Coppers dfw diary

coppers

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omits

Stop going shopping. After 6 months you will have broken the conditioning programmed into you by the media, ads, salesmen, etc. Seeing your debts coming down will really feel good.

You don't need a diary get a budget system e.g.: http://www.vertex42.com/Files/download/money-manager.html

coppers

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kerri_dfw

Hi Coppers,

Hurray for a no spend day, congratulations. There are lots of useful hints and tips for cutting costs on the Old Style thread if you're interested in meal planning etc. Well done a nice shiny new diary, look forward to reading your posts.

Kerri

coppers

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coppers

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coppers

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Itsadogslife_2

I always thought as I had the bills covered that we must be balancing, but how wrong I was. When I budget in everything including the years holidays, car servicing, child's ballet lessons, birthday presents, christmas presents etc, I was completely gobsmacked to learn that we overspend per month by at least £400.00 per month more than we earn :eek: To write everything down in the only way to get a true and accurate figure. What normally happens is we get by each month and then the car needs an MOT, car tax and a service and we don't have the £500.00 for it and so the card comes out. In an ideal world, I would be saving all my yearly outgoings every month, but with a £400 defecit we have to cross that bridge when we get to it (and frantically ebay!)

kerri_dfw

Hi Coppers,
Well done on going through your budget, I found that the toughest part of all.
x

coppers

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coppers

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