Finally coming to my senses.....

Jox

Hi, how's it going?
Can you ebay any of the surplus clothes?
You might make a tidy pile (of money not clothes!)

frustrated12

I haven't posted in a while and feel a bit embarrased. It was a long month last month and I knew it would be a struggle but instead of embracing the challenge I just kind of gave up. I stopped budgeting and only today have I had the courage to check my bank balance. I hadn't completely lost it though, I haven't gone over budget but I spent more than I should of done and didn't pay off as much from the CC as I would of liked.

I have saved £300 for MOT & tax at the end of the month but I think my car might be more costly than that, but fingers crossed!!!

I'm off to find all of my receipt from the last month so I can claim back some expenses, have no idea how much it will be

Jox

Sounds like you haven't done too badly, you probably have an in-built system now to stop you going too crazy!
Get back on track, you're doing so well, can't be perfect all the time!

frustrated12

Thanks for the support Jox, didn't go too crazy but just wasted money when I didn't need to.

Have just sorted out my expenses and they came to £115, so I will either use it for my car or if it's not needed then I will pay it off the CC. Will have to put in another claim next week as I have left some reciept at work

frustrated12

Again, forgot to update my diary. I do really well and savemoney when I am filling in my diary but when I stop that’s when I start tospend money unnecessarily.

I have just used the Snowball calculator and my debt freedate is still October 2014, at least I haven’t gone backwards I suppose. But it could have been a couple of monthssooner if I had just concentrated more.

My accounts currently stand at:

Natwest Credit Card-£473.57 Hoping to pay this one off theend of June, so excited!!

Natwest OD -£3279.63

Current account -£435.70 although I don’t get paid until 31stMay so this will go up to nearer -£600



I’m so excited to be paying off the credit card next month;it will lift a huge weight off my shoulders.

I have just cancelled my Graze boxes, it was only £3.89every 2 weeks but I’m just not enjoying them therefore that’s a few quid I havesaved there J

frustrated12

Realised the last couple of weeks that there is a direct correlationbetween a tidy and organised home and my mind being organised and focused.

When my home is a bit messy or unorganised I spend moremoney and have a ‘don’t care’ attitude. I think I need to work with this and ifI make an effort to put everything away after I have finished with it then I might stand a better chance of not wasting money. I know this sounds alittle bit crazy, but if it works for me.

Keeping_Positive

frustrated12 wrote: »

Realised the last couple of weeks that there is a direct correlationbetween a tidy and organised home and my mind being organised and focused.

When my home is a bit messy or unorganised I spend moremoney and have a ‘don’t care’ attitude. I think I need to work with this and ifI make an effort to put everything away after I have finished with it then I might stand a better chance of not wasting money. I know this sounds alittle bit crazy, but if it works for me.

I agree if im not organised in one area then it is often a reflection on other areas. Keep posting even if its just a one liner.

frustrated12

NEED TO KEEP FOCUSED!
I just keep thinking of all of the things I would like to buy, and I seem to be getting itchy feet again. I currently rent and have got a habit of moving about every 6 months, I have done better this time as I have been in my current place for 2 and half years, but I just keep looking at other places to rent. I know it's silly as the rent is pretty cheap and I know if I moved I would pay more in rent. I still don't really have any furniture of my own and that frustrates me, I have the urge to but things, at least I would have something to show for my money, but I knowI know I need to pay off this debt, then I can buy whatever I want.
Sorry for the rant!

frustrated12

Just looked back at the SOA that I done towards the end of December, I am now around £60 a month better off then I was before. Most of this is due to taking out a pension at work, it is done via salary sacrifice, therefore I have given myself a pay rise by paying towards a pensions, win win situation. I know it's not much but over a year its an extra £300 I receive! And in another couple of months I will be another £30 better off. So that's nearly another £100 extra to pay off my debts. In a couple of days time I am going to re-evaluate how much I pay off my debts each month and hopefully increase it Happy, Happy!!!

Keeping_Positive

Sounds good, Sorry if I've missed this but do you use the snowball calculator. That can be addictive!