Was going to have a month off but something Welsh Kitty said struck a bell. Will hopefully clear cc1 this month. Count me in - can I have no 13 please.
Fab challenge, however will be making the most of my last month of box sets - otherwise will cut down fbook use.
LBM 13039 1.1.13 Now £0 Finally Debt FreeMortgage free Oct 2019:)EFund/savings £25000 10/11/22
Oh me please again. January was a bit of a mess but cam out ok. So need to be kept on the straight and narrow. Can't wait to join in again. Is number 14 still open Ta
DEBT 03/23: CC 463743184100580055005900 5226 :c Family 1380 0 , MAY Extra money earnt £0, NSDs 0/20
Yay! It's almost payday!!! As I've sat down and budgeted February I thought I would come on here and declare my goals for the month ahead. Once I've written it all down then I've committed myself and will stick to it.
[*]What is important to you? My chosen focus for February is work-life balance, and making sure that I commit to only a fixed number of hours per week. Otherwise I will burn out. [*]Cut back to the basics. Be austere. No fear with this, we're about £1000 down in cash for the month ahead. Meals are planned, bulk shops for people and cats are ordered and I'm crossing everything that we survive the 29 days [*]When is your Debt Free Date? No debt free date, but an aim to break even Food: Set your budget and stick to it. Can you reduce it by 10%? Monthly food and cat food shop ordered. I'm hoping that this will help me to cut my grocery bill. Every penny has a purpose and a job. I have a few extras to find money for this month. One set of cat vaccinations, a new pair of shoes for ds and one outing planned. I never get a night out and want to make sure dh and I reclaim a date night at some point. YNAB is done and it's tight but doable. Buy a homeless person a tea/coffee; donate to a foodbank or the trussell trust; volunteer. I will donate to our local foodbank. Recharge your batteries. This needs to be r&r with my crochet/knitting/light workouts, and sleep of course. Use what you have before replenishing Plenty to do here. Avoid the virus that puts the over-riding feeling of ‘want’ beyond what you actually ‘need’. Mindfulness... Reduce your outings. I didn't have any outings in January but have one, or two planned for Feb. One is already paid for, but date to be set (Groupon) and the other is about having a date night with dh. Yellow stickers are your friend. I'm happy to aim for 16 nsd's to keep me on the straight and narrow.
Replies
New roof and car £8557/£19003 New kitchen £396/£5039 Credit card Paid Student loan Paid
Fab challenge, however will be making the most of my last month of box sets - otherwise will cut down fbook use.
I'll post all my budgets on the 1st.
Fashion on the Ration 28/66
Advance warning. I am not reducing my outings. I need to go out more - i am still owed one outing from the challenge two (possibly three) months ago.
You can have all the outings you like, mothernerd!
[*]What is important to you? My chosen focus for February is work-life balance, and making sure that I commit to only a fixed number of hours per week. Otherwise I will burn out.
[*]Cut back to the basics. Be austere. No fear with this, we're about £1000 down in cash for the month ahead. Meals are planned, bulk shops for people and cats are ordered and I'm crossing everything that we survive the 29 days
[*]When is your Debt Free Date? No debt free date, but an aim to break even
Food: Set your budget and stick to it. Can you reduce it by 10%? Monthly food and cat food shop ordered. I'm hoping that this will help me to cut my grocery bill.
Every penny has a purpose and a job. I have a few extras to find money for this month. One set of cat vaccinations, a new pair of shoes for ds and one outing planned. I never get a night out and want to make sure dh and I reclaim a date night at some point. YNAB is done and it's tight but doable.
Buy a homeless person a tea/coffee; donate to a foodbank or the trussell trust; volunteer. I will donate to our local foodbank.
Recharge your batteries. This needs to be r&r with my crochet/knitting/light workouts, and sleep of course.
Use what you have before replenishing Plenty to do here.
Avoid the virus that puts the over-riding feeling of ‘want’ beyond what you actually ‘need’. Mindfulness...
Reduce your outings. I didn't have any outings in January but have one, or two planned for Feb. One is already paid for, but date to be set (Groupon) and the other is about having a date night with dh.
Yellow stickers are your friend. I'm happy to aim for 16 nsd's to keep me on the straight and narrow.
Working hard to pay off my debt
Time to take back control
https://forums.moneysavingexpert.com/discussion/6290156/crazy-cat-lady-chapter-5-trying-to-recover-from-the-pandemic/p1?new=1
Must try harder
Pay off £7000 - £1743 - 19.4%
Make £2021 extra income - £99.75