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Finally seeing the right track getting closer
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Hey Muffy
It seems like we were both going through a bit of a downer over the weekendI hope you feel better, I know I do. It made me realise that I am getting far too cocky about this MSE stuff and I have to get a firmer grip again. At least we can see where it went wrong, where as in the past, would we even have noticed??
No point in beating ourselves up, we just have to keep taking one day at a time, and we'll get there - together :beer:
Have a great day hun x xFree by FiftyDebt of the Moment -August NSD Challenge 14/150 -
freebyfifty wrote: »Hey Muffy
It seems like we were both going through a bit of a downer over the weekendI hope you feel better, I know I do. It made me realise that I am getting far too cocky about this MSE stuff and I have to get a firmer grip again. At least we can see where it went wrong, where as in the past, would we even have noticed??
No point in beating ourselves up, we just have to keep taking one day at a time, and we'll get there - together :beer:
Have a great day hun x x
Thank you so much for this message. You're completely right too and I'm so pleased to read you're feeling better now too.
I wouldn't have noticed, in fact I would have deliberately and consciously buried my head until I felt it safe to come out again. The good thing is I've not been tempted back to spending and hiding so that's a major positive
One day at a time is the best advice, and getting there together was a lovely statement. Thank you. :cheesy:0 -
debtfree2015 wrote: »Hope you feel better soon muffin, the low days do come unfortunately, but it makes you realise that the good days outweigh the bad, as the bad days are getting further and further apart on our journeys.
Hope tomorrow is better for you xx
Thank you debtfree. I do feel a bit better today and it's so true that the good days outweigh the bad and get further apart. I'd never thought of it like that. Thank you. x0 -
When I got home last night my £10 Tesco giftcard had arrived from the survey site! That was exciting for me as I thought it had got lost in the post. They do warn that it takes 28 days but I'm so impatient!
I've had my shop and scan notification emails too and am up to $7.20 on my mobile phone polls. It's all building up quite nicely. Another of my survey sites has £15 ready to withdraw but I need my paypal account to link to a different bank account so should sort that before requesting it. Hmm, where's my list!
I didn't complete my food diary last night. There's so much to it! I'll finish that tonight and get it sent and out the way. This is the first one I've done so I'm quite intrigued about how it all works out. I think I get sent vouchers for these rather than accummulating points.
I should have mostly NSD's for the rest of this week. Other than food shopping and a couple of toiletries I don't really need much. I can probably get all of that out of the weekend budget days.
Right, bank check now and then I'd best do some work.0 -
Hellooo! I've found your diary, read from start to present day and subscribed!
We have a few things in common, like wanting to lose weight and repay our mortgages, so I shall continue to read with interest.
I must admit though that I get homesick when I read about London even though I only lived there for five years and that was a long time ago!We are treating ourselves to a few London days and a show soon though so I will get over it and go on enjoying yours and Londongirl's diaries.
Miggy
MEMBER OF MIKE'S MOB!
Every Penny a Prisoner
This article is about coffeehouse bartenders. For lawyers, see Barrister. (Wikipedia)0 -
P.S. I am at the stage of small, irregular but very satisfying mortgage overpayments - and really before you know it you will have an extra £150 a month to put towards yours which will make a huge difference, and every bit you can put to the cc payments brings that closer.Miggy
MEMBER OF MIKE'S MOB!
Every Penny a Prisoner
This article is about coffeehouse bartenders. For lawyers, see Barrister. (Wikipedia)0 -
Hello and welcome Miggy. Thank you for trawling through my diary and subscribing. I'll seek your diary out and subscribe too, especially as we have things in common. I often see your lovely comments on some of the diaries I read.0
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Sounds great! Well done on building up all the vouchers that's really impressive, amazing where you can earn bits of cash that you wouldn't think of before MSE!
You're doing really well, so try not to be down as per your post about the weekend. You're still in budget and getting the CC down so its all in the right direction!Santander 0% £1,529.94
Sainsbury's 0% £4,371.31
Total 0% £5,901.25
AIM: Pay off debt & simultaneously save for deposit to buy a house by Oct 2020.
Mar Challenge: Stay within groceries & eating out budget.0 -
LondonGirl252 wrote: »Sounds great! Well done on building up all the vouchers that's really impressive, amazing where you can earn bits of cash that you wouldn't think of before MSE!
You're doing really well, so try not to be down as per your post about the weekend. You're still in budget and getting the CC down so its all in the right direction!
Thanks LG. I get really excited when the vouchers arrive. They're such a boost.0 -
I got into work late today so haven't been able to check my bank balance situation as I have someone who can see my screen who arrived the same time as I did this morning (usually I get here an hour earlier). But I'm sure it's absolutely fine.
I've had a slight setback as the voucher I was given for my birthday weekend has actually fallen through a little for that particular weekend. I was double booked on a room which they've now retracted for the first night of my stay, meaning that I have to pay out for a weekend away that I hadn't budgeted for. I've been looking forward to a birthday trip for too long to cancel, but there is a voice inside me that's saying I should cancel. I think I'll shove some chocolate in it's face to shut it up though as I'm not poor and a birthday treat shouldn't be ruined by fretting!
I seem to have this mindset that I can't afford things, which is encouraged by how some of my friends treat me. But that isn't the case. I can pay all of my bills every month, I've recently become organised enough to make sure this is done, but I now just choose to spend my money on future financial freedom happening faster than expected. Something I possibly lose sight of at times when I'm not flashing a credit card to keep up with everyone else.
I had put £100 spends away for my initial birthday trip away as only breakfast was included, so would have needed to buy lunch and dinner twice. The new booking is £150 for the 2 nights but includes breakfast and dinner. I've been there before so can stuff my face for breakfast which just leaves a snack to get for lunch. Then a lovely evening meal is included. So I generally don't spend much there and would be able to take snacks with me for the lunches, so I shouldn't NEED to spend anything while there.
So, I'll use the £100 and yesterday's NSD. Today can also be an NSD so that's just 3 more NSD's to cover the full cost. Then any more NSD's I can muster will be used for any spending money I take. We drive into town sometimes when we're there so it would be nice to have money in my purse in case I do want to buy anything. Otherwise I'll just suggest we stay in the hotel/spa and use the free facilities and completely relax but at the moment I don't think I'll mind either way. I'm back on track and I completely realise that when most people I know go out and have a little spendy day the credit card gets hit. That's the reverse of what I want to achieve so although I had a little low feeling this weekend, I think that was a sort of mourning process of my old spendy self and I have more clarity again and know that it isn't that I can't afford things, it's that I don't want to as I have other priorities.
Or does that sound smug or cocky?
On the plus side, I still have the prepaid weekend away to book and look forward to.
So all feels pretty good today.
I hope anyone reading this is also having a really positive time.0
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