determined to be debtfree!

debtfreewannabe321

LOL thanks very muchly ladies, but let's be honest now i only had 13 nsd's because i had no money to spend :rotfl::rotfl::rotfl:

And Today is the day I have been looking forward to since december 31st :rotfl:.........yup it's pay day :j:j:j:j:j:j:j:j:T

Now i am faced with the decision of whether or not I need to go to Dunelm Mill and look for the table cloth I [STRIKE]want[/STRIKE] NEED :think::think::think: and i'm thinking I definitely need to get out the house. I definitely miss shopping. So therefore I am going to go and have a look :rotfl:I may or may not buy anything but ya know how it is on payday, money burning hole in pocket and that sorta thing :wall::whistle:

So will be back later to report spends (or not ..maybe :rotfl:)

dfw

PinotGrigio41

I was planning a Dunelm Mill trip today to look for the cushion I really NEED also ! The sleety snow and too much work to do has put me off ! You never know we could have been standing next to each other in the queue and we never would have know it !!:rotfl:

debtfreewannabe321

Haha! Well I went the snow didn't put me off :rotfl:

However before I even got there I ended up down the garage with my blooming car again! One tyre had 2 punctures in it :mad: I replaced it rather than had it fixed as it's happened twice now in a month and to fix the punctures is £20+ so rather than keep doing that I bought a new one for £140.40 :(. Not impressed. This means no money to the emergency fund again nor to the car maintenance fund because i need to to cover the tyre. Pfffffft.

So went Dunelm, decided i didn't like ANY of the table cloths in the packs (cheap ones ) and chose one off a roll, at £9.99 a metre wasn't exactly cheap (oops) But was my little treat for the month. Also needed a potato masher so shopping in there came to £29! :eek:

Then i went to asda next door where they were in the middle of a fire alarm panic :eek: we spent £15 on a clock that needed replacing & a few other bits!

Then thought oh blow it, i've already gone over budget a pizza hut won't hurt .............£15 later.......

So todays total spends are about : £200.........Oh yes and £25 petrol....£225 total :eek::eek:

DH will be ever so impressed with me.

PinotGrigio41

Oh no not the blasted car again ?Poor you, never rains but it pours eh ? Mine has a warning light popped up today, but I have decided to ignore it for a couple of days at least. They have a tendancy to disappear after a while on my car !

I'm sure DH will be so pleased to see you he wont give the amount of money you have spent today a second thought , and anyway tyres, mashers and tablecloths are all essential items, its justthe pizza that may need explaining away !!:eek:

debtfreewannabe321

Evening :beer:

Well this afternoon I got back onto the de-cluttering & tidy up mission :j


So today's job was to:

• Put table cloth on and spend 10 mins admiring it with friend
• Tidy living room of toys- put them back in kids room (minus the ones that don't fit up there)
• Move all the furniture round, cos i was bored with it the way it was
• Dust
• Hoover
• 1 wash in machine
• wsah up
• burn already cooked stew to bottom of pan when re-heating :silenced::whistle:
• Then bribe kids into eating lovely burnt stew with jelly for pudding :rotfl:

Have ordered 50 mars bars, 50 snickers bars for £20. I had money on @mazon already so i only paid £16 :T if my maths is correct that is 16p a bar lots of lovely stock for my shop & profit for the 2nd purse

Need to go onto bank tonight have a re-shuffle of money ...although may just do that tomorrow actually once the majority of bills are paid.

Need to finalise the te$co basket as that is due for delivery tomorrow afternoon and then pop to ald* tomorrow also as voucher runs out on Thursday for my £5 off!

Anyway off to catch up on everyone's diaries and then put kids to bed (they are being very good, eating jelly and watching a disney film )

debtfreewannabe321

PinotGrigio41 wrote: »

Oh no not the blasted car again ?Poor you, never rains but it pours eh ? Mine has a warning light popped up today, but I have decided to ignore it for a couple of days at least. They have a tendancy to disappear after a while on my car !

I'm sure DH will be so pleased to see you he wont give the amount of money you have spent today a second thought , and anyway tyres, mashers and tablecloths are all essential items, its justthe pizza that may need explaining away !!:eek:

hmmmmmmmmmmm, :think:

Well the kids do need feeding, and as i was at the garage so long i was running late for getting back for lunch. That's my excuse & i'm sticking to it

And-

me+cars=disaster

Fact.:(

PinotGrigio41

debtfreewannabe321 wrote: »

hmmmmmmmmmmm, :think:

Well the kids do need feeding, and as i was at the garage so long i was running late for getting back for lunch. That's my excuse & i'm sticking to it

And-

me+cars=disaster

Fact.:(

Very very plausible reasons if you ask me !:rotfl:

debtfreewannabe321

debtfreewannabe321 wrote: »

CHAPTER II

I'd like to set myself some new goals for 2012

Financial

• Pay off half my debt by christmas 2012 By tomorrow will have paid off £1004
• Have some sort of emergency fund - with money STILL in there by 2013 :rotfl:-failing miserably. Car has eaten this ALL up both Jan & feb
• To pay for christmas in cash again Already started on this :T
• Stick to budget -If it weren't for the car I would actually have had extra in the bank this month & for Feb (grrrrr)
• Stop impulse spending when bored (ummmmm...could do a little better on this one )

Health

• To keep my depression in check. This means going to the dr's for reviews regularly Going well so far on a lower dosage too :T
• lose some weight, 1 stone would be nice! 3lb off so far :j would like another 3-4lb in feb :T
• exercise regularly even if just a walk with the kids. Fresh air always puts me in a better mood! have been doing when i can, and do feel much better for it
• Carry on with my meditation (really makes me calmer i think) I do most nights! I sometimes fall asleep i am so relaxed though, oops lol
• Complete a 7 day detox!- I have the book, I have the Juicer! Ran out of money for the fruit & veg :rotfl: maybe I can rope DH into doing this with me!

Personal Goals

• To complete my reiki level 1 - doing in march :j

to make sure i see at least one friend a week. I have a habit of locking myself in the house away from everyone well most weeks i have
Make time to look after myself. Whether it be a nice bath, reading a book, watching my t.v programme in peace -I sometimes do this! Most times though I neglect to look after myself!!! oops again!

House

• To finish de-cluttering -done the kitchen, started living room. STill have under the stairs cupboard to do, one welsh dresser & cupboard !

Do the garage -may delegate this
Empty the shed out and get rid of things we don't need/use waiting for weather to get better as kids follow me out in cold otherwise!
Apply for larger house (no harm in trying huh) not done yet

Family

• To make sure DS1 is happy, settled and is improving on his mood well he's on st john's wort, some days are good, others bad.
• To get DD into a suitable school for september (where has time gone!) Have applied, find out in April....
• To get DS2 down for a nursery to start in September will just go to the one dd is at in summer term i think they usually have spaces!
• To make time with hubby. perhaps actually go out together this year for a meal :eek: Considering i haven't seen him all month, i can safely say i still have this one to do :rotfl:

February's update Will update again at end of next month......I may even add a few more too! :T

Also in Jan:

• 13 NSD's
• grocery was in under £200 :j............the rest of the money was used to stock pile but have added this to grocery spends for year as it will even out and will be used eventually :rotfl:

banwa

You're doing so well DFW.:T

Just letting you know I haven't forgotten about the energy monitor but probably won't post until next Friday. Hope that's ok

debtfreewannabe321

banwa wrote: »

You're doing so well DFW.:T

Just letting you know I haven't forgotten about the energy monitor but probably won't post until next Friday. Hope that's ok

:j thank you banwa