Fresh start for 2011

Skint_but_Optimistic

Its lovely to know what you owe because it makes what you pay matter!!

its all heading in the right direction!

mummychicken

It is another hot day :cool: we have walked the dog, bought the DC a new DVD to keep them quiet while i sleep after a night shift !!

Next year i am going to start a Summer holiday pot, try and put by £5 a week at least, then i will have cash for the DC for their 6 week summer hols for spending on whatever they fancy Good plan but need to clear this years debt first !!

abba1772

i think the summer holiday tin is a fantastic idea hun x

Skint_but_Optimistic

I write savings up as debts - like for Christmas etc, as we have to spend on them so I try and tackle them now, pay them to credit cards and have them sitting on there.

same with holiday fund. Saves me the interest in the long run.

We use the credit cards , and reduce the balance month on month. Its working for us but it requires discipline and spreadsheets!

mummychicken

Rainy here today, so took DC to cinema, used Tesco vouchers for the tickets and bught the popcorn & juice from Morrisons beforehand so a cheap afternoons entertainment

Received my bank balance by text this morning and was shocked at how low my balance is Checked it on line and have been using my debit card too much. I must go back to withdrawing cash each week and only using that, i lose track to easily when i use my debit card. Also need to go back to writing my spending diary.

Not overdrawn though, but not comfortably enough in the black!! I most certainly spend more with the DC being off school.

Skint_but_Optimistic

Kids are expensive, but well done on having your day out more cheaply! At the end of the day its all about balance isnt it?

mummychicken

YUK!!! Have a hangover today, too many bottles of wine with DH last night ! Really enjoyed our evening, sat in the garden catching up with the gossip but the wine kept flowing and i am suffering today, if i take any more pills for my dull head i will rattle

abba1772

oh dear hope the hangover passes soon xxx

mummychicken

Feel better thanks to a hot bubbly bath, 4 Paracetomol & 2 Brufen (not at same time!) i am too old for hangovers, it is too much when you have 3 noisy DC running around the house !

Skint_but_Optimistic

haha! Glad you are feeling better, love the flowing wine, while it rained yesterday at 3pm I decided I would start, and was steady away until 11pm....

i was slightly less than sparkly first thing, I admit :-)