Here I am in debt again. 2nd time lucky

StressedSteph

Thanks for your kind words Rising & LurvlyLoz.

Its so nice being able to come on here and offload without judgement .

Rising, thats such a good idea about putting your shopping on the conveyor how you would like it packed and then have a couple of big bags sat open and ready in the trolley. I will remember that.

Its funny, as I was filling my bags I wondered why there was'nt much room :rotfl:. Oooops.

Still not heard from the guy regarding work for hubby in the new year. Grrrrrrr. Why does life do this.....

Hubby has gone down to his weekly skittles match tonight with £10, bless. Have told him that if the job does'nt come good for January then he will have to quit skittles for a while. I am not counting pennies in L1dl for him to happily blow money at the pub once a week.:(

So, got a quiet night on my own tonight. Kids are in bed, hopefully asleep. Going to have a little look around the MSE website and then watch some tv.

Ps. I did well earlier - I read on here someone raving about a guy called Dave Ramsey, he has a book out about sorting your finances. My gut reaction was to fly to the Amaz0n website and look into buying the book :mad::mad:.
Thankfully my new MSE brain kicked in and told my wasteful old self that, I can get all my money help on this website for FREE!!. I don't need to waste money on a book about saving money :). I closed down the website and felt quite proud of myself for resisting a temptation xx

Good night all xxx

StressedSteph

Morning diary and anyone reading,

Wow its a cold morning today....Brrrrrrrrr.

Got to tidy the house today, it suddenly looks like a disaster zone.

I paid a few more misc bills yesterday:-

[STRIKE]
Next £242 PAID
Littlewoods £157 PAID
Simply Yours £31.79 PAID
Bradfords £28.97 PAID
[/STRIKE]
and mortgage went out today[STRIKE] £701.34[/STRIKE]

Am pretty much broke now until Monday wages come in, but it feels good to get a few more dealt with. Only three more to pay before end of December.

Council Tax £378
Darch Oil £338.55
BT £91.80

Should be able to pay those with the 24 Dec wages.

Should have a few NSD's in front of me. Children have a school Christmas disco Friday night but have budgeted for their £1 each and some sweetie money.

I did well yesterday. I realised that its a friends birthday this Friday and I had'nt budgeted for a present. (I have to buy for her this year as she bought for me, but will ask her to scrap pressies after this year).
I rummaged around in my jewellery draw and found an unworn bracelet with the tag on, so I put it in a little bag and I will re-gift that to her. Am so relieved as that would have cost me at least £10 out of my budget, which may have meant a bill not being paid .

Not much on today, Cleaning and this afternoon Children have their Nativity which I will go and watch.

Hope you all have a warm NSD day xxx

StressedSteph

I re-did my Snowball calculator last night. I had to re-jig it because L1ttlewoods are asking for so much money per month, that I am going to have to pay them off first before the overdraft just to keep them off my back.

I have added 5 Smily faces, so that I can strike off each one until L1ttlewoods bill has gone. Will be paying NEXT and budgeting hard at the same time, so I am hoping those debts will go down at the same time.

By May/June I should be ready to tackle the two biggies that I never seem to be able to get rid off the VIRG1N & Tesc0 Credit Cards.

I WILL GET THERE......

mummytogirls

Hi Steph,

Your diary drew me in and ive had a quick catch up!!

I havent read all the pages so this may have already been covered, but re the overdraft could you ask the bank to reduce to it by say £100 a month? This is the only way we managed to get out of ours!!

I would feel sad over the panto too!! But at least you have saved the money, but I think you already know that!!

Chin up, you will get there xx

StressedSteph

mummytogirls wrote: »

Hi Steph,

Your diary drew me in and ive had a quick catch up!!

I havent read all the pages so this may have already been covered, but re the overdraft could you ask the bank to reduce to it by say £100 a month? This is the only way we managed to get out of ours!!

I would feel sad over the panto too!! But at least you have saved the money, but I think you already know that!!

Chin up, you will get there xx

Hi Mummytogirls,

Thanks for looking at my diary.

I have a plan . As its going to be a while before I can get any Emergency savings up together. What I planned to do was get out of my overdraft as a priority but then leave it there, while I pay off my other debts, so that I have a slight safety net in case my husbands work gets slow (Builder). Then once my other debts are greatly reduced I will lower my OD to around £300.

I am too scared to cancel to overdraft while we are still heavily in debt as we then have no safety net if we lose hubbys income.

Of course, this all hangs on me staying strong and keeping posting on here, and no going back into the overdraft for silly reasons. Feeling pretty strong about getting out of debt at the moment, so fingers crossed.

Hope all is going well with you. Do you have a diary?.

xx

StressedSteph

I am finding the trouble with no spending any money and calculating everything down to the last penny, is that you never have any change in your pocket.

My purse has been virtually empty for the last two weeks.

Also I started the Sealed Pot challenge, so I have put all my change I had saved into these sealed tins. Now kids have a Tuck shop at school tomorrow and have to take £1 each to the school disco and I have no cash. Grrrrrr.

REALLY do not want to go to the cash point machine as this will only let me draw £10 and I only need £3.

Not sure what to do.......I have even checked the bottom of my handbag, the car and down the sides of the sofa to try to scrape together the £3. .

I also remembered that children take in a birthday cake to school when its their birthday :eek:. I haven't budgeted for one, so I have found out there is 27 in my DD class. So I will spend the evening baking 27 Fairy cakes for her to send in. Got to be cheaper than a £6.99 ready made cake.

Off to check hubbys pockets, so if he has any spare change hiding :mad:

StressedSteph

OMG OMG OMG :T:T:T:T:T:T:T. Just found an old crumpled up £5 note in one of his coat pockets......yay:j

Problem solved.

Janie4Now

Loving your diary, stressedsteph :j

I'm so impressed at your tenacity....I'm finding it really tough to keep focussed on not wasting a penny and it's so nice to see written down by someone else exactly how I feel about it

It's not easy but it WILL be worth it!

brizzledfw

yay to finding that fiver!!!!!! :jpositive thoughts and tenacity do pay off!!


sorry you've been a bit low Steph but remember going without treats will not be forever..just for a while until you climb out of this. I am not managing as many NSDs as I'd like but boy am I watching the pennies and sticking to the budget..always a first time :rotfl:

Hugs

Brizzle

lurvlyloz

woooooooooop to the Fiver