Making every penny count

40somethingmum

Morning :hello:

Well I have just re-done my snowball calculation and it has calculated my debt free date as June 2016:( ...... I want it to be Mar 2015 .... a whole 15 months less:eek:. This really means that I really really need to work hard at this. It means that I can no longer just chuck things on the old plastic when I am a bit short

I have also looked at my budget for the next month and .... mmm.. I am going to be a bit short by ..... £700!! !!!!!! :(. Normally I would bung on the old card or dip into the old tax money. Neither of which I can carry on doing.

This is not easy is it ?

40SMxx

ruby1968_2

:jHi 40sm

just popped in see how you doing, I managed to get my shopping reduced this week as I used up my vouchers and stamps at tesco's total shopping was 37.16 down to 7.16 which was pretty good in total I think my spend this week will about 30.00 normally 70.00. have a great day.:)

ruby1968_2

£700 alot to be short by, I thought 500 was as that is what we've lost due to overtime cuts still trying to look at ways to cut back.

40somethingmum

:mad::mad::mad:

DH received his new switch card a few weeks ago which I keep telling him to activate and use . He just says stop nagging !!

Anyway, he has just phoned to ask whether I have transferred money out of his account ( I do his on-line banking ... he does not even know the passcode:whistle:). He tried to use it when buying petrol this morning and it would not work so he used his credit card instead . This will bring him over his limit and will incur a £12 charge:mad::mad: . I have quickly transferred money to pay the cc but I know it won't stop us getting charged.

I now need a cup of tea.

Back later.

40SM;)

40somethingmum

ruby1968 wrote: »

£700 alot to be short by, I thought 500 was as that is what we've lost due to overtime cuts still trying to look at ways to cut back.

Yes it is a lot !!. Unfortunately we have extra things to pay like car tax, electric bills & car insurance. .

40SMxx

ruby1968_2

Me Too, mine dosen't even know how much on his, it's locked away.

40somethingmum

ruby1968 wrote: »

Me Too, mine dosen't even know how much on his, it's locked away.

:rotfl::rotfl: What will we do with them :rotfl::rotfl:

40SMxx

ruby1968_2

well I could think of a few things, but they might not like it.:rotfl:

40somethingmum

ruby1968 wrote: »

well I could think of a few things, but they might not like it.:rotfl:

:rotfl: Yeah and it might involve us getting banned from this thread :rotfl::rotfl:

40Smxx

ruby1968_2

;)think we better keep it ourselves, and keep them guessing:rotfl::rotfl:

back to jeremy kyle catch up later