urg’s Happy, Healthy and Wealthy 2011 Diary

taxi73

yes babysteps do really add up..hope everything is ok at your end x

urg123

Hi Everyone

I was a bit naughty and bought some nice make up stuff. I've been able to 'off-set' it against some Quidco payments but I really need to be careful. I am enjoying wearing makeup and like having 'nice' make-up but it can be very expensive. I think I've got enough to keep me going for quite some time but I do need to keep an eye on my 'urges'

Yesterday was a NSD - my first for the month. I have also managed to take lunch into work twice this week. I only have to cover tomorrow and work will be providing lunch for the rest of the week.

Not doing well on the 'healthy' - my weight has been creeping up so I need to keep an eye on this and get motivated to do something about it.

DH cooked dinner so I better wash up (why does he need EVERY pan!!!!).

Hope you are all well in diaryland.

urg x x

taxi73

There is nothing wrong with buying nice make up as if you feel good on the outside you'll feel good on the inside xx A girl has to have some pleasures,

Are you feeling better now?...I do hope so.

must be a man thing my DH always uses loads of pans...lol

urg123

Hello all,

I have been neglecting my diary and that is a feature of my financial situation.

I need to start wit a major review and overhaul. I have been trying to get my DH involved in the household budget but I find that
a) he still has his own financial issues that never seem to progress
he never seems to get involved and I seem to cover all of the household bills excePt the odd shop. I accepted this situation when we married and I know some of it will change shortly but I am getting very p'd odd given that my finances are still as they were when I was single.

DH wants things to move forward - i.e. To start a family but I really can't see how we can with our finances as they are. Ideally I would like to move into a house before we start but I have accepted that is not likely. I am
just scared that we will never move out of this flat if we do have kids. I feel like I am the only one compromising and I will be the only who cares about money in this relationship.

I am getting more and more frustrated as I bust a gut to pay the household bills and feel that he does little to contribute. What made me even more angry oils that has bid £600 on an auction for football memorabilia! I
wonder why I bother some days.

Sorry for the rant - I really don't have anyone to share it with.

I may as well Get on with the ironing seeing as I am up!

Urg x x

urg123

On a more positive note I have managed three NSDs and hope today will be a fourth. Ideally I would like to aim for 10 which may be possible by the end of the month.

hypno06

Sorry that you are feeling so frustrated about things - I am not really sure what to suggest. I was lucky in some ways when I was married that OH didn't want to have anything to do with the finances, so I took complete control, which meant I always knew the bills were going to be paid etc - I even had his salary paid into my bank account to take any temptation away from him.

However, that lead to the fact that I too felt immense pressure to keep it all going, keep the focus on it - because he had NO idea how much his take home pay was, how much our council tax was, or how much had still to come out of the bank account before payday etc. When I then asked him to help, to take over some of the responsibility etc, he just said "but you're so much better at it than I am" and so I carried on.....

So, I feel your frustration, but all I can say is that maybe changing the way you think of it, rather than the actual way you do it, might make sense and might take some of that grrrrrr away from the situation.

Positive thinking.....works wonders, but not so easy to come up with at this time of the morning I know!

xx

urg123

Thanks Hypno,

Most of the time i'm ok with the ways things are - I get annoyed when He asks 'How annoyed would you've if...?' after a hard day at work, and feeling like I am constantly scrimping or finding ways to be able to buy treats - it's just ahhhhhhhhh! He hasn't really had his lightbulb moment - he moves his debt from one 0% card to another. I just wish that would accept some financial understanding, if not responsibility, in this relationship.

Other good news - my flatmate's brother will he taking over her tenancy. It'll add a few months of extra rental income that i Wasn't expecting and will mean the kitchen and remaining window costs will be paid off by Christmas. The next project is the bathroom. I have a cunning(ish) plan for that.

Think I need some pen and paper time to work out a plan and some goals and also sit back to recognise my acheivements! I've now paid off 14% off my mortgage since it started which means I own over 36% of the flat (based on it's original price). That's not that bad really!

Thanks Hypno!

Urg z z z! I meant to put xxxxx but the zzzz seem rather apt after my lack of sleep!

hypno06

Excellent news on both the continued rental income and the amount you have paid off already!

It certainly is easy to lose sight of what we have achieved.....we just seem to take it for granted, so a reminder isn't such a bad thing from time to time!

urg123

Today I

* Managed my 4th NSD
* Took my lunch in
* Did not snack whilst at work
* Ate a meal from stores
* Went for a walk at lunchtime
* Updated my spreadsheet in light of the new tenancy. That means that I will be in a far better position

Now - I think I will head off to bed. I hope I don't have another bad night's sleep!

urg x x

taxi73

sounds like progress there