My 2015-2020 timeline diary.........

[Deleted User]

2 days, 2 blooming days..........

Better move it's wee tooshy I am soooooo poor

Just want to know what we have coming in so that I can sort out the amounts I am paying to the CC's.

Know for a fact that the Very will be PIF this month & that literally makes me so happy :T

Still no idea what is going on with my funds right now, it's too close to payday to even think about if I am being honest :rotfl:

Once the wages come in I can write it all down then see what the plans are for the month.

Just realised also that when DH starts his new job he will do a weeks lying time so no wages for the first week.

October is going to be a shocker of a month for us financially.

Will get through it but will be a bit of a struggle.

Dxxx

[Deleted User]

Rocky Horror Show

47.00 - ticket PIF :starmod:
50.00 - spendies(owed to me from friend) PIF :starmod:

What a night!!! Absolutely loved it, well worth the ticket money & we do plan on going every time it tours

Sugar Dumplin

9.00 - meal PIF :starmod:
18.00 - spendies(owed to me from colleague) PIF :starmod:

Was a great wee catch up with girls from work past & present. Ended up being a very cheap night. Paid for the Itison voucher in advance then never spent a penny on the day.

5th Anniversary Adventures

72.19 - HP style steam train journey on Jacobite PIF :starmod:
184.50 - Overnight at Ballachulish Hotel DBB (DH)PIF :starmod:
150.00 - Bonus PIF :starmod:

Notes
23 August 2016 all PIF
Will use 150.00 from my bonus which is in the bank for this.

Eeek anniversary trip is this weekend! Cannot wait.

Dxxx

[Deleted User]

Budget 400.00

50.00 - petrol (350.00 remaining) :starmod:
69.77 - wk1 30 July 2016 (280.23 remaining) :starmod:
51.79 - wk2 6 August 2016 (228.44 remaining) :starmod:
96.37 - wk3 13 August 2016 :staradmin
158.17 - wk4 20 August 2016 :staradmin

426.10 - overspent 26.10 :mad:

Notes
Okay so I am gonna fess up here, not all spent on this card this month was a necessity

Did need lightbulbs, air fresheners, damp preventor thingamybob.

Didn't need a filofax refill, GOT books or tickets to the cycling.

Quite annoyed with myself because in looking at it written down here I realise that that is over 100+ that could have been deducted from the total balance of this CC this month but hey ho, we will live & learn won't we :rotfl:

There will not be a repeat of this next month, so siree.

Dxxx

Misty_Blue

Deleted_User wrote: »

A few months ago I would have just spent that on rubbish that I didn't need just because I would have saw that as 'Free Money'

I'm working my way through your diary, but this post in particular resonated with me. This was exactly me as well. Because I was keeping up with my payments ok every month, and even paying a bit over the minimum, in my head there was no problem at all.. Extra money was "available" to be spent on treats.

Now, I can't wait for OH's pay day this week so I can work out how much I can make as my first extra debt payment. :beer:

[Deleted User]

Aw wee brain twins, we are both changing!

Go us, this is something to be proud of.

Seems crazy to some people who will be like well this is normal, not for us though for a long time.

It is going to be our new normal!

Dxxx

Misty_Blue

Well, you're a good bit further down the progress road than I am. I'm a total newbie who's hoping to change. But they do say that the first step is admitting you have a problem!

[Deleted User]

Yup totally.

I have been doing this a wee while now but I am just getting to grips now with the whole honesty part of it.

I have been kinda kidding myself on over the last wee while, paying off debts but just keeping adding to them - pointless!

We will get there.

Dxxx

[Deleted User]

WI in the morning & boy oh I am no looking forward to it at all.

Just gonna settle down on the couch with the DH & watch some Soprano's, started watching it from season 1 last night.

Dxxx

[Deleted User]

Dh's wages have gone in a day early :j

Sat down & worked out all my bills & made the first payment this morning.

You will all be happy to hear that I am now catalogue free, I PIF my Very account this morning :j:j:j

So happy, once I can see that payment clear through their online account I will have them remove the credit limit from the account then close it down!

Will pay the 4 CC's once my wages go in on the 1 September 2016.

Oh & WW was alright this morning, lost 0.5lbs taking me to a 22lb loss in total!

Dxxx

monz

Congrats on Very free plus half a pound loss !!!:) xx