Joined 31.05.16

Poor_Single_lady

Spent £21 on primark. 3 bits for work. Essential. The work wardrobe is looking increasingly shabby. The rest of my life is ok for clothes and even if it wasn't it would have to hold.

Then a whopping £22 in tesco
£6 liquitabs for washing machine
£2 orange squash
£2 washing up liquid
£2 baked beans and timned tomatoes
£2 toiletries
£5 sink unblocked

Might have to nip to sains tommorow as well. Not sure.

Pizza for tea tonight
Then sausage rice, peas monday
Tues at work, take lunch then spaghetti bol for tea.
Wed - take lunch then spag bol again
Thur- lunch out then beans on toast
Fri-take lunch then fish cakes

Need to be lean this week. The bits I bought today are essential for normal life tho so I don't think i could have done without them.
Total spent £43.

Planned spend for the week.
4x £2.40 tube journey after work if its hot, raining or late
Lunch on thursday/split bill
Top up shop friday
Possible top up shop monday - I could prob do without this, may put off to next week.

The loan repayment date is 28th so if it wasn't for it being a sunday I would have paid £153 to this meaning just 13 payments left and a new balance from original amount of £5600 to £1990.

Kind of need to see how things look at the end of the week, although I know its tight without looking.
Will see what the week brings and how this looks this time next week. xxx

[Deleted User]

Hey PSL,

Just caught up with your diary, you are doing super smashing great lady!

Your plan for each week will help, we do the same with the food so that we only need to do one shop per week. Might need to nip out once or twice during the month for a wee top up but that can't be helped & it all works itself out in the end!

Dxxx

Poor_Single_lady

Thank you so much Dolly. It feels like a real fight this month. I feel like I am the only person looking at the calendrer and wishing we could fast forward 4 weeks to next payday.

Surprise nsd today. Had the spending itch but then went to My friends house. Now home.

Will need to do tesco tomorrow. Low spending tho.
Then lunch Thursday.
Then food shop friday/saturday.

No alcohol this week so saving there.
Predict £10 tesco £18 lunch £15 food shop fri/sat
Plus tube journeys.
Total £55 to sunday
Simple on paper, harder in reality.

September 4th is Sunday so will see what happens in between now and then.

Need to stay out the overdraft and keep an eye on the credit card that is in use. This is the first month to have no overdraft charges to pay and not get the big red warning banner on the internet banking.

This bank holiday has slowed everything down and getting paid early makes it feel like ages until the bills are paid. Lots to still come out. Most should be paid by friday, then be in a better position to see.

Need to just carry on quietly and not overspending or doing anything reckless or unwise. Its definitely gritted teeth time but it will be worth it. 2 days left in august then 26 in september to payday. So 28 days to be good. I managed today so maybe it is possible. Nothing social this week but work is beyond wild so I see a few long days at work this week.

Good luck to all on banishing the debts and extra luck to everyone with an equally horrid loan. xxx

[Deleted User]

Great news on your NSD.

Those always help.

28 day will fly by, we just need to stay focused - which we will!

Dxxx

doingitanyway

I've been where you are. You'll be looking back on this soon too. Keep going. You are doing great

Poor_Single_lady

Thank you so much for the support. Its a push to stay focused. So appreciative!:T I truly love the milestone inn in the debt free wannabee. Find it so helpful and so inspirational. I think it has helped me A BIG LOT.

Today
Spent £6 at Tesco.
Plus tube journey
Should be just tube journey tomorrow.
Then its thursday 1st and only 25 days left to be good.
116 days to christmas and to get to my plan of improvement.
Not much to report, not spent on credit card since 21/08 and no plans to till 9/9/16 when it is unavoidable.

Credit card Current balance £1750
Loan £1991
Not in overdraft
Other credit cards x3 going down slowly

That's kind of it for today. 4 weeks to payday. Xxx

[Deleted User]

I find it amazing that you have managed to stay out of that overdraft!

Well done PSL.

I love the milestones aswell, so good to see people celebrating their achievements in this DFW journey.

Dxxx

Poor_Single_lady

Aww. Thank you Dolly. I did put on the credit card tho! Topped up my oyster travel card from bank account and not credit card. This sounds tiny but is massive progress. I was pleased with this. Have around £400 in the bank account but a large chunk of this is already allocated.

Besides travel which is in budget today was nsd. 3 and half weeks to pay day. 26 days left to be good.

Bake off wednesday tonight. I only have freeview so have to watch when its on.
Tomorrow thursday and then a welcome weekend. Low spending all round is the plan.

Poor_Single_lady

Went for lunch today £19. But it was good and planned for.
Paid in cash.

Credit card £1750
Loan £1991

The other 3 coming down.
25 days left in september till the september pay.

I think in the last week I have been asked about 18 times if I am going on holiday. Very annoying.
NO HOLIDAYS TILL 2017 IS A MUST.
Work is long at the moment but its keeping me out of trouble and out of the pub.
Food shop tomorrow or saturday.

A little bit in the bank and a few bills still to be paid.
A few work things have gone into the calander so I am not being as good as I would have hoped. But one is a ladies lunch and they are important and one is drinks for a young persons birthday so I kind of think both are important. I love going for lunch with a few of the ladies at work and catching up at the pub. and i think that people under 25 should get to celebrate their birthdays with collegues and people should make effort for that because it's important.
So those have both gone in. Will see what each brings.
Next week I have a planned pub visit, but im thinking about not going. Have not had alcohol for 10 days - I think so feel much better about everything not drinking. Im not sure if I would be happier not going and saving money.

Very tired tonight. Bath, internet banking and bed for me. xxx

Poor_Single_lady

Today was a bit tricky. Didn't organise lunch so £3 spend here BUT work is so busy and so much going on. Its taking up all of my energy and im not going to get upset about this small spend.
Came home stressed and went to sainsbury. Not been for months because its been all lidl and iceland.
Spent £44 on food plus £8 on 2 cds £22 work dress, £10 foundation, £6.30 essential toiletries.

Got non essential things like yoghurt and coleslaw, quite a lot of chocolate, babybell cheese, cake, bacon, biscuits, crumpets

And essentials milk, baked beans, cheese, pasta, fruit, chicken and mince for cooking and goujons. I will need to pick up veg from lidl to make spag bol and curry for freezer.

Have to admit the fridge looks epic! Not very mse compliant!
It is a bit of a splurge but all useful and all will.get used and eaten. In times gone by I would be splurging money and downing various alcohols right now so this is a massive improvement. There were work drinks wed, thur and fri this week but I didn't go to any. It was a massive struggle today but i managed to go home instead so I am happy with that. I think its good for me lowering my alcohol intake if only temporarily.

Very pleased its friday. Quiet weekend this weekend. After this gruelling week at work I can see myself doing nothing more tommorow than watching dvds, cooking and sleeping. xxx