WOW I must be serious this time.....I have a diary

sassychick2014

Aah! Thanks mum2one!

Trixxibell

Hello lovelies,

Sassy, Im part of the payment a day challenge, as mum2one has said I make a payment every day to a debt. Any amount counts from a penny upwards. I've been able to keep up with this so far even if it's rounding down my bank account to the nearest round number. Eg if I've got 11.83 in there I've put £1.83 to my debt.

Mum2one, as Dawny has said its a software package saves me doing my own spreadsheet promotes budgeting and a different psychological approach to dealing with money. I've attached a link http://www.youneedabudget.com

Trixxibell

My youngest DD got a special governors award this morning lovely assembly just a very warm in the hall.

I'm spending the afternoon with the older two kiddies, a lovely chill day they are watching a DVD boxset I'm chilling on the sofa listening to YNAB tutorial videos I'm gutted that I have to wait until payday to get it. Oh well in the mean time I'm going to procrastinate some more lol.

Noting else to report my small PADs are still being made! 83 days to go to clear the CC.

Trixxibell

I'm so silly, seriously deranged the ynab comes with a free trial so I don't have to wait til payday!!! Downloading it now will be back soon to let everyone know how it goes......eek so excited lol.

Trixxibell

Hi all,

I apologise for my bad punctuation in previous posts, sometimes I get excited and type too quick.

I collected the youngest DD from school earlier and then we all went to the park. Lovely afternoon now back home with no energy to do any house work.

P.s I love YNAB :-) I'm glad I watched videos before downloading it. I'm off to read some diaries and play with YNAB some more

mum2one

YNAB - sounds fab, have fun playing with the videos, - your have to let us know how you get on.

Hope the engery recouperates tonight... or could be a long 6 weeks!! xxxx

Trixxibell

What a night hardly slept, I love a good storm just not before a shift.

Have a great weekend everyone, I'm working all weekend so doubt I will have time to update diary much.

I love YNAB, makes you accountable for all your money, it's a spending diary and budget planner all in one. What's also great is you can see you debt as a big fat minus. Reminds me that CC balance is not my money and I will be able to see the debt reducing with each payment. Great for my PADs.

See you all later x

mum2one

I thought someone was breaking in at first the lightening lit up the bedroom and the thunder just seemed to go out for an eternity - a nice start to the summer holidays hope u have a gd weekend and don't work too hard xx

Trixxibell

Thanks mum2one,

The girls had dance exams today made it home in time to wish them luck on their last set. They have two more tomorrow but I will be at work so I've given them good luck kisses for tomorrow, tonight.

Loving the YNAB app can't wait to use on payday next week. Love I can update any spending straight away.

I'm keeping up with my challenges which is making a small but needed difference to the CC.

I'm off to bed now as I'm up again at the crack of dawn. I'm still bringing lunches in everyday that's going well. Got two OT shifts booked for next week. Means I'm working five 12 hr shifts instead of three 12 hr shifts but it will be worth it in the end. I've got 81 days to clear my CC the money has to come from somewhere.

All this effort could have paid for my eye laser treatment :-(.

I will catch up with everyone's diary on Monday when I can have a good read and respond.

Trixxibell

Up ready for another shift forgot to mention yesterday I got to view next weeks payslip looks like I'm getting paid £1,400 this month. Should be able to stick to plan of paying £600 off the CC.

Week before payday is always the longest week. :-(

Decided to help resist me spending on CC when I get under the £2,000 mark I will phone and reduce balance. I will do this until I can close CC account.

Have a nice Sunday everyone xx