Positive steps

Trixxibell

Hi Nannytomany,

Thanks for dropping by, I'm on my lunch break doing overtime on the worlds busiest shift. I'm knackered. Glad to see you read the secret too. I've watched the film on Thursday night to get my head on the right path to battle the debt.

I think it's time for an update from you on here though?? ;-)

Your doing well I agree with the in case of emergency fund anything that stops us slipping into old habits :-D

*subscribed*

nannytomany

Shelbi wrote: »

Nannytomanny, where art thou?? Have you got lost in the secret? that happened to me once absolutely love it, and the power and the magic (do love a bit of gratitude magic me!!) How are you doing?? I hope all is well with you & you come back soon, p.s If your concentrating on abundance rather than debt, update your diary and then check out the mortgage free wannabes diaries, sets your mind right and we get you back in diary land:D...hope alls well your end x

I'm back, lost the plot for a while, but after reading a couple of diaries (will finish yours tonight) decided to start again. Nothing in my emergency fund as had a holiday, August birthdays lots of them, and then school uniform for our grandson who lives with us, so back to zilch, but moving forward, listening to the Power and calling abundance from all directions.

Over to your diary now to see how you have been doing, wasn't meaning to ignore you.

nannytomany

Trixxabel, have you looked at my emergency fund now, bit of a joke but as they say, want it, see it, feel it and its yours, hope it starts working soon, thanks for looking in.

Shelbi

Hi Nannytomany!! Its so good to have you back!! Hope you had a lovely time on hols, dont worry about emergency fund, it can build right back up, besides id say school uniform and things are emergency, well necessity at least...really good to have you back on the mse wagon, wishing you lots of abundance your way too...ill be popping back in soon see how youre going x

nannytomany

Good day today, lie in as GS at his dad's, then went to Home B*argins and Li*l and got some essentials you no like crisps, choc bars and dog food lol, then we to see StepD and two grandchildren, had a lovely day, didn't spend that much either so win win, will have a look at my incomings and outgoings again and start from the beginning.

Night night off to watch Chelsea, last one tonight

patman99

Not heard of Dave Ramsey before, so will have to google him.

It might be worth your while posting an SoA for some detailed advice.

Also worth looking at the old-style board as well.

nannytomany

Thanks Patman will look into doing a SOA and on the old-style board. Dave Ramsey is good, can be a bit much sometimes but I usually have a listen to peoples Debt Free Scream and it motivates me a bit more.

Anyway today is a new start, have decided to keep a spending diary and see what is going out, our money is a bit higgledy, piggledy, bits here and there and lots going out and not much coming in, so spending diary it is and keep writing on the diary to keep myself motivated.

Have a lovely sunny day (it is here, hope it is where you are)

nannytomany

So day 1 again, started spending diary and could believe I spent £63.40
Pocket money for GS £
Pictures bought for GS/GD £5
Cubs (scarf - 3rd one said he would have to pay himself
if he lost this one £3.50
Cub subs £30 (for term)

Didn't feel like I was spending anything when I was writing the cheques but some things have to be paid.

Good day in all, family round lots of noise and kiddie laughter.

Tomorrow is going to be a spendy one as well, arranged to go to London to meet some friends I used to work with but have already bought the ticket via Qui*dco/Tra*nline so only have drinks and lunch at a Wea*herspoons in the City, but only do it once a year, will try and budget for it next year.

Am trying very hard not to drink wine so much, a bottle goes down really easily now and was having a bottle a night, habit really, so that was £5.00 every night, so have decided to only have a bottle on a Saturday night (excluding tomorrow of course) saving me £30 a week but I don't seem to see it.

nannytomany

So day off, today, had a great day in London with friends, didn't cost that much after travel I spent £20, that was lunch and drinks so a good time was had and not too guilty. OH hasn't been going to pub as we havn't got the money he says and now I feel guilty was going to meet my friend tonight, no drinking just catching up, don't know what to do, will think about that one.
Have just paid money into my account (well transferred from one to another so now have £30.83 which isn't much but better than £00.00 I had a few days ago, will work hard on getting my emergency fund together and then on the the credit cards/loan on the mortgage.
Must get round to doing an SOA but I know on paper we can afford to even pay the mortgage but somehow we seem to manage it every month, robbing peter to pay paul me thinks.

Hope you all have a lovely day, am doing overtime tomorrow and next Saturday so a bit extra in the kitty when I get paid.

mobo1980

Hi nannytomany

just wanted to say i've really enjoyed reading your diary (except the bit about poor !!!!!cat)
I love Dave Ramsey too he helped me get out of debt so we could buy our home (got a loan now to get rid of) I used to watch him on youtube all the time also Brian Tracey and Americas cheapest family (they can be OTT with some things though) really helped to motivate me
good luck with your journey , I can never leave a bottle of opened wine either!

Mobo xx