Taking control

takingcontrolatlast

The weeks are flying by and not enough time in the day!

Work was pants yesterday - ive gone from being in a job for over 10 years to a new role so feeling the pressure a little - which i need to improve on. I really do feel like ive got a lot on - need to improve my stress levels.

Noddle report showed ive got another a year before one of my creditors disappears and i thought it was this year :mad:

It's a week since i wrote my list and if i wrote it again it would be more or less the same :rotfl:

i managed to pay off loan which was the first on my snowball list to get out of debt so I'm pleased with that and its spurred me on to achieving my next goal - providnet.

Ive started an emergency fund - desperately needed as part of my budget management.

Roll on pay day!

takingcontrolatlast

My weekly update..

Pay day came ... and went... bills/debts paid. DDs set up.

Budgeting on track.

Ive joined a gym :eek: I had to for my health! Ive had multiple health scares over the years and ive tried to lose weight myself but lose motivation - my skipping rope went out the window and yes i could walk but been there and done that. Though still continuing in my lunch break. I got a good deal and I'm looking at it that i'm investing in my health. It will also help my stress levels.

There is slow progress on improving the house partly because of weather for outside jobs and me having no energy to actually get up and do jobs :rotfl:

I think I need to set myself small targets..

Targets for May

1. Attend the gym after work at least 3 times and once a weekend
2. Continue taking packed lunch to work as slipped a few times
3. Achieve as many NSDs as possible
4. Pick a room in the house and finish it !

I wish i had a magic wand and it would all go away!

takingcontrolatlast

Dear Diary,

I'm not doing very well at all. I had to spend my EF so that's now depleted (my own fault) so need to start that again.

I also withdraw money out of my bank and forgot to leave my DD for phone bill in. Ive never missed it so I'm soooo frustrated by my stupidity! This means I will now be charged :mad: I dont know what happens as regards my bill in that will they contact me, do i pay double next month.... im just not sure?

Ive been gym and still meeting my May targets that i set.

Ive been invited to an event that I just cant afford to go to. I did say that its unlikely i can go but still getting pressure to attend.

Not happy with this post, must do better!

takingcontrolatlast

I'm doing well with NSDs - achieved about 10/14! Still taking PL to work, still going the gym. Still strugglng lol

I'm feeling quite fed up with my life tbh... i'm making some progress but not quick enough... as i said before wish i could wake up and the debt be gone. I cant remember what its like to have no money worries let alone day to day worries. Where has my positivity gone?

I know there are a lot worse off than me and I do have a lot to be thankful for... just cant shake this negativity off :mad:

Its the unexpected things that cost money that sets me back eg family over from canada so we have to meet up and its in a pub which is convenient to everyone so thats an expense, a night out that im being forced to go to and genuinely cant get out of thats an expense. Id previously spent my EF pittance and thats depleted so need to build that up again.

I'm also cheesed off with myself in that i had to take out a small loan to get buy - im supposed to be decreasing my debt not increasing it.

Roll on pay day.. but even then its to go to debts and bills. What a moaning post this is.. i'm signing off as making myself more miserable

takingcontrolatlast

Today is a new day and feeling a lot brighter.

I met the family from Canada last night and it has lifted my mood. Lets get things into perspective - family is what is important!

I sorted my fone bill out - paid it and everything ok and bank isnt charging me. I need to get the DD date changed when my contract runs out in November to pay day!

I couldnt sleep last night and was looking through MSE and have been spurred on again - thanks MSE :money:

judi24

Just been catching up - you are doing well - it is hard going but we will get there!!!! Family is whats important and is hard to say no to family events - I guess the important bit is trying to pull back in other areas to balance the budget! Not easy though!!!


