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Justifiably Unanimous Lockdown Yomp!!!
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Onsite at customers in Ipswich (took 5.5hrs to get here from Cardiff yesterday)!!! All expenses paid for by my company so add another 3 SFD's to my totalDiary: Getting back on track for 2013 and beyondDEBT FREE 13-10-13 :dance::dance::dance::dance::dance:
Beautiful daughter born 11.1.14Mortgage: [STRIKE]£399,435.91[/STRIKE] £377218.83
Deposit loan from Dad: £9000[STRIKE]£10000[/STRIKE]0 -
I haven't got there yet, I want to be able to afford everything at once! And that is the recipe for disatisfaction and discontent. See above pay day treats issue. I need to get my s**t in order.
This sums up exactly how I feel. The life I want is massively out of my budget but frustratingly, even a very pared down version of it still seems to leave me with more month than money. I can't figure out where else I can make cuts. It annoys me that I can't even really afford a posh coffee and cake at weekends while my friends seem to be spending willy nilly. I'm assuming it's all on credit...My debt free diary | Post Office loan: £2131 1429.38 | Barclaycard: £4429 1988.12 | Paypal Credit £322.71 574.91 | Monzo Flex £169.03 |
Total £4151.44 | £2900.30 of £7051.74 paid off since diary started October 2024.0 -
lilian1977 wrote: »This sums up exactly how I feel. The life I want is massively out of my budget but frustratingly, even a very pared down version of it still seems to leave me with more month than money. I can't figure out where else I can make cuts. It annoys me that I can't even really afford a posh coffee and cake at weekends while my friends seem to be spending willy nilly. I'm assuming it's all on credit...
A girl at work had the £200 Micheal Kors watch that I have been lusting over for ages. She giggled telling me "it's what credit cards are for". The only way to console myself that I have no summer clothes having last bought some three years ago is that when the time comes I can buy some without being in debt.. then gloat for all its worth. It will be worth it in the end.........“Nothing in this world can take the place of persistence. Talent will not; nothing is more common than unsuccessful men with talent. Genius will not; unrewarded genius is almost a proverb. Education will not; the world is full of educated derelicts. Persistence and determination alone are omnipotent".0 -
NinjaSavingKat wrote: »A girl at work had the £200 Micheal Kors watch that I have been lusting over for ages. She giggled telling me "it's what credit cards are for". The only way to console myself that I have no summer clothes having last bought some three years ago is that when the time comes I can buy some without being in debt.. then gloat for all its worth. It will be worth it in the end.........
You're right I suppose. It just feels rubbish when you treat yourself to a coffee on a Saturday morning then realise you could have made a vat of soup and fed yourself at work for a week for the same cost!My debt free diary | Post Office loan: £2131 1429.38 | Barclaycard: £4429 1988.12 | Paypal Credit £322.71 574.91 | Monzo Flex £169.03 |
Total £4151.44 | £2900.30 of £7051.74 paid off since diary started October 2024.0 -
Also, SFD #4 here - did spend 8p on a banana for my DS in Tesco this morning but then found 10p on the floor!My debt free diary | Post Office loan: £2131 1429.38 | Barclaycard: £4429 1988.12 | Paypal Credit £322.71 574.91 | Monzo Flex £169.03 |
Total £4151.44 | £2900.30 of £7051.74 paid off since diary started October 2024.0 -
Well done you. Quite a result and every penny helps!
BTW lotti, meant to say the Sheryl Sandberg book is well worth a read. Some of it rang very true for me, at any rate. ( not the pay packet though, obv!!)MFiT-T4 Member No. 96 - 2022 is my MF goal
Winter 17/18 Savings Rate Goal: 25% [October 30%] :T
Declutter 60 items before 31.03.18 9/60 ** LSDs Target 10 for March 03/10 **AFDs 10/15 ** Sales/TCB Target 2018 £25/£500 NSDs Target 10 for March 02/10 Trying to be a Frugalista:rotfl::T0 -
Clootiesmum - Diego is an excellent name! i love it!
RE the buying on credit/people having nicer things - its not strictly the same but i was talking to a collegue today about a previous employer of mine. He has a friend who works there and is jealous his friend is higher paid. I pointed out the hours involved in the job and the fact they practically force you through your accounting tuition and exams to trap you. If the friend tries to leave in the next 3 years he will almost certainly have to pay back well over £10k for the tuition etc. Trapped yet he looks like he's got the better job. Work collegue cheered up after i told him the reality of working for that particular employer. I guess i'm trying to say things arent always as they appear/the grass isnt always greener?
PS SFD today!
PPS Arghh i joined a gym - first class tonight!:rudolf: DF by Xmas 2018: #83 £8,250/£15,000 55% :rudolf:
SPC 7: #135 :staradmin | MFW 9.72% | Groceries: £6.49/£80 | Exercise 0/20 | NSDs 0/150 -
Nightmare of a day. Was meant to be a no spend day but a visiting dog next, wound mine up with the barking ad the next thing I know one if mine has forced her way through a hawthorn hedge and gone after this poor little dog. I somehow managed to scale a six foot wall! Thankfully the little dog is completely unharmed but mine is shredded from the hawthorn
So I had to buy a bottle of wine to say sorry to this poor owner. Needless to say, I will cover vet bills should there be any but fingers crossed she's OK
LBM.....sometime in 2013 £27,056. 10 creditors
June 20.....£7,587.....3 creditors left 72% paid
£26,200 on interest only part of mortgage (July 16)...will chip away £17,103
£49,200 repayment mortgage ( July 16) £37,7640 -
5/20 SFD
£130.50/£150 Food budget
£50/£50 Petrol
£7.50/£40 Personal care
£20/£60 going out cash
Day 9
Yesterday a spend day. Bottle of wine and a yoghurt ..£5.69
Going to break the habit of a bottle of wine as and when...expensive.
NSD.. I had my pre planned haircut..nothing else..
Peeled the last of the potatoes and carrots ..not sure what yet ...
Marinated 6 very large chicken breasts which I stripped and left in bags with 3 different marinades ready for freezing into 3 or 4 skewers a portion...
Other than its been hot nothing to report..stay with it ..don't fall off the bandwagon....xx0 -
Hey all
Hoorah!
Today = SFD number 5
Thanks Kat for the advice via PM
Having a chill out tonight as baaaaaaad day at the office lol. Will not use that as an excuse to binge eat I promise!!!
⭐ DEBT FREE : 18/02/2025 ⭐
Follow your heart & be true to yourself always
My life is full of abundance and prosperity
NST April: Food/Spends = £240.00/£60.00 NSD = 7 /12
Be kind - Eat well - Exercise - Be mindful0
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