In the negative (to the not so nice) tune of £19771.50 ...

Want-To-Fit-In

Been reading lots of diaries today, which has given me lots of ideas.

I love writing lists/spreadsheets

I have spent all weekend sorting a spreadsheet (okay okay a few )

I need to be more organised, get the house more organised (we have lived here 4 months and not one room is finished being decorated or sorted) I love cleaning but find I sit reading on here to much

So not only is this diary to help kick the debt, but to become more organised and spend more fun, quality time with the kids. Eating healthier and becoming happier

*Beware I ramble on and on .... ignore me *

rising_from_the_ashes

:rotfl:I love lists .... and spreadsheets .... and I ramble too!

Welcome to the club!

Want-To-Fit-In

rising_from_the_ashes wrote: »

:rotfl:I love lists .... and spreadsheets .... and I ramble too!

Welcome to the club!

I'm glad I'm not alone the OH thinks I'm crazy and just isn't interested

Want-To-Fit-In

Spending Diary Mon 10th - Sunday 16th.

Planned Spends
£15 Gas
£15 Electric
£50 Provident
£50 (Friend I owe then clear with her)
£35 (Same as above)
£14 JD Williams
£51 TXT Loan roll over
£45 Mini Credit roll over
£85.50 Moneybox roll over
£550 Rent
£240 Council Tax
£70 (Another friend we owe)
£70 (Same as above)
£70.45 Pawn shop
£30 Fredrickson
£10 Reliable
£10 Next
£75 Big Shop

Don't worry this only happens on the week payday falls it will be a lot less during the other weeks of the month.

Also have Xmas shopping to do because it hasn't even been started yet.

Edit also the above friends we owe this week aren't added into my debt because we only owe them due to there being a problem with wages and they helped with some important bills why we had no wage. So will be cleared in full this week with the money we are owed whih would have covered what they paid.

lurvlyloz

hi there

good luck with your debt free journey x

rising_from_the_ashes

OK ... so now what you need to do is ..... get a wee notebook (or an App if you're into them!) and write down every single spend as they happen.

At the end of the week, you'll be able to compare your 2 lists and see whether you've stuck to your budget!

Want-To-Fit-In

rising_from_the_ashes wrote: »

OK ... so now what you need to do is ..... get a wee notebook (or an App if you're into them!) and write down every single spend as they happen.

At the end of the week, you'll be able to compare your 2 lists and see whether you've stuck to your budget!

I have a note book but I hope all the money out will happen on the 13th/14th. Mr T is done online and I plan to spend nothing else. Oh has some money in his wallet and I have some money but I plan to leave mine at home so I don't spend on treats for the kids (This is my biggest down fall they ask for nothing but I can't help thinking well they've been good or done x its only £1/£2 but it soon adds up )

Want-To-Fit-In

Well a late night and a very early morning makes me want to do nothing, but one more cuppa then I will start what I need to do. Alot of cleaning and ironing to be caught up on today.

Today will be a NSD. Have a few phone calls to make as well I might do that now why the kids are sleeping, gives me longer before I start cleaning

Want-To-Fit-In

Productive day today.

Phone calls made.
Doctors appointment done.
Upstairs cleaned and hoovered.
Downstairs Cleaned and hoovered.
NSD
Meals from food we have in.

Still need
Toy room to sort.
Boxes into the attic.

I need to start thinking about my Xmas shopping too. I'm really tempted to tell family we really can't afford it. We don't see them etc and to be honest I could do without buying another 18/20 gifts

Want-To-Fit-In

Tomorrows plan

Hospital for treatment
Toy cupboard if I'm up to it
Another NSD
Food from what we have in. *must resist the lovely coffee at hospital*

Kids have nursery tomorrow so at least they are entertained for the day for free!