Starting again with debt....again!

sashybo

Hey Lilt, glad I reminded you to check your Quidco, it's quite good when you forget to cash out for a while & there's a decent amount sitting there.

Don't talk to me about PayPal, took me months to get them to change my name after I got married. :mad: They are a nightmare to communicate with!

Ah sorry to hear about your sensitive skin - I agree a Clarisonic may not be the way to go. :eek: At least you have a routine that works and that your skin likes. Good work on the night cream - it works & is cheap, what's not to love?

Have you read any of Sali Hughes stuff? She's a beauty writer & has a column in the Guardian in Saturdays. I read it online, she does columns about different skincare & make-up products & reviews them. A lot of the stuff is pricey but not always and it's always interesting to read the comments and see what her readers are recommending.

I'm actually kind of looking forward to re-starting my exercise on Monday. I really enjoy Yoga & Pilates, it's just getting myself going and that's only doing DVDs in the house - no chance I could force myself out to a class, it would mean leaving the house! :eek:

I keep trying to get my DH to do a bit of Yoga as his back is really stiff due to being tall and sitting most of the day at work. We both go to the same chiropractor for our backs (I get re-aligned every 3 months) & she really rates Yoga for helping your back as well.

I have to laugh, my young cat is running about my bed pouncing on his favourite new toy - the strip of cardboard you pull off Amaz0n packages to open them. So both kids & cats can be entertained with cardboard - always handy to know. :rotfl:

sashybo

Well another £1 paid off the CC today.

Off to the cinema today with DH and a couple of friends then back to theirs for some dinner and to see their wee girls (I will probably be dragged off into the Wendy house ).

Going to pick up my new Clarisonic heads on the way to save an extra trip later in the week.

DH gets a really dry scalp so tried rubbing coconut oil into it last night, leaving overnight & then washing out this morning. He says it does feel a bit better so will try this every so often for him. Have been trying a variety of shampoos as the dandruff ones just make it worse.

We made the JO fish pie last night and had enough left over for two more portions so those are in the freezer. Also had some HM rice pudding, yum.

betsycat

Hi Sashybo,

Have been lurking your thread today – hello!

Love the idea of paying £1 off your credit card a day. Feels a bit nicer than lumping off £30 at the beginning of the month!

Glad you're getting to grips with YNAB, it's so handy for keeping an eye on things. Rather than have different categories for entertainment, eating out etc I give myself a weekly budget (so have week 1 2 3 + 4 categories) and then transfer the budget over to a separate current account weekly. Slightly convoluted but works well in my head!

Hope you're having a lovely Sunday and enjoying the cinema + visiting friends.

liltdiddylilt

Hello!!!

I am so glad people cannot see me when I type online! I am like the Cheshire cat grinning from ear to ear because £3600 has disappeared from my FD account.. This means tomorrow it will be in my e-saver ready to push to the next 5% savings (actually a current) account I have lined up! Soooooooooo chuffed! Mainly because I couldn't wait and distributed some of it through my YNAB pots before it even came across so have been sat in the red for a week! lol.

Re your cat, that is so cute. I was going through old pics the other day and have dozens of mine as a kitten chasing water droplets down the shower panel, and swinging from my net curtains when she climbed so high I had to get a stepladder to fetch her! Miss my baby, but she didn't like me actual baby... so she had to go somewhere quieter.

Not heard of the Guardian writer but will have a look. I am so disinterested in things if they cost a lot of money and very faddy so am pleased to have found a cream that is amazing, within my budget and something I use nightly religiously. I also use coconut oil for everythingggggg!! Scalp and through my hair, then wrap in cling film and heat gently with a hairdryer for 20 minutes lol.. works wonders. It is the only oil which genuinely penetrates hair fibres due to the long chains in the amino acids. My hair is super thick and curly so it needs all the help it can get

Ref Yoga, I am not allowed to do it. I would prefer it to Pilates if I am honest as seems somehow less torturous but in actual fact because I am prone to certain issues (hyper-mobile joints) and because it is facet joint disease in my back, they recommend pilates purely to improve my core muscles. Maybe once I have improved it a long way I can cope with Yoga. What I would dearly love to do is my 3 hours in the gym 6 nights a week that I was doing up until about 3 months pregnant with Jellytot. I love weights! Lol

betsycat I find it really interesting how people use YNAB so differently. At the end of the day if each of us is getting what we want out of it and moneysaving then that is all that can be asked really. I truly love it!

betsycat

liltdiddylilt wrote: »

Hello!!!
betsycat I find it really interesting how people use YNAB so differently. At the end of the day if each of us is getting what we want out of it and moneysaving then that is all that can be asked really. I truly love it!

That's true! I don't even mind that I bought it full price a few months ago because it really is so handy (keep seeing people say it's on special at the mo). Took me a while to get used to using it with debts – especially seeing my overall balance being so far in the red! :rotfl: – but think I'm getting there...

liltdiddylilt

I managed to scrape 20% off, but paid for it twice over in my first months grocery savings alone. It is a powerful motivator - shocking to think that before I had it, I was spending more than twice what I spend on groceries in my worst months now... :eek: - I saw it for £7.49 the other day and persuaded 3 people to buy it :rotfl: - I hope it helps them like it has me!

I started off with a credit card which owed me £3.52 due to an overpayment. And that was always in the red even though they owed me. Lucky for me I managed to escape my debts before I found YNAB but I have a friend on here who uses it to cut her overdraft. Even though YNAB tells her she is still £600ish in the overdraft, she hasn't paid any interest on it in 2 months because her money allocated to other categories actually keeps her out of the red in her bank account... but seeing it still red on YNAB spurs her on to not spend it is great!!

buddiebabe

Hi sorry to hijack your diary but after reading all your posts about it I thought let's just go ahead and buy it but not sure what I've done. Am on my iPad do I need to set it up on laptop first?? Sorry not very tech savy

liltdiddylilt

Buddiebabe I HTH

http://www.youneedabudget.com/blog/2014/ynab-for-ipad-is-here/

buddiebabe

liltdiddylilt wrote: »

Buddiebabe I HTH

http://www.youneedabudget.com/blog/2014/ynab-for-ipad-is-here/

Thanks turns out you need to do your budget on a desktop pc which at the moment I don't have access to will have to wait until I can afford a charger for my laptop as the last one has disappeared.

liltdiddylilt

Oh no!! I thought it said you could now budget on your iPad! I do find it a bit inflexible the way you have to use a desktop in the day and age where we are moving away from them so much more!!

Whatever you do, be careful buying from eBay if that was an intention. A lot of them are from china and are serious fire hazards than can blow computers up! xx