Gaining Control In 14 months! Time for concentration!

Gainingcontrol14

So I did have a diary on the go but that's scrapped! I don't think there is much time left in 2014 to achieve anything especially at this time of year when you have to buy presents for every Tom, !!!!!! and Harry, their cats and a stuffed turkey! I haven't budgeted for christmas, never have, struggle, skint myself, stress out, credit card lots, stress out some more, begrudge the whole celebration then think 'bucket' it, eat drink and be merry! Not the right attitude on top of all the stresses of debt all year round in forms of credit cards, loans, !!!!!! shop, payday loans, catalogues, and even a debt to the towns library for returning books late! Overall I would say around £10,000 worth give or take! Shocking! And disgusting!

So why now - well I hardly slept last night, worrying and concerned by how many more presents I need to buy with well no money! The realisation that I'm skint has made me think I can't carry on tipping it 'bucket it', yes i have an oh but we keep our finances separate and he is just as skint as me. There actually is no real budget or control between us and the finances are just well a shambles. I never actually realised how bad they were!

Sitting here looking at the Christmas tree and thinking this is the last Christmas I want to feel like this, I really don't want to continue with this guilty worried feeling so now it's time to:

- put a budget plan in place for both of us
- put a food shopping budget and meal plan in place
- put a Christmas and birthday budget in place
- put a debt action plan in place
- work out where we can make savings on the bills
- declutter the house
- look for 'free' fun for dd as spend far too much
- try to kick my 'bad food habit' - loose weight

I don't want my actions impacting on dd, it's not fair on her. She needs role models and at the moment we spend far too much which will give her a poor relationship with money. Something which I have thanks to my parents. They never taught me! I want to change that for her!

I don't achieve much apart from the basics because I'm too busy paying ridiculous amounts of money on things, i don't have a routine, I don't use everything in this house, I buy more, I don't cook much anymore, just go for convenience, pathetic it is. I have lots of talents but don't ever put anything to good use.

This is where it changes....... 14 months to change! 14 months to a new me with a new attitude! I'm growing up for dd, I'm making our relationship stronger and I will be gaining control!!

[/FONT][/SIZE]

Whitefeather8

14 months will fly by! I love your positive spirit and the fact that you recognise that you do have talents, you have just been too overwhelmed to utilise them fully. Enjoy your journey x.