Time to act my age and not my shoe size

Moos_mum_2

Just feel the need to post :rotfl: it's amazing how addictive and motivating these debt free diaries can become !

I'm making progress with sorting out the finances although I have not made any big or substantial payments to the debt just yet , things however are going to plan .

Although have had some set backs such as less CSA money this month, walking out of my job and not being paid , living off of tax credits alone for the last few weeks , not being able to budget for the next few weeks as all my sources of income are about to change. I have made some positive changes

I've budgeted for all the bills and am not short for any :T
I've not borrowed from the bank of mum and dad :T
I've reduced my food bill by £30 per week for the last 2 weeks :T
Have transferred all direct debits to one account :T
Have transferred all income payments to other account :T
Started a coin jar :T
Emptied purse daily into coin jar :T
Saved £10 into emergency fund just by transferring odd amounts :T
Set up a savings plan linked to savings account for Moo's birthday :T
Did the 10% asd* thingy when would have previously not bothered :T
Got £7 asd* vouchers back from. 10% thingy :T
Cancelled insurances and love film that are not needed :T
Contacted tax credits to change employment details :T

I just need to change housing benefit details but waiting for newcontrct to arrive I did phone company and they said I was on there system already ( likely will get paid at end of month :T:T) and contract on it's way.

Achieved a lot considering the circumstances hopefully fingers crossed that I've done good enough ground work these last few weeks so that when I start getting a full months wage It will all become a little bit easier and clearer

Might start a spending diary so I can see what goes where as money is still disappearing

I want to know my DFD but don't know how to do it is there a tool to use ?

scubaangel

Well done you are getting organised, the best tool I know of is whatsthecost (google it) you need to know all your APR's and balances and the monthly payments, lets you see how much difference it makes if you snowball payments too.

Hovel_lady

Well done you :T:T:T:T:T:T

Moos_mum_2

Up early today !

Start new job today. Strangely nervous and have butterflies in my stomach :rotfl: silly really as I know this job inside out .

I doubt today will be very MSE , I'm going to be social and eat with the others so won't be taking lunch from home this week but plan to next week after I have sussed out the set up

Moo is going to mums for a few days so I have got to pack her clothes in a minute and get her ready

Want to do a quick tidy round before I leave so I can come home to a tidy home tonight

Right , must get going and make myself look presentable

Have a good day everyone

Hovel_lady

Hope everything goes well today xx

Moos_mum_2

1st day over and done with not as bad as I imagined

Only problem working in a shop is that I have seen loads of things i want to buy

I need a magic unexpected money deposit to hit my account overnight so I can buy a new outfit to wear tomorrow evening for my night on the tiles not gonna happen though

Hope you are all well x

Hovel_lady

Glad it went well today. First day is always a bit scary.
Hope the magic money turns up and please send a bit of the magic this way if it does.
xx

Lemon_Tree

if you get some magic money please can you send the magic money fairy in this direction plese?

Moos_mum_2

Will pass on your requests hovel lady and lemon tree to the magic money fairy if she pays me a visit.

Moo has told me I need to put a note under my pillow

Moo also said that if money fairy doesn't come tonight that she will help to pull out my teeth "cos the tooth fairy is loaded mum and she might pay A bit more cos your teeth are old and antique" :rotfl::rotfl::rotfl:

Oh to be 8 again

Lemon_Tree

lol kids come out with the funniest things don't they