The Ultimate Incentive to get debt free… again. Dinah & NIM go head to head!

Dinah93

I've got a bit of a phobia of being sick, even when I know I'll feel better after I hold it in, like you Birdie I've managed to largely avoid if for years and years, I'm not sure how well I'd mentally handle the idea of being sick every day.

Inspired by Cinny and Zig (and also the fantastic progress Tete made on her 28 things list) I've wasted this morning making a Day Zero list. I do love a good list but I really should be trying to get some work done.

For the first time in quite a long time I feel like I'm not being pulled under by the weight of stuff which needs doing. I also don't dread logging on the bank account - I know there is enough in there to cover what needs to be covered, and we're being very good about not buying food we don't need (I feel oddly proud the fridge has only about 10 perishables in it, and they're all sensible like butter, apples, bacon, leeks, sweet potatoes and milk), and we're not being very spendy in any other regard. I think my eyes have just opened to the possibilities life would have if we didn't have the debt.

I do feel a bit baffled by how to do my financial forecast, but I'm very determined by the end of this weekend I'll have an up to date business plan and financial forecast in my hand.

I forgot to post after I went to the doctors yesterday, I finally have a diagnosis! As I had started to suspect it's not asthma. The doctor says I have an infection called chondrochondritis or some such thing, basically the tissue around by ribs and chest wall is inflamed making it feel tight. It's no more serious than a bad chest infection or something, it's just a case of keeping warm, dry, taking anti-inflamitories and it should go in 1-3 weeks. I'm about 8 days into that now so I'm hoping to go back to work at the start of next week.

Total extra income made in Feb: £796.82. And it's the shortest month, definately encouraging me to do better in March!

Cinny91

Glad they've figured it out Dinah! When I had my chest infection a year ago it knocked me out completely for a week, I don't know how you're still up and about!

Also really happy you're feeling better about the debt. And well done on the food. I think that's everyones main 'hole' in their budget. If I didn't faff doing the food shop we'd only be spending £25-30 a week, need to tell myself that when I'm reaching for the stripy strips! Congrats on the extra income too! :j

Flower08

Dinah93 wrote: »

I also don't dread logging on the bank account -

Hoping I will feel like this within the next couple of weeks. Has been really hard with OH not having proper income for a couple of months while he changed jobs. Even now he has money coming in it feels like we are still trying to catch up with ourselves.

Dinah93

Aye I think we've only just caught up from the damage my sick leave caused with my knee, and the wedding and honeymoon. I'm really really incentivised now I can see changes, whereas before I felt like I was running to stand still. I did find putting food and petrol money in another account was the biggest help as I didn't realise how much I was overspending by.

Flower08

I think going by our budgets and workings out, we will be back on track this time next month. Then we are going to get some money saved so for baby things and materity leave.

clearmydebts

wendz86 wrote: »

Ohh CMD maybe it is a girl if you don't have sickness this time. I have had very minimal sickness and am having a girl and my Mum didn't have it with me and my sis. Most people say you usually get more sick with girls though, I think every pregnancy is just different!

I think it is another boy Wendz, although I would love a girl!

clearmydebts

LittleBit wrote: »

Wow Congratulations CMD!!

I am now 25 weeks pregnant with baby number 3 and there will be a 19 month age gap between my Max and the new baby - which is another boy :j Small age gaps are great x

Congrats LittleBit! How much of a gap is there between Max your first DS?

wendz86

Glad they managed to diagnose it Dinah , hope you are feeling better soon.Looks like you have been doing great with the moneymaking too and must be nice to not panic when looking at bank balance.

Dinah and Birdie - you might be lucky ones like me who didn't really get sickness!

Dinah93

My mum never got sickness... nor did my gran... but both were on bed rest for 5 months of their pregnancy, so I guess it's swings and roundabouts!

LittleBit_2

There is a 22 month gap between the 2 boys I have already, so in total there will be 3 months and 5 years between all 3