JC's kick up the butt diary!

jasperconran

well I think the time has finally come for me to start a diary. Anyone of you who has read my post from the weekend, will know the state im in at the min. Just want to say thank you for all your kind words and support.

You will see from my sig, we have a lot of debt! Basically, OH is an idiot with money (im sure ive said this before!) and its always been left down to me to sort out.

Im starting this diary cos I need help, support, and above all, motivation. cos sometimes, I do fall off the wagon a bit:eek: I know its cos im feeling low, but I know I can do it!!!! So, theres just me, OH, DD and one 8 year old golden labrador........ oh and s*** loads of debt! need to start writing everything down especially budgets n stuff. hence the diary. need to get off my lazy butt and start ebaying again, and doing more daily clicks. will check in soon peeps!

40somethingmum

Jasper !

A new diary. Yay:j.

I am so pleased that you have decided to start a diary , infact I nearly suggested it to you yesterday after reading your post. You will find find lots of help & support on here ... everyone is fantastic.

Good luck with everything and thank you for the support you have been giving me on my diary. I will be reading with interest


How are things today ??

Love

40SMxx

jasperconran

hiya 40sm, I thought it was about time for a diary!!

well after the weekend, I have decided that for now I will have to stay where I am:( but I have decided that there are now only a few things I care about, 1. my DD, 2. my doggie!, 3. me and my health!, 4. my debts.

OH can sort out his own debts from now on, his made his bed so he can bloody well lay in it!. I am sick of being called tight in front of my DD by him, I have to explain to her, Im not like that, we just cant afford it! Cos of his overspending at the weekend and over the bank hols weekend, we are now going to be over our overdraft:eek: Ive not gotta find an extra £250 from somewhere!!!!

On a lighter note, its DD's birthday at the weekend, shes having a sleepover and we are going bowling. Thankfully budgeted for by moi. and at the end of next week, OH is going away for 5 days:j I cant wait, doesnt that sound awful, again budgeted for by moi thank god! Me and DD cant wait for him to go!

Anyway, thanks for popping in 40sm, have a great day and talk soon xx

40somethingmum

Hi Jasper,

I am sure that your DD knows whos is in the wrong... and its not you;)

Well done on saving for DD's birthday .. I am sure you both will have a fabbie time:)

Make the most of your 5 days of freedom;):D

Love as always

40Smxx

jasperconran

thanks 40sm:D.

One thing I forgot to add at the start of my diary is I think we should change our bank account. Our overdraft is set at £2500 and we usually go up to £2300:eek: so every month we are loosing just over half of our combined income on paying it back!!! So we never catch up. I have suggested to OH that we change to another bank and he refused. I can understand it in a way, we have been with our bank for over 20 years and we have got a good history/relationship with them. BUT we need some breathing space, and he just cant see it. We never get on top, never.

I am just wondering now if I should just go ahead and open another account with someone else and have all the bills paid out of that. what do you think peeps? any thoughts. thanks

moo2moo

Hell yes. Its a great idea. Set up an account into which all your bills come directly out and on pay day pay in the money you need to guarantee these are covered. Ditch the cheque book and the cash card so that theres no way you can spend any of the money in that account nor can the payments bounce because of a shortage of funds.

If you're not already with them First Direct give you £50 when you open an account as do Nationwide and A&L regularly have a £100 incentive plus there are sometimes offers for going through Quidco. At worst if your bills come to £1K a month the Halifax will give you a fiver.

At least you'll have the peace of mind of knowing that each and every critical bill is paid without question no matter what.

Enjoy diary writing. It can be very therapeutic.

jasperconran

hiya moo2moo,

thanks for popping in:D I am finding that doing this diary is actually making me feel better, sad isnt it! lol:) I think that I will have to open a separate account, no offence to some of the boys on here, but why oh why can men be soooo stupid sometimes!?:mad: dont they get it??

Also has anyone got any bugeting tips they can give me with regards to food shopping? we aint really got any money left and pay day is 2 weeks away:eek: I seem to be so useless at it, even tho I meal plan, take a list with me etc. everyone else on here seems to do a fab job!! also what are the best sites for daily clicks? I seriously need to get my butt in gear with these, I do the paid emails etc like archerfish, sterling and britannia mails, but are there any others u guys can recommend? thanks

enjoy the sun peeps:cool:

moo2moo

Yep. Empty all your cupboards and your freezer into the middle of the kitchen floor and inventory the lot then post that inventory on here and call it a store cupboard challenge. Bet you have tons more food than you think and you'll get some surprisingly good suggestions too.

If you can get to a Co-op whole chickens are half price at the mo so £3 will buy you a huge chicken. Roast it, have the meat in butties and turn the remainder into soup. Thats a minimum of 3 meals sorted. The addition of Tesco 9p noodles makes the soup go even further.

moo2moo

Daily clicks and the like (in no way a comprehensive list cos I'm far too lazy)

V!rgin Bingo - free scratchcards 10p per day (payout £5) located on page 2 of favourites in the Nekar Island Bingo room

Ch!t chat B!ngo (or someother comapny in the St M!niver chain) - free scratchcard 10p per day (twice on sundays) pay out at £10

Toluna (like Marmite) quick click surveys £15 every 80,000 points achievable every month if you're Flying Fresian or every 4 months if you're a mere mortal

OnePoll - quick surveys the more you do the quicker you get paid generally 10p for 30 seconds of effort. Payout at £40.

jasperconran

thanks moo2moo, I think I will havta do that. I can be such a lazy mare sometimes, ive probably got alot of more food than even I realise!!:rotfl: anyway, I have just signed up to Fatcheese, but cant see where to do the daily clicks:o im either blind or stupid! (no comments thank you!:rotfl:)

can you or anyone else help? thanks again for your comments so far x

savingwannabe

Am about to go to a medical appointment but well done on the new diary. This is fab.

Will post later.

Nb. thought of ebaying stuff lying round the house?

:j