Like you I have some real dips in mood about money etc - but 'talking' about it on here definitely helps - its nice to know that other people have similar feelings! - keep going!

takingcontrolatlast

Thanks for poppin in Judy

I'm in for the long haul with these debts unfortunately but i am making progress to where i was 6 months ago. This year i set myself a goal of paying my family back (as well as maintaining paying all the others). I went ft in work but the increase in pay is going towards bills/household rather than debt busting/snowballing which is what i had originally planned - but the bills were in arrears and are getting back on target now.

I seem to be ok with money saving ideas but raising cash i'm stumped with - gotta work harder with this :eek:

This week NSDs have been great. Joined the flylady thread which is spurring me on to sort this house out but tbh its a challenge as i come home from work shattered!

Not been the gym this week with one thing and another so need to get back in the routine - starting tomorrow :rotfl:

My freezer is now containing more "left overs" but the family just doesnt want them! - how frustrating!

DD1 & DD2 have exams next week so best of luck to them both xx

Family BBQ today - weather rubbish typical !

takingcontrolatlast

Dear Diary,

Not been on in a while as tbh as i havent had much to report and i have been busy with work and feeling totally shattered.

Seemed to have lost my mojo for a while.

Ive done quite well with budget this month in that my purse isnt empty atm. However, I still need to get to payday next week but on a positive the car is half full with petrol and just need to top up at the weekend with food. Freezing leftovers is just not working for this family so going to cut back on quantities made and be more resourceful that way. Im still taking lunches to work and having NSDs but lost count this month.

Ive given up with Eb*y - its just not for me. I thought it might be a way of making extra cash. Im just going to have to be stricter with my budgeting in trying to reduce debt quicker. The snowballing of the debts hasnt gone as I had planned but not giving up this goal as its keeping me focused - that and the 1% challenge. I'll keep chipping away lol

takingcontrolatlast

I'm not doing good i'm afraid - too many problems at the moment and my head all over the place. Ive taken my eye of my goals and have not stuck with my budgets. It appears when im not coping everything suffers - I think I go off the rails - no excuses i need to sort myself out.

With that in mind ive managed to pay majority of dds with the exception of my mobile which is due first week in July - I'll see what i can do before its due - £16.72.

I need to "find" bank charges - £31

I need to "find" debt repayment due end of June - normally pay £20 but may just make a token payment - its already showing on credit score as LP for months (not too bothered as credit score at its worst at the moment). The only problem is the phone calls chasing me - i'll ignore them.

There's enough petrol for a week and cupboards/fridge/freezer stocked for a week +. Have budgeted for food and petrol for a month.

I'm going to count my coins and put them into money bags and bank - not that I have a lot.

Ive cancelled my dd for gym this month - will have a break.

Need to find money for DD2 as she goes on holiday in 2 weeks and i owe her money so would like to give her some back.

I have been invited out next week but will cancel.

I do know that the cc i have will increase its limit mid July - i may have to borrow although this option will try and be avoided.

Im reading threads to get focused again - i was doing well when i logged on everyday - going to get back in the habit.

20p: £2.40 10p: £4.80 5p: £4.60 2p: 96p 1p: 67p

takingcontrolatlast

takingcontrolatlast wrote: »

With that in mind ive managed to pay majority of dds with the exception of my mobile which is due first week in July - I'll see what i can do before its due - £16.72. i changed dd payment to pay day

I need to "find" bank charges - £31- outstanding

I need to "find" debt repayment due end of June - normally pay £20 but may just make a token payment - its already showing on credit score as LP for months (not too bothered as credit score at its worst at the moment). The only problem is the phone calls chasing me - i'll ignore them.paid

I'm going to count my coins and put them into money bags and bank - not that I have a lot.[COLOR="rgb(255, 140, 0)"]done[/COLOR]

Need to find money for DD2 as she goes on holiday in 2 weeks and i owe her money so would like to give her some back.[COLOR="rgb(255, 140, 0)"][COLOR="rgb(255, 140, 0)"]:eek:[/COLOR][/COLOR]

Well its going to be a hard month financially - determination is kicking in at last.