If i could turn back time i would............. (my diary)

pennywisepoundstupid

Well hubbys wages were an admin error:mad: or something and will be in his account monday, they better be as mortgage goes out then, i have transfered everything bar £10 into hubbys account (bills account) to cover DD today, have kept £10 incase i need groceries.
Had really bad nights sleep as this has really made me relise that we have to sort out our debt out and cannot live like this, we should have enough money put aside for emergencies.

Have £6.71 in purse this should cover ebay parcels i need to send today.

Run out of cakes and biccys, so will bake today as i have plenty of stuff in, thankfully i did a big shop last week.

pennywisepoundstupid

Halifax cc and post office cc arrived so will update sig, at least they are both going down slowly.

Ceniza

Hope the payments are made okay today! I don't have an emergency fund either, and wish I did, but every time I think about saving up some money, I think about hwo I could use it to clear my debt.

pennywisepoundstupid

Hi Adam, i'm the same, but i really think we need to have enough money put aside that is at least enough to cover 1 mortgage payment (750) but how we do that i don't know:(. I really feel i have let my children down, how can i teach them to be good with money, when i'm carp myself.

Ceniza

Hey, you got your tense mixed up - you mean you WERE crap with money! You're doing everything now to fix that, and are sensible with money now!

By realising your mistakes you're going to give your children a better head start than you know. When I was growing up, I never received any real financial advice from my parents. In fact it was my Dad whom suggested that I take a car on finance. Since then my debt has always been a problem, from the age of about 21.

By learning from your mistakes now, you can pass on these valuable lessons - that I never received - to your children and hope they don't make the same mistakes. Being open and honest about money should help them

pennywisepoundstupid

Thanks Adam, your right, guess i'm just having a down day, tired and have a headache and feel out of control.

Going to have some HM soup and then sit and work out budget for the month.

Ceniza

We all have bad days at some point

mummy2mygirls

Sorry you are having a bad day Im with adam you WAS bad with money but now you know your mistakes and are fixing them so your children have a better life They will see how good you are now and you will be able to tell them how you have had bad times and let them learn from you not to make their own...

Thank you so much for my parcel Was so lovely of you.
xx

savingholmes

hi - back from my holidays now so catching up on what you've been up to! The dolls house sounds a lovely thing to aim for - I get other family members to put their money towards any big pressies to!

Sorry to hear that your OH didn't get paid on time it is very frustrating. We would survive on overdraft if that happened....

mummytogirls

Hi Pennywise, sorry to hear things didnt go too well with DH's wages. Did they go in today?
If its any consolation we dont have an emergency fund either.

Have you had any probs getting into opinion world? I cant seem to get in? x