Fresian's Final Push...Mooooving Towards Freedom

mooomin

Final weather complaints before I finish my lunchbreak and get back to work....

1. I must be feeling the need to add another layer of fat to myself, as we can now add spends of £2.25 for a roll & sausage and a cup of tea onto this weeks total spends

2. All the sodding trains have given up the ghost and stopped running in Scotland. Hopefully this will improve overnight. It might make my trip to Glasgow to see DT a little more eventful than I had originally planned.

*shiver*

beanielou

My mum is due back from her winter break tomorrow.
Should be interesting.
Hope you get tae Glasga

InaPickle

flying_fresian wrote: »

Can't spring...too much bl00dy snow :snow_laug

:rotfl:

As for ice-cream bowls, you'd only have to leave it on the doorstep at the minute!

Also, PADing seems to have worked really well for you, Fresian, but it doesn't quite seem to do it for me. I seem to find it easier to put away a lump sum at the beginning of the month and then deal with whatever 'spends' I've got.

Any tips, oh debt-free one? :cool:

beanielou

Good question pickle
Any tips oh wise one?
I cannot get this bleeping OD to shift at all.gah.

shrimpy_80

Hey F_F, just wanted to pop in and offer my congratulations! Haven't posted in ages but have been lurking, bit cold for that today though Enjoy being debt free and keep up the diary! xx

Lurker1972

Guilt free sales shopping sounds like bliss - enjoy!!!

MrsNotAPenny

Congratulations!

I don't know how to do fancy ones! Well done! I'll bet it feels amazing! :j

(we're still not in our house yet!)xx

mooomin

InaPickle wrote: »

Any tips, oh debt-free one? :cool:

Honestly? I don't know!! PADding works for me because if I pay a lump sum into an account I feel hard done to and end up breaking into it! PADding gave me more control because I felt as though I had the £1 or £2 "spare" each day, and didn't have the shock of seeing a tiny account balance all month (Just the last two weeks, hah!)

I tried spending diaries (got bored) and paying cash for everything (would always run out of money by the Wednesday and resort to credit/debit card) but they didn't work for me. I honestly think that the only way to do it is to try everything and see what works for you!

beanielou wrote: »

Good question pickle
Any tips oh wise one?
I cannot get this bleeping OD to shift at all.gah.

The only way I got shot of my overdraft was by PADding. I made sure the overdraft was on my bills account not my spending one. Each month I transferred over enough money to cover all the bills, then did PAD into the account so that each month I would be starting a little less overdrawn. It wouldn't have gone anywhere if it was on my Spendy Account!

InaPickle

flying_fresian wrote: »

Honestly? I don't know!! PADding works for me because if I pay a lump sum into an account I feel hard done to and end up breaking into it! PADding gave me more control because I felt as though I had the £1 or £2 "spare" each day, and didn't have the shock of seeing a tiny account balance all month (Just the last two weeks, hah!)

I tried spending diaries (got bored) and paying cash for everything (would always run out of money by the Wednesday and resort to credit/debit card) but they didn't work for me. I honestly think that the only way to do it is to try everything and see what works for you!


The only way I got shot of my overdraft was by PADding. I made sure the overdraft was on my bills account not my spending one. Each month I transferred over enough money to cover all the bills, then did PAD into the account so that each month I would be starting a little less overdrawn. It wouldn't have gone anywhere if it was on my Spendy Account!

I think my brain just works in the opposite way. Say I got paid and I paid £200 into savings etc. then I feel as though I've 'got somewhere', so to speak, then say I have £100 for 'spends' and I have some left at the end of the month, I would pay that into savings again, but I find that if I try to take money out of my 'spends' money before that I find myself thinking 'OK, well I've had a cheap week this week, but I might need that in a week or twos time, so I'll leave it until the end of the month'.

I think I'm just not on the PAD wavelength. Perhaps I'm a horse for a different course.

Hope the snow is subsiding. x

mooomin

Tired, tired, tired and have already had an accidental nap on the couch

Today I have trekked through the snow (bah!), gone to Morrisons (double bah!) and done not a lot else!! I have a shiny new Virtual Sealed Pot AKA a new savings account with ING which now has £9.64 in it, and I have also paid almost £3 into my proper Sealed Pot and a whopping £2 into my ISA, so today has been the first day of my new Savings Me :j

Confusion of the day is that my online banking has changed how it looks :eek: It looks all new and shiny but it's change and I fear change Hopefully I'm able to work it properly tomorrow when I'm less exhausted!!

I'm up early tomorrow to go to Glasgow and see Double Trouble. Hopefully the trains are running and the journey is hassle-free. I'm not going to hold my breath though!