A Ditherer's Diary (again)

Naomim

Thank you @GeorgianaCavendish and Happy New Year to you too!

I do use MSE credit club but haven't been approved for much so not applied. My current cc's usually offer something although Barclaycard steadfastly not at the moment. 

I also have the Emma app but only use it for looking at figures. I should investigate how to use it more! 

moving_forward

I'm sure your smash that target in 2022.
Maybe we can both be debt free by 50 in a few years 😊

Naomim

I hope so @moving_forward wouldn't it be lovely? I have a bottle of Moet waiting. 😊 

moving_forward

Ooh posh ain't you 🤑
Of course I am slightly cheating as I have longer to go and less debt but @22K it's still daunting. 

moving_forward

I need to update my diary but shall wait till I'm not under the influence.
Hope 2022 is kind to all x

Naomim

moving_forward said:

Ooh posh ain't you 🤑
Of course I am slightly cheating as I have longer to go and less debt but @22K it's still daunting. 

Oi cheeky! 

The moet was a gift so I thought I'd hang on to it for a special thing. I couldn't think of anything better than being debt free! 

Happy New Year to you too. 🍾🥂

Naomim

Ynab completed ready for January. Already over budget and not even completed all the categories so that really tells me I'm leaking money and need to identify where.  So January will hopefully be a frugal month with lots of nsd's to start reigning it back in. 

Told a couple of my work colleagues about my tilly tidying plans and one of them is going to join in. 👍

WinterWarrior

The more, the merrier 😁

Naomim

Happy New Year all 🥂

I've been to MrT's today and done a shop. I'm hosting in-laws for lunch tomorrow. House needs a major clean. MrM has taken down the Christmas decs so I can crack on.

Logged onto ynab and updated totals. MrM had a punctured tyre yesterday so transferred money from the car maintenance pot and we went out for a curry last night so also transferred from the eating out pot. That's it, no takeaways or eating out for January so I need to be on the ball with meal planning. 

I hope everyone had a nice evening last night. We went to the in-laws and played cards and let off a pitiful few fireworks at midnight. I have a headache today but only had one small baileys so assume its tiredness and staring at the very messy house today 😬

Naomim 

moving_forward

Naomim said:

Happy New Year all 🥂

I've been to MrT's today and done a shop. I'm hosting in-laws for lunch tomorrow. House needs a major clean. MrM has taken down the Christmas decs so I can crack on.

Logged onto ynab and updated totals. MrM had a punctured tyre yesterday so transferred money from the car maintenance pot and we went out for a curry last night so also transferred from the eating out pot. That's it, no takeaways or eating out for January so I need to be on the ball with meal planning. 

I hope everyone had a nice evening last night. We went to the in-laws and played cards and let off a pitiful few fireworks at midnight. I have a headache today but only had one small baileys so assume its tiredness and staring at the very messy house today 😬

Naomim 

It was the fireworks 😂😂😂