This should be easy! (I think!)

Brighthopefortomorrow

Not the whole getting debt free thing, just the first step I've got in mind.

You see, I've just been working out my direct debits which are left to go out this month and if I can spend no more than £5 a day until my next payday then I won't have added to my debt this month so the money that I'll have paid off them will have actually come off them, which will be a great start won't it? and it'll be easy to limit my spending to that won't it? I mean the freezers full, the pantry has loads in though the fridge is a bit low, but £5 a day is plenty for a bit of milk and bread isn't it and I'm not going to really need anything else so no problem at all, right?

As you might guess from the slightly hysterical tone I am not convincing myself, can anybody help me be convinced please?, I would like not to add to my debt for the rest of this month but I think perhaps I am feeling scared of losing out by cutting down, even though I know just spending money isn't really what makes you feel good, does that sound silly?

A bit of hand holding would be really appreciated right now, thank you.

Growurown

Aah bright hope this money stuff sucks doesn't it? Five pounds a day is plenty for bread and milk and such like. Be inventive. Look at what you have in the freezer and pantry and see how you can use it. Plenty of recipe ideas on the internet.

Spending money can be fun and make us feel good but it isn't what is important in life. The important things are our families and friends and our health.

Brighthopefortomorrow

Thank you Growurown, I do Know all this in my head, I guess it just hasn't got to my heart so I'm actually feeling it yet, if you see what I mean, thinking about myself I think it might be best if I stop thinking about it and just try to do it, I am a terrible worrier can talk myself out of anything, but when I actually try things they often work out quite well or at least pretty close, I'm just my own worst enemy really.

theoretica

£5 a day= £150 a month = £1800 a year. I personally find it more use to divide my money up differently as my spending is not even over every day.

For instance £10 a week on milk, bread and trivia and £100 a month on groceries and living leaves £80 for Xmas or one off and adds up to the same £1800 a year. Or £5 a week + £100 a month + £340 big spend.

Growurown

I used to worry a lot too but age has worn me down!

I began to realise that the things that used to get to me just weren't important. Some time ago a work colleague passed away in her early forties leaving two young children. When things like this happen it puts life into perspective and you realise that having the latest of whatever isn't really that important.

Brighthopefortomorrow

theoretica wrote: »

£5 a day= £150 a month = £1800 a year. I personally find it more use to divide my money up differently as my spending is not even over every day.

For instance £10 a week on milk, bread and trivia and £100 a month on groceries and living leaves £80 for Xmas or one off and adds up to the same £1800 a year. Or £5 a week + £100 a month + £340 big spend.

Thanks, I'll try to split it into more of a budget for next month, so much shopping, so much this, so much that etc. but I think at the moment just need to keep within my limit until payday and £5 a day seemed the easiest way to work that out, can then start trying to tackle the £10,000 debt I have (I did say this was the first step:rotfl:.)

That's better I'm laughing, always do better when I laugh.

Brighthopefortomorrow

Growurown wrote: »

I used to worry a lot too but age has worn me down!

I began to realise that the things that used to get to me just weren't important. Some time ago a work colleague passed away in her early forties leaving two young children. When things like this happen it puts life into perspective and you realise that having the latest of whatever isn't really that important.

It's not really having the lastest this, that, the other that I worry about, its more I worry about failing so never try anything, for instance I do a bit of crafts as a hobby and somebody I know wants to try to get more people into a community cafe that she is in charge of and said would I come and sell a few pieces at a mini craft fair she is going to try (really mini she only has room for five tables), she doesn't want any rent because she doesn't know that it will get any customers its just an idea she has, and I nearly said no because I was worrying "but would anybody want to buy my stuff" anyway common sense managed to squeeze in there so I am doing it (fortnights time), but how daft to have hesitated in the first place I mean I've nothing to lose have I?

Primrose2012

Baby steps! You can, and you will do it!

Brighthopefortomorrow

My clock says it an hour later then the one on here does, so its time to get a drink and go to bed, will look in tomorrow and let you know how much I've spent. Thankyou to the two of you who have replied, I think I've calmed down a bit now.

Sorry crossposted thank you to the three of you.

Growurown

Brighthopefortomorrow wrote: »

It's not really having the lastest this, that, the other that I worry about, its more I worry about failing so never try anything, for instance I do a bit of crafts as a hobby and somebody I know wants to try to get more people into a community cafe that she is in charge of and said would I come and sell a few pieces at a mini craft fair she is going to try (really mini she only has room for five tables), she doesn't want any rent because she doesn't know that it will get any customers its just an idea she has, and I nearly said no because I was worrying "but would anybody want to buy my stuff" anyway common sense managed to squeeze in there so I am doing it (fortnights time), but how daft to have hesitated in the first place I mean I've nothing to lose have I?

Yes go for it. Your friend wouldn't have asked you if she didn't like the things you make. You have to take a bit of a risk sometimes and open yourself up to new experiences otherwise you wouldn't do anything.

mum2one

just remember that baby steps soon become a big stride.

As your on £5 a day budget, use this to your afdvantage, grab a note book and put in it everything you spend, or even glue in your receipt it give you an idea of how much milk, bread etc you go through and more importantly the prices, so next month you could split the shopping
Freezer-
Store cupboards-
Smellies -

There going to be the big shops which cover the essential items above then the top up shops - fridge - it could give you an idea where you could save. xx