The end is in sight

nellis10

ShirePiskie wrote: »

I get quite fed up the middle two weeks of the month.

All the start of the month transactions have gone out.

I haven't had new bills (shockingly tragic to look forward to bills), eg mobile, for the next month yet so am just floating around in DFW limbo.

I know exactly how you feel! I have most of mine out on the 1st, a couple in the middle and the rest at the end of the month, so I have nothing to look forward to each day when I go into my account or YNAB lol...I have taken out cash for all my grocery, petrol and spends, so when I get bored, I dive into that and play shop, assessing where all the pennies went lol

ShirePiskie

nellis10 wrote: »

I know exactly how you feel! I have most of mine out on the 1st, a couple in the middle and the rest at the end of the month, so I have nothing to look forward to each day when I go into my account or YNAB lol...I have taken out cash for all my grocery, petrol and spends, so when I get bored, I dive into that and play shop, assessing where all the pennies went lol

I've already tinkered the spreadsheet to death and now my purse sheet is set up and up-to-date... *sigh*

We're just too d@mn efficient for our own good, Nelly.

I suppose it's better than worrying about not knowing where the ££ is going.

t2rry

nellis10 wrote: »

I know exactly how you feel! I have most of mine out on the 1st, a couple in the middle and the rest at the end of the month, so I have nothing to look forward to each day when I go into my account or YNAB lol...I have taken out cash for all my grocery, petrol and spends, so when I get bored, I dive into that and play shop, assessing where all the pennies went lol

I don't know what YNAB stands for but otherwise - ME TOOOO!!

It's so frustrating, essentially wishing the days away.

My spreadsheet only covers one month, so I re-jig it month on month, although most of it stays the same, just totals are updated. BUT this means that I am constantly waiting for next pay day to be near enough that I can justify moving it on to the next month....I have already practised July, although must remember not to save it else risk losing June!

nellis10

t2rry wrote: »

I don't know what YNAB stands for but otherwise - ME TOOOO!!

It's so frustrating, essentially wishing the days away.

My spreadsheet only covers one month, so I re-jig it month on month, although most of it stays the same, just totals are updated. BUT this means that I am constantly waiting for next pay day to be near enough that I can justify moving it on to the next month....I have already practised July, although must remember not to save it else risk losing June!

Aha!! Let me introduce you to your new best friend...YNAB - "You Need A Budget" Software. Free 34 day trial and after that you can normally get a link to discount so that it only costs you about £30 for the whole thing.

It's my fav new toy and I love budgeting with it. I have all my debt, expenses, income and budget in one place and I can move things about as I need to. I love it!

t2rry

ShirePiskie wrote: »

I've already tinkered the spreadsheet to death and now my purse sheet is set up and up-to-date... *sigh*

We're just too d@mn efficient for our own good, Nelly.

I suppose it's better than worrying about not knowing where the ££ is going.

The problem comes for me when I get to a weekend and want to 'do something'. I end up thinking, stuff it we've been so good and it's all so thankless and slow. I let myself forget about the saving plan for a while and buy stuff we want (the last time it was plants etc for our garden because we were excited to HAVE a garden - ended up spending £140!!)

I've telephoned my water co. this morning to find out when we get billed because we've been in 4 months without a bill and I'm desperate to know if my calculation for our DDebit was anywhere near right! Sadly, no bill until July

nellis10

ShirePiskie wrote: »

I've already tinkered the spreadsheet to death and now my purse sheet is set up and up-to-date... *sigh*

We're just too d@mn efficient for our own good, Nelly.

I suppose it's better than worrying about not knowing where the ££ is going.

We rescued a tiny little kitten from the engine of my car on Saturday (no idea how it got in there) and it has now adopted us (my son would never forgive me if I gave it up!!) so now I have a new category in my budget "Cat Fund" lol

How am I going to find another £30-50/month for a cat!! :rotfl:

bindi_soup

just been reading through your diary and its made me laugh! I completely feel where you're coming from.


Best of luck, sounds like you've got your head in the right place and you're very focused - you'll definitely get there!

t2rry

nellis10 wrote: »

Aha!! Let me introduce you to your new best friend...YNAB - "You Need A Budget" Software. Free 34 day trial and after that you can normally get a link to discount so that it only costs you about £30 for the whole thing.

It's my fav new toy and I love budgeting with it. I have all my debt, expenses, income and budget in one place and I can move things about as I need to. I love it!

ooh I like new toys!

nellis10

bindi_soup wrote: »

just been reading through your diary and its made me laugh! I completely feel where you're coming from.


Best of luck, sounds like you've got your head in the right place and you're very focused - you'll definitely get there!

*Wails* Somebody read my diary!!!

t2rry

nellis10 wrote: »

*wails* somebody read my diary!!!

done!!! :d