Determined & Frustrated!

debtfreewannabe321

Obsessed is good if it's getting rid of debt I used to have 13 savings accounts open for all sorts of virtual 'pots' and used to check my bank account 2 or 3 times a day lol ....i've calmed down a bit 3 years on

xx

kickuptheasstime

Come on Cheques! I need you to clear so that I can use you for moneysaving!

Another positive morning

Today I will...

• Add ONE more item to Ebay selling
• Readjust my May spreadsheet to account for current spends - i think things might be a little tight from here on in.... and it's not the 1st yet...
• I will complete ONE survey tonight (unsurprisingly i can't acces the site at work )
• I managed to spend over £3 yesterday on chocolate - this is not a good thing - I did pay for it with change in my car, but that is clearly not the point - will not do this today

KUTAT x

kickuptheasstime

Busy day at work yesterday, so not much progress AND i spent £1.09 on chocolate on the way home :mad: clearly this is unacceptable...

I've just updated my spending diary with the DD's that have come out of my account for 1st May. I try to have everything paid at the beginning of the month so that I know where I am. The only one that isn't paid straight away at the mo is a new student loan payment which comes out on 15th, but I have asked for this to changed, so the next payment following this one will be 28th May (I get paid on 25th May)

So, report on yesterday as follows:

Add ONE more item to Ebay selling - Failed
[STRIKE]Readjust my May spreadsheet to account for current spends - i think things might
be a little tight from here on in.... and it's not the 1st yet... [/STRIKE] - DoneI will complete ONE survey tonight (unsurprisingly i can't acces the site at work ) - Failed
I managed to spend over £3 yesterday on chocolate - this is not a good thing - I did pay for it with change in my car, but that is clearly not the point - will not do this today - Failed!


Hmm will try harder today - will try drinking more to stop the munchies

KUTAT x

kickuptheasstime

OK good news & bad news!

The bad news is that I spent £14.44 in SM yesterday on cr*p which included £10 cashback

The good news is that I received all call yesterday re some boots which I returned to a shop, which had split within 6 months. The shop are talking to the manufacturer so fingers crossed there for either replacements or refund

The other good news is that my chqs have cleared & I have paid £50 to CC1 :j

I'm facing a real challenge today though, as I'm taking students to a large equestrian retailer to do some research, but one of my worst habits is going on trips & shopping for myself when I'm out and about :mad: I'll do my very best this morning NOT TO BUY ANYTHING!!

Will report in later

KUTAT x

kickuptheasstime

Woohoo! Managed not to buy anything, except 80p on chocolate on the way home

bargainbetty

Could I suggest that you include a pack of treat size chocolate bars in your shopping budget? Lidl and Aldi do packs of 16 or 20 for not very much money.

Take a couple of the small bars with you, leave a couple in the car. Then, when you need chocolate, you can have it, but in a much more controlled and cost-friendly manner.

Good luck

debtfreewannabe321

well done on not spending too much, but I agree with bargainbetty, I would buy a multi pack in the supermarket or £land and put one in my bag (perhaps not chocolate once it gets too warm though lol) xx

kickuptheasstime

Thanks for the inspiration BargainBetty & DFW321 - I've just returned from a sneaky trip to the local Lidl & paid £5.68 on snacks to last me until next Friday at work will do my best to ration myself & not purchase anything else snack-related....

My small spends over the last couple of days have really made me realise how my money dribbles away on snacks - now I've discovered Lidl, I want to not spend anything on snacks between now and next Friday - I'll bring sandwiches to work next week

KUTAT x

kickuptheasstime

Hmm difficult times... had a blazing row with DH on Saturday resulting in me driving off & buying a toolbox for £19.99 from B&Q (don't ask, I have very odd shopping urges ). Went home & talked about issues (not money related thankfully) and was otherwise a spend free day!!

On the upside, I earnt £95 from teaching yesterday, which I will pay into the bank tomorrow, then straight onto Virgin CC, thereby meeting target overpayments for May - I'll update as soon as Ive done it Four more lessons booked in for this week, so fingers are crossed for more cash to pay to CC

I desperately want a horsebox. DH knows this and offered to buy the one I have been looking at using his CC. I've been very grown up about it all & said that s**'s law that if we do this, one of the cars will die, or the roof will fall off, or something will go drastically wrong & we won't be able to pay for it. I know I MUST be sensible & stay focussed on paying off debt, and I know it's a luxury item - I'm lucky in that I have some good friends that I can catch lifts to shows etc for a diesel contribution - but the horsebox is a long-term goal - I would dearly love the independance of owning my own. Oh well, I guess I should use this as inspiration to get rid of those debts

Today is a planned spend day...

• SJ clinic (£35 + £20 diesel)
• Petrol fill up for my car (approx £45)
• Pay for bedding, wormer & grass seed (£74)

Expensive, but all accounted for - makes a change really!!

KUTAT x

kickuptheasstime

Better start to the week, even if it is Tuesday...

Just banked the cash I made over the weekend, and transfered £38 from PayPal made from Ebay sales (the remainder following fees)

Soooo... £133 paid straight to Virgin CC :j