Can we live halved Income

ani*fan

Well done on clearing those council tax arrears!!
:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T

moneywaster-nomore

OMG, dare I begin to think, things are looking up.

POST JUST ARRIVED, my rent statement...........I am 1 week in credit, I have been paying too much on my DD :j. But will just keep it as it is, but handy to know, if i get in a tight spot.

NSDs today and tomorrow...........I never never had these. Longest run I have had is 4.

Going to my sisters, this morning as its her birthday, made her present ! and used recycled present bag, that has not been written on. Also had nice pink tissue paper. Did buy something I know she has been looking for, cost £1.99, bought that 3 weeks ago. Usually I would have ran out yesterday and spent £20-30 on a present. I have worked out the cost of this present £4.00sh :money:

ani*fan

Well done on the present! Doesn't it help so much when we're organised? I can't count the many, many times I ended up rushing out at the last minute to buy a present and spending way too much.

You're really inspiring!

adrisco

Also want to say Well Done! on the present. I have another run of birthdays May - July - DD, DS2, D in-law, DGD, OH's sister, my closest friend, and DS3's girlfriend. Will concentrate efforts on NOT spending too much. Outgoings are fast overtaking income and savings rapidly diminishing. Panic is setting in!

DawnW

Congratulations on clearing the CT arrears :j

Hope your sis loves her present x

moneywaster-nomore

ani*fan wrote: »

Well done on the present! Doesn't it help so much when we're organized? I can't count the many, many times I ended up rushing out at the last minute to buy a present and spending way too much.

You're really inspiring!

Ani*fan Being organized is a definite money saver. My procrastination has cost me £ssss too and not only that but problems as in having to rush at the last minute and stress me to bits. I am working on the procrastination, its not easy but just keep reminding myself how good it make me feel, when sorted ahead of time.

My sister loved her present and genuinely looked as if she loved it too :j.

Adrisco, another crop of birthdays for you, is there anyway you can cut the cost of any of them ?. No more birthdays for me this month and only 1 in May.

Thank You all for my congratulation of my Council Tax clearance. Such a relief, as RFTA says, just keep chipping away. Does not feel like much of a change month to month but when one debt is gone, its a fabulous feeling :j.

Forgot to say along with my birthday present I collect £20. That is what I opened my Credit Union account with,also emptied my 2s n 1s jar, there was £6 odd in it. My jar is one of those that counts up as you go. Also what I have found makes a little difference is. Using my 2s n 1s by, If my shopping is say £3.52 and have to pay with a note, I give the note and the 2p, that way used my 2p and don't get as much change. Is that sort of rounding down ?

moneywaster-nomore

Ani*fan Your signature has inspired me. I am quite sure, I too can be debt free for christmas 2012, if I dig in hard :beer:

moneywaster-nomore

NSDs Saturday and Sunday, £5.23 spent today. NSDs planned for Tuesday and Wednesday

I downloaded a fab app for my phone, but just really getting into it now. I have a running totals of my spends and balances now. Tracks all my bank accounts and can also set up budgets for different categories and as you spend in those categories, it counts them down.......love it. Also put in a purse account. Now no excuse not to know exactly where I am at any given moment. :money:

Also got a gift app, put in everyone last night. As I am murder at Christmas for, doubly up gifts, forgetting what I had bought. Noe I can assign to the person, soon as I buy it. :money:

I never buy apps only use free ones :money:

brizzledfw

Well done MW-NM..this is fab fab news about the presents, CT arrears, rent in hand etc etc. What a great week its been

The apps are great too..I agree, NSDs and keeping track of everything is a key part of getting to be DF

Brizzle

moneywaster-nomore

Aerobics class done today :j

Dealing with my procrastination :T

Three things on my to do list, don't want to put myself off....lol. I will be happy if I get these three things done.

1. clean front windows
2. go round to mams and plant her bulbs (they are no sprouting in the packets)
3. Wash all my paintwork in sitting room, ready to gloss tomorrow :dance:.

Managed my NSD Mondays and Tuesday and think I can manage another today :j.