No more debt.....or choc!!

Choc-addict

Todays list -

• daily scratch card (DONE)
• check online banking (DONE)
• put some washing on (DONE)
• clear the flat (its a bit of mess as neither of us really been here ) (PART DONE IN LUNCH BREAK)
• clear my work tray and perhaps work a little overtime this eve. (NO WHERE NEAR...PEOPLE JUST KEEP THROWING MORE AT ME :eek:_
• SLEEP! (WILL MOST DEF BE DOING LATER!)

Not doing too badly, list nearly done and will finish off flat later this evening so it's neatly spruced and hoover through.

I have pulled out one of my many notebooks to start a spending diary as of payday on Friday Made sure it wasn't one of my pretty one....although I think perhaps having a pretty one would stop me spending even more as I wouldn't want to write anything in it :rotfl:

Need to sit down and work out a 'proper' spending budget for myself weekly wise and stick to it.....cash all the way for me from Friday in an attempt to have some money left over to actually overpay a debt - seems there is always something of late :mad: Car insurance is due end of the month and also our holiday comes out of this payday - two things I forgot about until recently so not sure how much overpaying will be done but I will try my best :cool:

Anyhow, back to it - catch up later lovelies xx

anonymoose_3

Oooh I've been soooooooo bad at keeping a spending diary this month:o I will start again on payday :T

Well done on getting most things crossed off your list today

I was fiddling with Mum's lappy earlier and installed igoogle for her, one of the widgets you can get is a to do list, think I'm going to add that to mine. If it's there every time I go on the internet it might prompt me to do more of it.

Hope you're having a good day xx

Choc-addict

anonymoose wrote: »

Oooh I've been soooooooo bad at keeping a spending diary this month:o I will start again on payday :T

Well done on getting most things crossed off your list today

I was fiddling with Mum's lappy earlier and installed igoogle for her, one of the widgets you can get is a to do list, think I'm going to add that to mine. If it's there every time I go on the internet it might prompt me to do more of it.

Hope you're having a good day xx

Me too but I vow to keep it daily from Friday onwards - you with me?! I'll check up on you if you do me

Just been doing a mini buget for payday and after all payments out I think I have approx 400 for the month and that's including after paying car insurance in full for the year :j (if didn't have car insurance would have been over £600 - wow!! Damn car :mad:) Now I know working this overtime has been worth it as normally never ever have that much left - woo hoo :T

So.....all being well (that overtime is actually paid!) I now have to work out what to do with the money - any suggestions?? This will be to cover petrol, general living for 'me' but remember I have no food cost as my lovely OH is paying this for a few month, awww :A I do have holiday to Scotland and Wales for first week in June to cover. I'm scared that i'm just going to spend it - that would make me feel sick :eek::eek::eek:

I was thinking £30 spends a week - to cover everything from petrol, toiletries, social spends etc. Then go on hols, with budget with OH worked out in theory and then see what's left in account when I come back perhaps??? Also aiming to spend less than the £30 per week between now and when we go away in June.

Holiday itself entertainment wise is free as walking/climbing but it's the travel costs (driving to Scotland) from as probably as far south as you can get as opposite the IOW!!! and also food costs etc - that said we're travelling with OH's brother and girlfriend so costs can be split which should help.

Forgot to mention, lovely OH was in little village yest and saw a lovely watercolour canvas of a cat (looked just like mine including the way it's curled up) and brought it for me.....he's lovely, isn't he! It's only little but has brightened up my desk for office at home and makes me smile - have one real pic of the little fella one side and then the water colour canvas the other side - happy days

My gosh i've been rambling - sorry! Hope I haven't bored anyone :oxx

Happytogetdebtfree

Hi I didn't know you had a diary not had chance to read it all m, goo luck on starting a spending diary I'm still in denial about that lol never had one yet :-/ that's pretty bad, not slept much damn nights mess the clocks up and I have a racing mind full of ideas and bits bats an jobs it's like a jumble sale in my head! Hope all is well coffee and kit kat time soon how I do love my coffee :-)

Choc-addict

Happytogetdebtfree wrote: »

Hi I didn't know you had a diary not had chance to read it all m, goo luck on starting a spending diary I'm still in denial about that lol never had one yet :-/ that's pretty bad, not slept much damn nights mess the clocks up and I have a racing mind full of ideas and bits bats an jobs it's like a jumble sale in my head! Hope all is well coffee and kit kat time soon how I do love my coffee :-)

Thanks lovely Coffee and kit kat, i'll join you on that - although maybe not the kit kat, don't want to start my choc addiction to another level :rotfl:

"Jumble Sale" - great way of putting it :rotfl: Hope you manage to get some sleep again later. xx

Happytogetdebtfree

Me too last night tonight yay. Kit kat was yum but could have done to have been endless but with same calorie content haha it's raining boo! I've got that DVD the secret to watch tnx :-) i'm up earlier than usual cos decorator coming lol x

Choc-addict

Happytogetdebtfree wrote: »

Me too last night tonight yay. Kit kat was yum but could have done to have been endless but with same calorie content haha it's raining boo! I've got that DVD the secret to watch tnx :-) i'm up earlier than usual cos decorator coming lol x

Ooh, let me know how you get on - positive's all the way! Yay to the decorators, bet you can't wait until it's all done and nice x

Happytogetdebtfree

Lol I'm going to put pictures on when all house is done x

anonymoose_3

Choc-addict wrote: »

Me too but I vow to keep it daily from Friday onwards - you with me?! I'll check up on you if you do me

aye aye Cap'n Choc!!

Choc-addict wrote: »

Just been doing a mini buget for payday and after all payments out I think I have approx 400 for the month and that's including after paying car insurance in full for the year :j (if didn't have car insurance would have been over £600 - wow!! Damn car :mad:) Now I know working this overtime has been worth it as normally never ever have that much left - woo hoo :T

So.....all being well (that overtime is actually paid!) I now have to work out what to do with the money - any suggestions?? This will be to cover petrol, general living for 'me' but remember I have no food cost as my lovely OH is paying this for a few month, awww :A I do have holiday to Scotland and Wales for first week in June to cover. I'm scared that i'm just going to spend it - that would make me feel sick :eek::eek::eek:

I was thinking £30 spends a week - to cover everything from petrol, toiletries, social spends etc. Then go on hols, with budget with OH worked out in theory and then see what's left in account when I come back perhaps??? Also aiming to spend less than the £30 per week between now and when we go away in June.

Holiday itself entertainment wise is free as walking/climbing but it's the travel costs (driving to Scotland) from as probably as far south as you can get as opposite the IOW!!! and also food costs etc - that said we're travelling with OH's brother and girlfriend so costs can be split which should help.

Forgot to mention, lovely OH was in little village yest and saw a lovely watercolour canvas of a cat (looked just like mine including the way it's curled up) and brought it for me.....he's lovely, isn't he! It's only little but has brightened up my desk for office at home and makes me smile - have one real pic of the little fella one side and then the water colour canvas the other side - happy days

My gosh i've been rambling - sorry! Hope I haven't bored anyone :oxx

The budget sounds good to me I'm sure you'll be able to stick to it, just have to keep at the spending diary

Awwww bet the pic is cute what a lovely OH!!
xx

OrangeFairy

Sounds like you are being very organised!! Woohoo on the OT money!!! Makes those long weekends worth it!!

I will look forward to seeing how much you manage to be left with!!! :D:D:D