Enjoying the journey - budgeting, saving and remaining credit card free

fedupandskint

Shock horror today, not a NSD! Caved in to a much needed (I think!) bar of chocolate and large bread roll at lunch time. Felt really hungry today for some strange reason.

Tomorrow meeting up with a friend at lunch time so it might be another spend day there too.

Good news is that I can cancel my private life insurance policy as it turns out I was already covered by my oils employer pension and again by my new one. So that's just under a tender back to me a month.

Other good news, I did some exercise after work, for the first time in what seems to me, a very long time. Feel better for that and another Shred day completed, yeah!

fedupandskint

Met up with old work friend at lunch time were we had a good catch up and life is going well for both of us at the moment, me in my new job and her back at uni studying for a new career. A few wobbles about it apparently but I think she will stick at it, then it'll be worth it in the long run. Anyway, good to make the effort to catch up.

No wonder I've been so chocoholically recently, hormonal of course! Normal service will be resumed tomorrow when the cravings have worn off. Very strong this month from nowhere and I've felt so hungry the last couple of days.

Long work day tomorrow then short work day after, meaning before I know it will be the weekend!

NSD 21 and no clothes spend day 22

debtfreewannabe321

If you've started the shred recently could that be why you're more hungry and craving carby things? Hopefully the cravings will wear off, have a glass of water before caving to the chocolate next time it sometimes works for me (although not when I'm hormonal )

fedupandskint

I'm sure everything will be back to normal tomorrow, usually is on day 2. These cravings overcame me for a change, usually I can control them well, maybe it was the exercise increase this month of lots more walking and shred.

fedupandskint

Another day done, a good day at work all round including my appraisal which went well considering my plans to leave by this time next year.

Decided to freedom wear a skirt I haven't worn for ages which was nice.

Haircut tomorrow afternoon and phone calls to make to tick those jobs off the list then not much else!

NSD 22 and of course no clothes spend day 23

fedupandskint

Ok then, update time.

Easy morning at work and the inspectors did not turn up as planned, maybe they did this afternoon after I'd finished.

Rang the insurance company and cancelled the not needed life insurance despite them trying to convince me I still needed the cover regardless of the fact I have two other policies with more than enough cover with pensions. First job ticked off and DD cancelled at the bank.

Then onto the next phone call, the bank would not budge on the bank charges refund one bit, off to the ombudsman next as recommended by them. I'm not holding out much hope as they could not uphold the last one. Still, always worth exhausting every single option!

CPP still a mystery as I'm passed around several departments, no one has any idea about what is going on apart from telling me a letter is on it's way out to me and to ring CPP again. This doesn't sound very hopeful as CPP told me to contact the card issuer!

Haircut today which looks much better shorter.

Another quiet weekend planned catching up with jobs at home, exercise of course and the usual cooking, long dog walks and pampering a little of face mask hair mask and tidy those nails up once again for the week ahead!

NSD 23 and no clothes spend day 24 on course for a ninth month in a row without buying any new clothes. That is an achievement!

fedupandskint

Oh yes, I forgot to mention, 2 more items with bids on eBay today making it 4 items off to new homes next week. Small sales but it all adds up.

fedupandskint

Good morning everyone.

A little lie in this morning which was a pleasant change after all the early starts this week!

Banking checks done, no surprises there, updated eBay sales after they sent me an email to increase the exposure to viewers. Another item with a bid on making it 5 sales now. Case opened against a non payer from last week.

Plan for today is do the dreaded floor sweep and mop, clean living room and bedroom and Hoover, change bedding. No chance of washing it to dry today, that job will have to wait for a breezier day. Will do a Shred later on this afternoon too and draft that letter to the ombudsman ready to post.

debtfreewannabe321

Have a lovely weekend don't forget to relax in amongst all those jobs x

fedupandskint

Always plenty of time to relax!

First job ticked off, floors swept and mopped, taking quite a while to dry, washing out pretending to dry. Budgets updated to take into account DD cancellation and also new monthly take home pay. I know what it is for one job, and have tried to work out the new jobs. If I'm right I'll be £120 down this month until it settles down next month for both jobs regular month hours. If I'm right I'll have to defer the extra loan payments from council tax and water rates for February to stay in credit. Will have too see what I get paid next week then see what to do.