Positive thinking!

Cwtchie

Way too busy today! DH has just turned out the horses. I've got a minimum of 7 full loads of washing - where did that come from??.
House to clean and declutter.
Freezer to defrost.
Cupboard that stuff falls out of to clear out lol!
Muck out.
Gym......the list goes on

Cwtchie

5 washing loads done, one wet will go on line tomorrow.
Freezer defrosted...yay! Forced myself but glad it's done.
Mucked out with a little help from a friend;)
Cleaned and decluttered even though you wouldn't know it now grrrrr.
Horses out tonight so no mucking out tomorrow.
Shopping back up to £9.02 in the morning.
I'm wondering whether to up the budget to £400 per month to included all shopping, eating out and entertainment. I'm sure it would come in less and it would make me feel good to stay within budget....

Cwtchie

Ooo...time flies, £138 left in shopping till end of month. New contract starting up as well so lots to keep me busy, existing ones going well also.
Ponios all happy, well very fat and therefore I presume happy ��
Hoping to start making serious inroads into this debt beginning in earnest 1 July, budget sorted just counting down the days, focus time ��

Cwtchie

£75 this week for shopping budget, if I go over then it's just going to be soup and homemade bread or beans on toast
Want to clear my over draft by September if possible, currently as of 1/7/2016 is £4202.73 obviously minus figure.
I have three credit cards as well which as of now are not being added to they will be tackled after my overdraft is clear, although one of them I am already overpaying each month.
I am hoping everything will be clear by May/June 2017 at the latest.
I would like to leave £500 buffer in my current account once the over draft is clear. Everything after that will go to credit cards which amount to around £9800, I'm paying £330 off these a month at the moment. To clear them in line with my goals I will need to pay after September £850 or thereabouts more a month...woah!
I'm going to post accurate figures over the next few days but as of today overdraft stands at £3313.27 this will fluctuate by end of month but hopefully by 4/8/2016 it will be below £2000, hopefully anyway.
So goals for the month are:
£0/£75 Shopping week beginning 1/7
£0/£75 Shopping week beginning 8/7
£0/£75 Shopping week beginning 15/7
£0/£75 Shopping week beginning 22/7
£0/£75 Shopping week beginning 29/7
Overdraft £3313.27/under £2000 by 4/8
Credits cards x3 all less
We have already had an expensive weekend so tomorrow my bank will update and I will know the damage in my £75 this week, which I will have to make last till Friday morning.
I tend to come and go on here but I have realised that not only does my financial sense come to the fore when I'm posting but mentally it is good to focus and clear the stress. Debt is definitely one of my big stresses in life.
On an easier note ponios are all good, out again tonight after being in overnight due to rain. Lazy on the mucking out today so will have some mucking out due tomorrow.
Washing mostly up to date, beds due for change tomorrow though and probably a few loads I can collect from bedroom floors tomorrow morning
Meal planning in place although struggling to stick to the list, most of the time I realise I've left items off when I see them in the shop, usually essentials like milk, bread butter etc.
Work/contracts going well.
Diet needs a kick up the but and so does the gym hopefully posting on here daily will help to sort me out

Cwtchie

O/d still the same, shopping hasn't gone out so can't work out what I spent, threw receipts out, bad I know, won't do it again.
Worked out total debt from credit cards but figures are downstairs so will update tomorrow.
Wish the rain would go away, would be nice to have some dry days and some sun at a push

Cwtchie

Upon researching I stumbled across a lovely new way to think. Instead of tidying a room, each time you leave a room leave it "ready" for the next visit ��

Cwtchie

O/d today £2986.44
This week £75/23.06. Aldi spend today approx £44 receipt downstairs. Need about £7 for dinner on Thursday and them Friday is start of new week.

Cwtchie

So total owed is:
Mortgage £164677.96 not overpaying, would like to but when rest of debt owed has gone
Cc1: £6329.00 paying just over minimum
Cc2:£1106.73 paying about £20 over minimum
Cc3:£2523.16 paying about £70 over minimum
O/D:3207.50 hoping to be under £2000 by beginning of August
can't say I've been particularly good this week as there have been spends which weren't budgeted for, sprung up out of the blue, mainly school but actual food shopping for week £66.33/£75 so not bad.
Next week which begins tomorrow will hopefully stay in budget and if these unexpected spends occur again I'll have to put them in the budget for next month.
I feel that the overdraft is the most important one to get rid of, it is on high interest but I also think I would feel much stronger and charge ahead if I was in credit, I'd feel like I'd achieved something.

Cwtchie

It occurred to me whilst mucking out that I pop to the shops quite often. Even when I'm there I think to myself "I won't get that now I'll get it later in the week" where is the sense in that!?
So I thought if I sat down and organised a proper big online shop designed to last around two weeks for some things and three or more for others, it might mean I don't spend as much over the month.
My shopping bill online came to £128 ish, I will need more milk and bread, dog food, cat food and a few other items I will definitely get from Aldi, but over all I think I will be definitely on and maybe under budget, well it's worth trying anyway. It also saves time and all that carrying, I also find it really, really hard to stick to the list. Trial run this fortnight and then refine the idea from there, ironing out the mistakes as I go lol
I also sat down today and altered my budget around to take in petrol and a bit of fun, especially with the summer holidays looming. I have decided to slow down in the credit card overpayments and instead of making as big a payment as I can each month, I've decided to pay a set amount over the minimum. At the end of the month (which I will have lived as frugally as possible) I will transfer what's left to credit card payments as well. I think we need to be able to breathe a bit and it might be a tad more realistic.
Well a dry day here today, looked like rain threatening any minute though. Horses all happy and well, as are doggies
Part of my online order was for flour, sugar, eggs etc to make cakes and biscuits in an attempt to cut down in that area of spending. I used to make cake regularly but the weeks turn into months and before you know it it's been ages.
Didn't go out for dinner on Thursday its been postponed till next week so something to look forward to. When I've cleared the credit cards DH and me are going to have pocket money, yay only a small amount but some all the same
Had a bit of fun tonight, been scouring eBay for some equine cheapies, lots of nice Toggi stuff on there :j Ha still on there because I kept my purse firmly tucked in my bag.
So a very big spend day today -tesco but hopefully that should mean nsd for at least two weeks other than my initial aldi shop sometime soon to buy the things I didn't get from tesco.
So...none of my rooms are "ready" tonight, all in a complete mess, will sort out house tomorrow.
I am grateful today for having my family who I love very much and am very proud of.:)
I am thoroughly enjoying my rescue remedy to help with anxiety
I feel calmer and more in control with the way I've shopped today.:)
I am feeling much better about finances.:)
I am looking forward to a lovely nights sleep.

Cwtchie

So approx £44 aldi shop for all the things Tesco didn't have
Will nip out tomorrow for rolls and bananas and then other than milk bread and fruit...thats it for 3 weeks, oh other than dog food which I will get tomorrow also.
Looking forward to lots of nsd's.
Really miserable day, raining and blowing a gale most of the day.
Need to sort out the freezer tomorrow at some point so the Tesco delivery will fit