jd determined to do it this time

jdjd83

Have been lurking on here for a while and have decided to make my own diary after been very inspired. My main reasons for starting a diary are to encourage myself to save and stick to a budget without the need to use our overdraft. Iam currently on maternity leave and am due to start back in july (starting work in sept) when I return I am reducing my hours and so need to stick to budgets!! I do have debts but can pay these comfortably from my wage. Me and DH just need to stop spendingmoney on things we dont need.
I have sat down with hubby and worked out new budgets and am ready to start tomorrow (hubbys payday). Feeling quite excited about it!
Here are some things that I have already done to start my saving journey:
♥ joined survey websites
♥used cashback sites
♥ recently had solar panels fitted
♥ set a new budget
Feeling excited about my new journey:rotfl:

jdjd83

Things I need to do tomorrow:
Submit meter readings now solar panels have been fitted
★Phone bank about new mortgage deal
★Check for any surveys
★Sort hubbys pay into different pots for our new budget.
★buy baby milk and other toiletries using vouchers that I recieved from B in the post.

jdjd83

Just searched my purse and found a £2 coin for my pot! Oh and got cashback for some purchases from my a**di shop, all for the pot whoop whoop!!!

jdjd83

So yesterday I made a payment on the cc and completed most of the things on my to do list. Still waiting for the bank to organise a mortgage appointment. Got some great news at work a temporary responsibility that I hold has been extended till Dec so thats goood. Little sis emailed hubby about a new job to apply for ( his job is temporary) so all good. Been into work today bought a drink and got another £2 coin. Need to fill in timesheets for days at work and claim back mileage. Just waiting for baby cuddles now,!!! Will check for surveys. Hope everyone has had a good day x

jdjd83

Just bagged some bargains in the ge***ge sale, got the little one some outfits for the autumn and got cash back, all good!!!:j

jdjd83

Not been on here for a while, but have been busy trying not to spend, hubby been off work whihc always means we spend less, he is off most of next week so all good as we can save moneyand get house sorted! Mum gave us the heads up about a new park and ride scheme for hubby, he is using it and it currently saving us about 6 pound a day in parking. Am so pleased about this. I have been paid and for the first time in ages we were not overdrawn. My next wage will have my overtime in and hubbys should have a bonus, will put this money towards holiday spends as we are away for two weekends. Feeling positive again about our journey. Also got my new contract through for my reduced hours, why cant they just tell you how much you will get in your pay packet. Hope everyone has a good day eventhough its raining.:(

in_need_of_direction

Well done on ducking the overdraft.

jdjd83

Thanks in needof direction, I was really pleased about it
Had a bit of a spend day today getting some household bits but picked up some offers. Mum bought me breakfast coffeeand thendad cooked lunch so no need to raid our stores at home. Hubby off work now so can try and curb the spending a bit more. Need to sort mortgage out and will just check the bills acountto make sure savings have gone out. Hope everyone has a great day!!