Cailbhinn's debt journey!

Smodlet

You are headed in the right direction, Cailbhinn. Just keep going and you will get there. Good on yer!

Cailbhinn

Thanks very much.

Today was another NSD which means I've reached my target to get to 8! I get paid tomorrow but going to start budgeting from 1st to 1st each month. YNAB works this way and also it means the five weekly months are spread throughout the year with each month having an equal 30/31 (excluding Feb obviously) days rather than 28 days for the 4 weekers and the killer 35 days for 5 weekers!

[Deleted User]

Well done on the NSD's and yay to the potential overpayment.

Cailbhinn

Thanks pm02!

Amazingly not skint on payday. I know I keep harping on about it but YNAB is brilliant. I suppose any budgeting method would work but this suits me, i.e. easy. I won't be touching my wages until Tuesday and still on course to overpay by a great amount. With Christmas I doubt it will be as high over the next few months but every penny counts!

AleMrsT

Well done on your progress so far! I really couldnt get on with YNAB, I found it way too confusing but I don't really know why. The concept makes perfect sense but I just couldnt get my head around using it. Maybe I'll give it another go as I must have been doing something wrong!

Cailbhinn

Thanks AleMrsT! I find it really easy. Maybe just the way my brain is wired?!

Unfortunately a spend day today as had to pay car parking and get some food but still within Octobers budget on YNAB which I am chuffed about. Car is needing petrol but trying to hold off until Tuesday as that's when new budget starts but doubt I'll be able too. Might need to take it out the remnants of the grocery fund. But this is the beauty of YNAB - moving categories to ensure I stay overall within budget.

[Deleted User]

You're doing really great with the budgeting.

Cailbhinn

Well yesterday the petrol light came on but managed to move some money from entertainment and grocery to cover the petrol. Otherwise it was an NSD despite going out for dinner (friend paid) and going to a movie (another friend paid for the snacks!). Will need to return the favour at some point but that means I've met my target of NSDs since I started this diary a couple weeks back. Today will not likely be an NSD as I need to get supplies for lunches at work for the week but will likely not go into Novembers budget.

PS. Happy Greenwich Mean Time!

NeverUnderestimate

The petrol light is definitely annoying! It comes on when you don't want it to but sometimes goes on forever!

Sounds like you've had a good weekend. And it's great you met your NSD target.

Hope you enjoyed the extra hour sleep!

crunch_time

Found your diary!! Will be following you!

For the last few days I've been contemplating paying for our two cars to be washed at a total cost of £30 and considering that money well spent!

Thanks for the kick up the butt metaphorically speaking!

Crunch