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Dancing in the Rain
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So there is no fruit, chocolate, nuts or salad vegetables left in the house and that should be fine as I can replenish on Thursday and yet I am feeling nervous. My hormones at the need to eat stage of the cycle, but It isn’t that I am hungry just I always like to have healthy food in the house.
I’m not sure what happened as I had an excellent food plan. I think it was just too hot to cook much so I went off plan
Anyway determined to complete 4 NSDs in a row so I will just have to get on with it.
Off to make a cup of tea
I hope you all had a lovely dayIf you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 800/1000
Buffer fund 0/100
Debt Free (again) 25/0720250 -
Hope you are going to update your signature soonI am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
Morning campers
My 4th NSD in a row today. The £20 I had on Sunday I still have, so tomorrow I will feel rich as I will have a whole £20 available to spend. I will be so happy tomorrow to be able to buy some chocolate
I decluttered 2 jackets I barely wore because they were too tight. Now they fit and I don’t know why I kept them
Decluttered a Fortnum basket that has NEVER closed properly. Why keep items that constantly annoy me?
This morning I will be catching up on my ironing —I will be burning eucalyptus oil —taking stock of my freezer —cleaning my loo —steam cleaning kitchen floor.
Tomorrow I will need to face the heat and the chaos of rush hour but today I am WFH
Have a positive day everyoneIf you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 800/1000
Buffer fund 0/100
Debt Free (again) 25/0720250 -
Morning campers
I kept to my target of 4 NSDs. :T
Yesterday, I only did half my ironing and I did not steam the floor or clean my loo
Pay day is approaching. I usually have a flurry of debits that go out just before pay day and I hold my breath hoping they will not go through until pay day. A few months ago I miscalculated and had my first overdraft fee for more than a year. This month there is no drama and my whole salary belongs to me.
I ordered my online shop yesterday. It will arrive at the beginning of next week. I spent £75. I bought lots of frozen fish and grains as well as household necessities. I will have £75 left in cash for fresh fruits, veggies and protein. This is quite a tight budget for me. My plan is for all my fruits, veggies and proteins to be YS this month.
I not going to buy alcohol this month. It takes too much of my food budget and leaves me feeling rubbish. I have lots of fizzy water being delivered. If I feel like a treat that with sprigs of mint and slices of lemon will do me, especially in this heat
I am going to make my upcoming salary work hard this month.
I have the £20 I had on Sunday. After fares I will have £12 to spend. I will be buying a Lindt chocolate bar for £2 and then I will have £10 to spend. It feels like a lot.
Feeling kind of rich today
Have a positive day everyoneIf you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 800/1000
Buffer fund 0/100
Debt Free (again) 25/0720250 -
I hope you choose something really nice to spend your £10 on! Isn't it funny how you'd easily spend £10 on junk/ nothing but all of a sudden when you haven't been spending and you're budgeting, you feel like the richest woman in the land? Fab! I hope you enjoy the decision.
Also, I think the no alcohol thing is a good idea to do once in a while, both for health and for budget reasons. I'm not really a wine drinker (the odd prosseco on a special ocassion) but I do enjoy a gin. I often get special gins as a birthday present etc so if i fancy a drink of an evening (now and again), I have a bottle of 48p tonic in the cupboard from Aldi so it's a low spend treat, rather than opening a £8 bottle of wine, which then also would encourage me to finish it rather than waste it!
Last night, my sister and my mum were round and we all had a gin with my 48p tonic, gin from the cupboard and a slice of cucumber in it from the fridge. A nice, pocket-friendly way of enjoying a drink with the familyCC1: £4481.14/ £5031.14 (12% paid off, £600) | CC2:£3307/ £3807 (14.4% paid off, £550) | Loan: £10,528.20/ £15,792.30((33% paid off, £5,264))
July debt total: £24,630.44 | New debt total: £18,316.34 | Total debt paid: £6,414.10 (26%)
*My debt busting and savings diary*0 -
Four NSD's in a row is amazing. It's something I struggle with even when inspired by others.
I'm another one not buying any more alchohol when tonight's lot is gone. I have drunk more in the hot weather. Fizzy water with mint and lemon sounds lovely. Another idea which may be borrowed.1 debt v's 100 days chapter 34: T3sco bank CC £250/£525.24 47.59%
[STRIKE]MBNA - [/STRIKE]GONE, [STRIKE]CAP ONE[/STRIKE] GONE, [STRIKE]YORKS BANK [/STRIKE]GONE, [STRIKE]VANQUIS[/STRIKE] GONE [STRIKE] TESCO - [/STRIKE], GONE
TSB CARD, TSB LOAN, LLOYDS. FIVE DOWN, THREE TO GO.0 -
I often get special gins as a birthday present etc so if i fancy a drink of an evening (now and again), I have a bottle of 48p tonic in the cupboard from Aldi so it's a low spend treat, rather than opening a £8 bottle of wine, which then also would encourage me to finish it rather than waste it!If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 800/1000
Buffer fund 0/100
Debt Free (again) 25/0720250 -
I'm back from a party. It was one of the parties where people circulate and people serve you and everyone looks polished and sounds exceptional except me
It was in the gardens of a museum. I usually avoid these events like the plague but I went because a very dear friend wanted me there and sometimes I need to get over myself because not everything is about me.
Anyway, I thought on the train home how nice it would be to reduce my debt so I have. So now it is a good day because my debt has reduced to £8,882 I'm pretty sure I can get the £882 down a few hundred too. I need to think about it properly so I do not overstretch myself and end up with a miserable month ahead.
I ended up picking up a few bits at Lid1. It came to £24 :eek: True, I have a 'big shop' arriving on Sunday, but I only have £51 of my food budget left for a month :eek:
I did what I said I would do today. In my book that makes today a success
I hope your day was a success in some way too. Happy weekendIf you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 800/1000
Buffer fund 0/100
Debt Free (again) 25/0720250 -
doingitanyway wrote: »I'm back from a party. It was one of the parties where people circulate and people serve you and everyone looks polished and sounds exceptional except me
It was in the gardens of a museum. I usually avoid these events like the plague but I went because a very dear friend wanted me there and sometimes I need to get over myself because not everything is about me.
Anyway, I thought on the train home how nice it would be to reduce my debt so I have. So now it is a good day because my debt has reduced to £8,882 I'm pretty sure I can get the £882 down a few hundred too. I need to think about it properly so I do not overstretch myself and end up with a miserable month ahead.
I ended up picking up a few bits at Lid1. It came to £24 :eek: True, I have a 'big shop' arriving on Sunday, but I only have £51 of my food budget left for a month :eek:
I did what I said I would do today. In my book that makes today a success
I hope your day was a success in some way too. Happy weekend).
Isn't it strange how things plod along then the mind becomes obsessed on debt. There is nothing wrong with a bit of focus though.
Tomorrow will be a success tooI'm sure. Have a good weekend.:)1 debt v's 100 days chapter 34: T3sco bank CC £250/£525.24 47.59%
[STRIKE]MBNA - [/STRIKE]GONE, [STRIKE]CAP ONE[/STRIKE] GONE, [STRIKE]YORKS BANK [/STRIKE]GONE, [STRIKE]VANQUIS[/STRIKE] GONE [STRIKE] TESCO - [/STRIKE], GONE
TSB CARD, TSB LOAN, LLOYDS. FIVE DOWN, THREE TO GO.0 -
parsniphead wrote: »You want to try being Black Country girl from DudleyIf you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 800/1000
Buffer fund 0/100
Debt Free (again) 25/0720250
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