2014 is turn around year

Archer0710

debtfree2014 wrote: »

Hiya Archer, thank You for reading and posting. The above is so me too. As soon as I have some spare cash, I have to spend it, instead of putting it to better use, like my debts. But we are not going to do that again, until are debts are clear and we have savings and an emergency fund........are we ?

No agreed WE are not!

I always used to view my overdraft limit as mine too so paying it off has been very liberating. Even when I paid the money in to clear it my mind went ooh £500 what can I spend that on.

Glad you have formulated a plan? What's your Birthday present App? Sounds intriguing. We are very alike, I also rush out usually the day of the birthday in a panic. I am dreadful at birthdays so my main resolution is not to forget any this year.

debtfree2014

Hiya Gretchen, thank you for reading and posting and subscribing :j Fab to have like minded people all in it together. Keep me posted for your Diary.

Archer my spending app is expence manager and my birthday and Christmas app is Gift manager both are free, these are on android but sure you will be able to get them for i phone too. The gift manerger is brilliant, had person, state if its birthday, christmas or any other occasion, add ideas, coss them of when bought, wrapped etc. and cant wait to start my expense manager too.

We are so going to do this. We are going to be AWESOME superskrimpers :j:j:j

I am all done from this moment in, its watch every penny. :money:

debtfree2014

I have been on my internet banking this morning. I have 4 bank acct. Only use one, which is where my wages go in and my bills come out. So I am going to rename the other 3 and start adding to them. On one of them, its save the change. If I use my debit card, it rounds it up to the nearest ? (ill have to check) and puts the extra in to that account.

So I have 3 accounts that needs name and a purpose.

I have £100 to last me 2 weeks until payday again. No bills to pay out of it. All I think I need is Food and petrol

My food challenge to start off with is £40 per week but I have a lot of food in, so my challenge until payday in 2 weeks is £50. Ill post my progress daily. Petrol not sure I will need to see what jouneys I have planned. I walk to work and back and I can walk to my local shopping center which is about 25 min each way. More exercise, I need it, it will help get the Lbs off too.

Eyebright

Hope you had a lovely Christmas! Your planning is going well, like the sound of those apps!

Archer0710

Walking sounds a brilliant idea! It must be lovely to be able to walk to work etc. I am left speechless by so e of my colleagues who drive to work despite living in town. I have about 20 miles to work and it's unlikely it'll ever change much but I am really envious.

I have a couple of extra accounts, one is my present account which I put money into each month for birthday pressies etc. I have a hound account for his bills food, insurance excess if I need to claim on my insurance worming fleeing etc.
They are very basic accounts but work well.

Good plan though with the save the change account.

debtfree2014

Start Food shop logging today.
Only spend today is on 1.26 on a loaf of bread. Its a large brown loaf and I am cutting down on my bread so, split loaf in half. Half now for DH to use now and half in freezer for him later in the week.

Tea sorted, plenty of stuff in the fridge and freezer still.

Also need to drop some lbs todays weight 13 stone 4 n qtr lbs, at 5ft 3, that make be a bit round. BMI is 23, so not good.

Off to bed, when I have caught up

debtfree2014

Best Wishes and a frugal and fruitful 2014

Jan 1st 2014, and we are up and running. I am aiming for a debt free June.

No spend day today :money:but that cheating a bit. Lam my 20p jar is ready. Bank accounts sorted. Just need a bit more work on my Budget but most part of them done.

I need to go shopping tomorrow £20 limit. Need some basics and household stuff, toilet rolls etc.

Have a fabulous New Year :money:

Eyebright

Happy New Year DF2014, hope your night shift went as well as possible! You sound so determined,and well done for setting yourself a budget for shopping. This is something I'm going to do more of this year!

Gretchen2012

Hi DF2014

Happy new year. I'm on day two of not spending any money as haven't been out of the door yet. All change on Saturday but hopefully get everything I need paid then.

I've also updated my sig with my total debt and DFD and also signed into a good challenge and have my goals for this month there too to keep me motivated.

debtfree2014

£17 of my £20 budget spent :money: That should get me through till payday next Friday, may just need a couple of bits.

Joined Do I Need it or Just want it thread. That is going to be my Mantra.

I can get my teeth right into this once my payday arrives and the moment, just spending as least as possible