Fed up of seeing red

billinghamfan

I've completed my spending diary plus a current account balance linked into my spending diary.

But all I can see is lots of red.

It's just depressing.

freshstart11

Is this after cut backs etc? It is horrid isnt it? x x

billinghamfan

I can't back anymore.

freshstart11

aww dont be I know its hard - Im sat here looking at my SOA trying to see if I can cut my food back anymore (60p/m for 1 person atm) x

HeadAboveWater

Don't be put off! So long as your spending/payments are always less than your outgoings you will always make progress, even if it is slow. Chin up

billinghamfan

This month due to my exam fees and car service they are more.

HeadAboveWater

This month is an exception not the rule.

Just try to cut back on a few things next month to make up for it if you can.

billinghamfan

I'm just so annoyed with myself for getting into this state.

I'm on the highest wage I've ever been on but due to never saving and not dropping my spending during the gloom year (crap job and even craper pay) I can't enjoy it.

HeadAboveWater

But you will enjoy it soon! There's always a light at the end of the tunnel

My 'saving' used to be transferring £50 into another bank account when I got paid, then spending it before the month was up :rotfl:

I'm sure you've done all the spending diaries/SOA's etc by now?

billinghamfan

Sorry just a crap day.

Also the thought that I'm going to be 38 before I can think about a mortgage is rubbish too.

HeadAboveWater

We all have crap days. Wallow all you like today. But tomorrow is a new day and I want to see you smiling

I'm 31 and a mortgage always has been, and always will be, completely out of the question for me! Thankfully now I've settled down with my partner and he is the one who has to pay the mortgage. I'm just paying rent still!!