A Frugal Life for Me!

Aloofdragon

Morning x Good luck on operation 'Get debt free', I just had my first Christmas without credit cards so know exactly how jittery it can make you. I hope hubby finds something soon it will no doubt help make your budget more manageable..
How about making your to do lists for the week instead of daily so if you don't manage to do everything on your list one day you can still tick it off when caught up through the week? I find it helps the cant be bothered feelings when you don't manage them all x

nowpanicking

Hi Aloofdragon, that is a great idea... cheers! I definitely have an issue with keeping motivated so the weekly list might help. Yep, Christmas with no credit cards was a challenge.... but it made me realise how much I depend on them which isn't good. The real test will be when I go back to work as I usually get sucked into work problems and debt issues don't seem as important. .. hence debt of over £26k! x

nowpanicking

nowpanicking wrote: »

So... today's plan of action:

- Clean bathroom as didn't do yesterday
- Have another look at main budget to see if there's any leeway can find another £20 which I can keep aside for bits and bobs
- Have a look at os forum for meal planner inspiration
- Have another go at meal plannerreduced by £15 so just £5 over which I reckon I'll find with deals , e.g. super 6 on fruit & veg
- take dog for walk done
- Make hm rollshad enough bread for soup so bm ready for tomorrow morning
- hm soup and rolls for tea yep
- check bank accounts yep

Also did a load of washing that's now up to date and spent around 2 hours reading which was great

I'm going to work on a weekly list (in my head) and update tomorrow

Chilling out for rest of the night x

MrsM1982

Hi nowpanicking,
Sounds like you've had a good day! I went through the freezer and cupboards today and listed everything I have, also had a NSD so feeling motivated for 2015!

Tomorrow I'm visiting some relatives in the morning then we have a play date and then off to my moms for a little party so should be another NSD!

Good luck x

debtfreeoneday

Well done on not giving up and starting to tackle the debt again - it can be done, being on here helps loads I find and makes me really motivated! Keep it up!

nowpanicking

Hi MrsM and debtfreeoneday... thanks for popping by. I actually tried to post last night and it didn't work, just went back to the sign on page... most frustrating! Will post this and see if it works......

nowpanicking

Just typed out another longer post and I was kicked out again!

nowpanicking

Ok... tried a few times this morning so trying again.

Firstly, Happy New Year to everyone! :beer: I'm hoping that 2015 will bring for me a better attitude towards money. Who cares what
things I own !!!! Family is most important, spending time with each other etc.

My plan for the rest of the week is:

- walk the dog every day
- Keep on top of the housework
- stick to meal planner
- stick to budget so I don't need to borrow from sis before pay day
- check bank every day and update goodbudget app with spends
- iron work and school clothes for next week

That's my list, fingers crossed the post works this time!

nowpanicking

Just had a wee look at M Hinge's diary... great idea for veggie bol/chilli sauce so I'm going to revisit next pay's meal planner.

Checked bank and updated goodbudget app today... got just over £112 to last me until the 15th...

£60 for 2 weeks food (will also have to cover next terms milk money)
£25 for 2 weeks petrol
£27 tobacco

Just have to hope nothing unexpected comes up!

cazzyd

Good Luck nowpanicking, I am going to subscribe, as 2015 is the year of frugal living! I am on the frugal fun bus myself so all the best.