Stop overspending and wasting so much dosh diary

lincs1205

Hi sambuca, have subscribed to your diary. Looks like you've done an amazing job already.

sambuca9

Hi Lincs

Thanks, I am quite proud that I have managed to get to this point. Obviously I have had loads of ups and downs but I feel like I am in the final straight of the race to pay off the debt!

I think this site and the people on it basically saved me from myself, I have a self destruct mode sometimes, especially with money. Good luck with your journey

DawnW

Hi Sambuca
Is your ISA one that you have opened this Financial Year (ie since the beginning of April)? If not, check what interest it is paying, as most of them seem to drop to next to nothing after 12 months :mad: None are paying very much due to the low interest rates overall, but if there is some to be had, you might as well have it, and it is easy to transfer

And why not take coffee from home with you in a flask? I for one would feel extremely deprived if I had to go without :eek:

Good luck, you have come a long way and should have no trouble cracking this

sambuca9

Hi Dawn

Yes, the ISA is a new one for this year, I am new to this saving lark so thanks for the heads up on the interest rate drop next year, I will keep an eye on that.

Funny you should say that about the coffee, hubbie just brought me a swanky travel mug for me to use, it was his way of saying well done, which was lovely.

Thanks for the support, I am feeling strong and in control !

12_month_challenge

Hi Sambuca and well done for getting as far as you have.

I am still in the early stages but already finding out that making check lists and budgeting is helping.

I find reading on here is a great help and am inspired by peoples progress yourself included.
If you dont mind me asking did you use the snowballing technique to help you along?

We too have always been lucky enough to service debts but if we don't get on top of it now that wont last. Hence my debt busting plan

As for Aldi I love it lol. have been shopping in there for a while and cant believe the difference in prices.

Have a good day subscribing now

There_Is_a_Light

Good luck with your goals Sambuca. I feel we are similar in the sense that I quite often lose all sense of where my money goes and I have been debt free in the past but have now accrued over £2000 again and I need to get a grip. Having started a new diary I feel much more in control and it is so therapeutic to write everything down and state my intentions.

I am also considering the YNAB app but am put off by the subscription fee.

12_month_challenge

I too have been put off by the fee of buying YNAB.

I am trying to do my own budget with good old pen and paper lol

Just have to put it into action now

Good luck

sambuca9

Hi

12 month - yes I did the snowballing for my debts, but I started by paying on a couple of small annoying ones to give me a psychological boost!

YNAB - they do have a free 34 day trial and if you do their online webs they give a free copy away at the end of each one, I am doing them and hoping to win a freebie!! I have budgeted for it if I dont with the money I am saving through not buying a daily coffee!!!

Have a great weekend people

12_month_challenge

Thanks Sambbuca

I have done my snowball balance order first to start with clearing the smaller ones first. I'm hoping that will push me along and give me a buzz when I can close them down

Good luck and Thank you

sambuca9

Everyone is out today so I have a rare "on my own to do what I please" day :j

Targets for today:

1. Keep watching the athletics
2. Make lunch, then eat
3. When athletics has finished, change channel to watch the footie
4. Make dinner, then eat
5. Contine reading and posting on MSE

This will be sprinkled with the odd glass of wine during the day as well I think!

Hope everyone is having a great day