My Diary to save a little,live a little and pay off a lot!

ButterflyBee

Today I feel a little "depressed" probably withdrawal symptoms for not having the thrill of shopping this weekend but at least I am no further in debt. I do need a new tap for the Kitchen sink but honestly this would be a last resort at the moment.

Will ask neighbor tonight to have a look and see if it is just the washer that needs to be replaced!

ButterflyBee

I can not express how delighted I am.

I have ordered my tap on ebay, only £19.99 and when went to pay I noticed that I had £15.89 owing to me from 2010. OMG! :j for joy! I can not describe my delight.

And.....
To top that all off, a lady from work has offered the kind services of her husband to fit it as well all for the cost of a cup of tea. :A Perhaps I'll get DD2 to bake one of her fabulous award winning Victoria sponge cakes!

ButterflyBee

Dear Diary,

I am feeling rather reckless today.
DS1 AND DS2 have mentioned that they need new basic linen and pillows and I am "agonising" over buying or not. I can easily pop it on the Argos card but then once again my debt is not being paid off but increasing even if it is only by £32.00!

Ugh!:mad: even the smallest decisions are agony!!!

Other than that I will pat myself on the back for paying off £791.26 this month towards debt.:T

ButterflyBee

Had a bit of a stumble over the weekend and things did not quite go to plan.

But never mind, back on track again and will have to be very careful and stay on the straight an narrow for the rest of the week. Going to try and stick to £15.00 a week until pay day and see how far I get.

ButterflyBee

Well last weeks plan went out the window due to an unexpected visit from a friend I was so pleased to see. I actually could not believe that he landed on my doorstep.

I will now just have to live and cope on the little that is left and see how we get on. But debt is just not an option.

ButterflyBee

What a strange week!
One big emotional speed wagon and trying very hard to keep grasp of things, the gorgeous MrC.xoxo has once again gone cold on me.:( Ugh! Why can't you men just make up your minds?

I am almost 100% ready to go and look at this lovely car that would put a huge smile on my face but terrified it may lead me to do something I may regret!

I am still on budget and target for 2013 and buying the shiny lovely car I so desperately want which is a huge case of retail therapy could easily go wrong.
Am I just trying to take control of own decisions? (NO!NO!NO!) :eek::eek:(YES!YES!YES!)

ButterflyBee

I decided to start today on a high!
I went for a short run and the sound of Jazz in my ear.

Work approached me with a project which could potentially earn a nice little reward and I got home to a letter from HBSC:rotfl: with £178 goodwill reward! :T

ButterflyBee

Well, lots has happened since my last post!
The Lovely MrC.xoxo is a flash from the past and I have moved on to my shiny new, reliable little convertible!

project completed and bonus which was rather huge has been spent on all sorts of little things! What on I don't know but what is done is done!....yes, dear Diary I was silly and reckless!

At least summer is here and the sun is out! :A

ButterflyBee

I have cutup all the cr. cards and bank cards and it's cash budget only! from now.

Have to make a big changes NOW!
May2013
MrB= £6720.00
MrN= £350.00
MrC= £663.00
MrA= £180.00
total=£7913.00

ButterflyBee

Its been 3 years, 3 jobs, 3 illnesses and its been tough!:(:cry:

Now to return.....re-budget and re-focus, this time to get control back and get debt free.

The good thing is I have learnt how to do an annual forecast. I have budgeted up to the day I am debt free (22 months to be exact) and I must do this to secure a repayment mortgage in June 2018 without stress and upset.

The plan and budget categories are
Debt August 16 ~ £12971
Savings Aug 16 ~ £32.00
Mortgage Aug16 ~ £183093

DEBT FREE ~ 25 June 2018
Clear Credit Cards First and personal loans as early as possible
Natwest ~ Sept2016
Capital1 ~ June2017
Argos~ Sept2016
VERY ~ April2017
HALIFAX Loan1 ~ March2018
HALIFAX Loan2 ~ June2018