A Diary of Reinventing Ourselves
in Debt free diaries
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he does everything to do with eating you do the rest.
does he expect to feed the family on a jar of chutney and a pack of pops.(presumably the pre cooked not the raw that are dirt cheap).
That's what I've decided for my hubby but his allowance is for petrol and his fun. X
Loan 2 £300/£5800
Also use Lidls or Aldis if you can as they are so much cheaper and the food is really good too.
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Do you have access to online banking? If so, I would suggest that the day the car payment us normally paid, you transfer the total of that amount to pay off some of the debts. How you do that is up to you, apportion pro data to each debt, pay off the highest rates, or if you have a card with a small balance, clear that, the choice is yours. I have become quite anal in dealing with things & have a number of accounts which have money transferred into every month on payday, including one for my credit card which has money transferred every time I use the card. I view it as no longer my money, so if it is out of my current account, I have that much less to spend.
Have you considered using a bank which pays you? I have a Santander 123, ok it costs me £5 a month, but that is more than covered by the cash back & interest I receive. It may be worth looking into & if you are in a position where you get enough cash back, it could be used as a treat, even if it only buying a pizza & bunging it the oven & having it with salad, a family "picnic" on the floor watching a film, a bit of quality family time which is priceless.
I will continue to read your diary, even if I don't contribute, I will be rooting for you in the background, so keep positive, you will encounter hurdles, but they are there to strengthen you, so view them as a challenge rather a deterrent.
Good luck and HTH
OS WL= -2/8 ......CC =00......Savings = £13,140
If you don't have the manual, Google is your friend
Actually, I'm hopeless at ironing. His shirts are not too great and I am expecting some comments. The sleeves - oh, the sleeves. How do you get creases out of those? They're so skinny that you just end up putting in deep creases. Oh well, perhaps it can be a new fashion - the falling out of bed look. And the second thing to be the bain of my life - duvet covers. How? Just how? I folded them up but the other side just looks as bad as it was - despite turning it over multiple times.
On the great side, I was able to turn the heating off all night - ironing is hot work.
I am acutely aware that there are several comments above I want to absorb and take on board but I will do that tomorrow. I'm exhausted and need some sleep. Been another tough day.
I need to eat better next week. When I get stressed I get abdominal pains that can last for six weeks at a time. Haven't had a flare up for about two years but sensed it might be coming back tonight. Need to get the old nutribullet out tomorrow although it's quite expensive to run.
By the way, a poster sent me a message tonight pointing out that I had mentioned the name of my husband. Actually it's not his real name - it was an adopted one as I know I can't call him husband for the next few years. But I was so touched that someone would take the time to let me know. How kind is that!! This forum really is such a wonderful place for people needing some support. I wish more people out there knew about it.
Goodnight for now.
Brilliant the ILs are in board. Really generous and their timing is magic.
Onwards and upwards!!! :T
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::T