Working towards being debt free and a new house.

dipdap

Good evening diary
My debt busting confidence is sky high today :j I'm going to try and keep popping back on as much as I can
Spending for today
£37.49 on fuel (I guess it's now a lot cheaper to fill a tank than it was when I was last updating)
£6.15 on grocery bits
£5.00 on a birthday present (not for 6 months yet but it was a bargain)
£1.00 on study material for DS.
(Also £4.50 on dance lessons but that has been budgeted for)

Gives a new total to get us through to payday of £314
Keeping fingers crossed it's a good one as I think there's some overtime on there

dipdap

Good morning diary.
I suddenly had a brainwave while in bed last night.
I have come up with a new chart that will work like me (bit like enveloping) just got to tweak it and find somewhere to put my chart

dipdap

Morning diary
No shopping for me yesterday :j only thing I had to shell out on was some school fees (and DH nipped to the shop for some ciggys :mad: )
Not long till payday now :j

dipdap

Good morning diary
Nice surprise this morning, payday came early (I'd thought it was Monday, it turned out it was today :j )
I was going to start my computerised spreadsheet on the 1st few but think I'll start playing with it from today
Now I must be good and not spend money just because I have it

clearmydebts

dipdap wrote: »

Good morning diary
Nice surprise this morning, payday came early (I'd thought it was Monday, it turned out it was today :j )
I was going to start my computerised spreadsheet on the 1st few but think I'll start playing with it from today
Now I must be good and not spend money just because I have it

Lovely when payday comes early. It's my OH's payday today and I'm trying not to be tempted by anything either!

dipdap

Hi clearmydebts :wave:
It's great isn't it I thought payday was Monday, but I'm glad to be wrong
I've been good so far, have run the figures through my spreadsheet and we have no spare cash until the 3rd
Because we're having credit checks run against us I've been trying so hard not to use my overdraft between the end of one month and the start of the next.
We've got £800 to get us through to the 3rd (sounds a lot) but there's a £520 mortgage payment, £60 water bill, £140 gas & leccy bill, fuel, school clubs, groceries and ciggys for DH :mad:
It's the tightest it's been for a while, I can cope with it but DH is gonna be super grumpy for the next week and a half :mad:

dipdap

Must sit on my hands and try not to spend too much money
Grabbed some shopping earlier, I was such a good girl and only grabbed the essential bits DH said we needed (plus some biscuits and ice cream )
He can have his ciggys, I can have my junk food
Just need to get through to the 3rd without using my overdraft, this is gonna be a killer

Dobbibill

You are doing really well dipdap. keep it up :T

Things will be hard sometimes but I love the idea of your chart for enveloping, anything that helps along the way has got to be a good thing.
I'm sure your daily updates will help too with your challenge to keep out of the overdraft over the next 11 days (we are almost half way through 1 day already so only really 10½ to go)

DB

dipdap

Good afternoon diary
Hey DB :wave: I'm loving my spreadsheet at the moment :j
Unfortunately it's shown me just how much of our money is earmarked (it's a lot more than I ever realised ) but that's also a good thing as it now means I can reevaluate daily and it don't half stop me from spending as I don't want my 'excess payment' (this is the box that shows unearmarked funds) to go down. I want to keep this as high as possible for over payments
When everything's finally sorted and were moved in gonna sit the kids down and show them my spreadsheet and let them help me budget. Hopefully I will give them a lesson in money that no school will ever teach them and they won't end up the same way we did :j
10 days to go till I can use my overdraft, 13 days to go till exchange of contracts deadline.

Dobbibill

I love spreadsheets, as I've probably said a million times, can't get enough of them haha so I understand your love for it. Showing the kids the budget is a really good idea. Schools don't teach the basics of budgeting, I really hopes this changes in the future though. I am totally in support of Martin's campaign for this

My children are all grown up now so I have had to teach them budgeting basics myself over the years and I must say they are so organised with their wages now, it's a pleasure to see and I know they have been put on the right road financially from the off. They very often ask me to check TCB or Qu1dco for them to see if they can save money on a purchase.

I love enveloping my money, although for personal preference I use different accounts for this. It loathes me to take it back out for anything afterwards so I know it goes for it's purpose and the determination not to take it from the 'wrong' account keeps me focused.

I'm counting those days with you, you're over half way through day 10 :T yay

DB