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Dancing in the Rain
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I am so made up you are going to start using a bullet journal, I have never felt so organised. I spend so much time on youtube looking at the videos which are so lovely but mine is just quite plain with a few journaling cards in it. I also keep my finances in it too (copies of my spreadsheets) lol.
You'll have to let me know how you get on with it, I'm sure it will help with your mojo.
Tink xxAs of 31st December 2018 Total Debt = £15837.59
DEBT 1 - £41.10 DEBT 2 - £257.41 DEBT 3 - £584.12 DEBT 4 - £700.00
DEBT 5 - £655.02 DEBT 6 - £669.18 DEBT 7 - £3448.00 DEBT 8 - £2169.12
DEBT 9 - £2964.25 DEBT 10 - £4349.390 -
I’m still feeling pants but I need to get back in the game because the truth is unless I do it debt wise it simply won’t get done.
I’ve tackled my budget AGAIN FOR THE ZILLIONTH TIME. :eek: Do you ever get sick of looking at the same figures over and over? Anyway, I’m not going to reduce my debt payments after all as I can’t bear to move my DF date beyond 2017.
I can do this. It just means I have to be super organised. To make matters worse I am joining fat club on Wednesday so that expense will have to come out of my £25 food shop and pocket money. So, £20 a week will be hard but possible, especially as I am doing budgeting for a big(ish) online shop once a month in addition.
At the moment I don’t have zumba energy but I should be able to manage yoga so I’m going back to that.
I’ve been reading about a new organisation system called bullet journaling. I’ve yet to start and will probably use a rough notebook before using my lovely more expensive notebook, but looking at blogs on bullet journalling is inspiring me.I think like you Tink mine will be simple. Thanks for the encouraging words
I guess I’m feeling I want change and weight is an outward projection of that. I’ve been looking about 106 for these past few weeks. Fat, tired and in debt. Guess what? I’m not accepting any of those, so I’m working on them all.
Too tired now to catch up on other diaries so going to bed and will do so tomorrow
I hope the weekend has begun well for you MSE folk
DIA xIf 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 -
Don't be sad that you are working on the things that you are not happy with.
Be positive and be proud.I 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 -
If you keep your bullet journal simple it is so much cheaper. Some of the planners out there are so expensive. I just use an A5 journal from Asda which does the trick.
Can't wait to hear how you get on with it. I'm in the middle of putting together a tracker.
Tink xxAs of 31st December 2018 Total Debt = £15837.59
DEBT 1 - £41.10 DEBT 2 - £257.41 DEBT 3 - £584.12 DEBT 4 - £700.00
DEBT 5 - £655.02 DEBT 6 - £669.18 DEBT 7 - £3448.00 DEBT 8 - £2169.12
DEBT 9 - £2964.25 DEBT 10 - £4349.390 -
Thanks beanielou you are right. I am taking the steps that count and I am happy to be doing so
Tink I'm still looking at examples right now but I will start soon and let you know. Your enthusiasm is catching
Tonight I am pleased to have had my last day of work. I am looking forward to my 2 days off now. I will batch cook tomorrow. I don't have a proper menu plan but I'll be cooking/making the following tomorrow:
Chicken, lentil and veggie soup
Red beans, potatoes and pardon peppers
Broccoli
Quinoa
Buckwheat pasta, bacon and tomato sauce (use some for chilli con carne)
Aubergine, cashew meal and meat balls (freeze some)
Buckwheat blinis
Chilli con carne (freeze some)
Cashew milk
So that's me today, getting ready for a new week that will involve fat club and yoga
I hope your Saturday is what you need it to be
DIA xIf 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 -
Ooh....have just googled Bullet journalling.....sounds very exciting and very me...maybe what I have been looking for all this time
Thanks folks xxxxMFiT-T4 Member No. 96 - 2022 is my MF goal
Winter 17/18 Savings Rate Goal: 25% [October 30%] :T
Declutter 60 items before 31.03.18 9/60 ** LSDs Target 10 for March 03/10 **AFDs 10/15 ** Sales/TCB Target 2018 £25/£500 NSDs Target 10 for March 02/10 Trying to be a Frugalista:rotfl::T0 -
PS. Nice menu there DIA...any room for visitors this week
XMFiT-T4 Member No. 96 - 2022 is my MF goal
Winter 17/18 Savings Rate Goal: 25% [October 30%] :T
Declutter 60 items before 31.03.18 9/60 ** LSDs Target 10 for March 03/10 **AFDs 10/15 ** Sales/TCB Target 2018 £25/£500 NSDs Target 10 for March 02/10 Trying to be a Frugalista:rotfl::T0 -
brizzledfw wrote: »Ooh....have just googled Bullet journalling.....sounds very exciting and very me...maybe what I have been looking for all this time
Thanks folks xxxx
Hope you enjoy it half as much as I do, has made me so much more organised.
Tink xxAs of 31st December 2018 Total Debt = £15837.59
DEBT 1 - £41.10 DEBT 2 - £257.41 DEBT 3 - £584.12 DEBT 4 - £700.00
DEBT 5 - £655.02 DEBT 6 - £669.18 DEBT 7 - £3448.00 DEBT 8 - £2169.12
DEBT 9 - £2964.25 DEBT 10 - £4349.390 -
DIA, just thought after reading your post that you could add a menu planner in as well, I have meals at the bottom of each day. Also you could record your weight loss as an incentive, I've seen a lot of people do this.
Hope this helps.
Tink xxAs of 31st December 2018 Total Debt = £15837.59
DEBT 1 - £41.10 DEBT 2 - £257.41 DEBT 3 - £584.12 DEBT 4 - £700.00
DEBT 5 - £655.02 DEBT 6 - £669.18 DEBT 7 - £3448.00 DEBT 8 - £2169.12
DEBT 9 - £2964.25 DEBT 10 - £4349.390 -
Tinkerbelle2000 wrote: »DIA, just thought after reading your post that you could add a menu planner in as well, I have meals at the bottom of each day. Also you could record your weight loss as an incentive, I've seen a lot of people do this.
Hope this helps.
Tink xxIf 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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