'll need for next weeks shop.

ruby1968_2

Today I have not done too much as not felt too good, any how CB went in today so with £33.20 gone in £30 with drawn the breakdown of spends £15 petrol so DH can get to work tomorrow, the rest on a few bits of groceries needed till tuesday when can go and do a bigger shop. the balance of £3.20 left I divided £3.00 between 3 pads and left the 20p in the bank.

will be spending tomorrow sorting out budget for the week.

40somethingmum

Hi Ruby,

Sorry to hear that you were not feeling to good yesterday.:( I hope you are feeling much better today.;)

Have a good one:)

40SMxx

ruby1968_2

Note to self today:(

:eek:GET A GRIP:eek:

ruby1968_2

:idea:Having the courage to be honest has made me sit up and change the way I deal with aspects of my life, I have learnt that there are plenty of other people out there that have the same if not different problems to me.
I have also learnt a lot when it comes to money saving I have had plenty of encouragement with my journey, I have come to a stop as I am wondering why I bother even trying (of course wanting to be debt free) so I am going to set myself a challenge in the aim to achieve that the smaller debts will be clear by Christmas:rudolf: as well as having the Christmas presents brought and paid for hopefully by September (achievable). So my plan for the next 9 months is to knuckle down and think achievable and realistic.
The smaller debts for this year:
Provident £784.50 @£87.16 per month
Catalogue £473.70 @£52 63 per month
Overdraft £747.96 @£83.10 per month
Total to achieve£2006.16 @£222.89 possible but will be hard.:)

:think:I may have to revise this as it needs to fit into the rest of the budget and other payments. Will see how it goes as I must it more realistic to achieve.

Lemon_Tree

hi Ruby
it's always better to set achievable yet realistic targets otherwise i find you're setting yourself up to fail and then in my case i end up going and spending more money.

bevan840

Wow Ruby, what a journey!! While I was reading I noticed you talking about energy levels and pain and wondered if you had similar to me (ME/CFS) then came across the post about fibro There's a lovely thread on here for people with ME/CFS, fibro etc, it's here:
http://forums.moneysavingexpert.com/showthread.html?t=1224675

They are all a bunch of lovely people and are always there to listen if you need a pair of ears

Your doing so well, and on 1 wage as well!! Keep going *hugs* xxx

ruby1968_2

Hi lemon tree yes I proberbly have set myset myself up for failure, I am going to look at any revisions at the end of March and the maybe regig and see what is going to be actually more Realistic than just possibly. thank you for you words