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I want to stop drowning

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  • debtaghh
    debtaghh Posts: 1,798 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Morning ,

    Well yesterday went to plan, my friends bought sandwiches from the shop but I had my lunch with me. I didn’t spend too much and used my boots points towards presents. I have a friend round today so should be a nsd.

    I need to:

    Check finances
    Hoover
    Do work for business
    Sort lists out- I have lots of jobs to do but just put the ones that definitely need completing today on here.

    Have a lovely day.
  • Sounds like you are winning at this frugal life.
    Hope your Tuesday is just as successful.

    Wish.
    Outstanding mortgage: £23,181 (December 19)
    MFW 2020 Challenge Member #10 0/£2318
  • debtaghh
    debtaghh Posts: 1,798 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Morning,

    I’ve had a busy morning already but beds have been stripped and are urgently in the washing machine, hoovering is done and bathroom surfaces have been cleaned.

    I’ve been really thinking about money and really want to think of a way to make a good income working from home. This would help now and even when my youngest goes to school but I’ll need to have a think.

    Have a nice day everyone .
  • debtaghh
    debtaghh Posts: 1,798 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    I spoke to the person I’m in business with and they have said we have some good stock coming in and that will make us a bit more money. I made a £50 payment towards my Tesco cc and from other payments that I’ve made this week I’ve got it to £570. It would be lovely to clear by the end of the year but will have to see how good this new stock is!
  • debtaghh
    debtaghh Posts: 1,798 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Morning,

    I have a busy day but a nice day where I’m being treated to lovely meals.

    I made some amazing sales yesterday which means I have what I need for November salary already. I will then start focussing on December. When I have that I want to pay a small amount towards the debt.

    I’ve updated my signature to show recent payments that I’ve made.
  • debtaghh
    debtaghh Posts: 1,798 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Morning,

    I have a family day out today but money has been allocated for it. I’ve worked out that over the next two months due to festivities we will be spending quite a lot on eating out so what I’ve done is cut my actual food shop budget. For the next two weeks I have £90 left for food which should be fine. It’s so hard being on a budget at this time of year.

    Have a lovely day everyone x
  • debtaghh wrote: »
    Morning,

    I have a family day out today but money has been allocated for it. I’ve worked out that over the next two months due to festivities we will be spending quite a lot on eating out so what I’ve done is cut my actual food shop budget. For the next two weeks I have £90 left for food which should be fine. It’s so hard being on a budget at this time of year.

    Have a lovely day everyone x

    You will have a fab time today, it's all accounted for spend wise, just don't go mad.
    Don't feel down about being on a budget, everyone has one, some are just bigger than others, some people have flexible budgets, others never stick to theirs.

    Budget is a bit like diet, where it needs to have a qualifying adjective. Everyone has a diet, it's just some people have an unhealthy diet, some are following a low fat diet. It's the same with budgets. A low spend, high save budget or a flexible budget or an unrealistic budget.

    Please don't think that once your debts are paid off you will no longer be on a budget, you will. It will just be a higher save budget or a more flexible budget.

    Wish.
    Outstanding mortgage: £23,181 (December 19)
    MFW 2020 Challenge Member #10 0/£2318
  • MrsSave
    MrsSave Posts: 1,817 Forumite
    Tenth Anniversary 1,000 Posts Name Dropper
    I hope you have a lovely day out too. Fingers crossed we can both post tonight that we have stuck to our budgets!

    The next 2 months look expensive here too. Lots of Christmas activities coming up!!
    Starting a new debt free journey
    Starting Debt: £5,250
    Current Debt: £4,995.50
    Amount Paid: £254.50 Percentage Paid: 4.84%
    Emergency Fund: £350
  • System
    System Posts: 178,351 Community Admin
    10,000 Posts Photogenic Name Dropper
    Enjoy your day out , you are doing great .
    This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com
  • Morning Hun,

    I know what you mean about budgetting at this time of year, I find it difficult too.

    Well done on the sales and the cc payment, I'm sure you'll smash that cc in no time.

    Have a great day today, hope the weather stays dry for you xx
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