Debt Demolisher

motivated

Thanks willing to learn I agree that any money back is better than nothing. The way my luck goes I'll probably just get my bus fare home :rotfl:

As for PDLs. I don't have a history with them thank god except Wonga from years back before I had my LBM. Now I'm on LBM 72 . The end of January is not too far off so I will find out the amount I'm getting soon enough. Have to keep an eye on the bank
M

motivated

New Year's Eve tomorrow :eek: Another year gone. Wow time really does fly.

I'm not one for making resolutions but under the circumstances I will vow to stay on track and do whatever damage I can to the debt. Keeping track of finances regularly. Overpaying a few pennies here and there because every little helps.

A family tradition at midnight on new year eve is to open both the front and back doors. Let it blow through for a few minutes. Blow the old year out and the new year in. Close the back door first and leave the front door open for a couple of minutes fully letting the new year in. Here's hoping it will be kind to us.
M

motivated

Morning all

Just sat going through accounts (again) and have set up 3 new standing orders to go between our own accounts. I've done these for the day I get paid and will forget about them just letting the savings pots build again.

We never really deal in cash anymore as everything is done on card and online. So I've started a physical cash pot at home. I plan to draw out a little cash here and there, build this up and use this for groceries and any top up shops like milk and bread etc. I've taken my eye off the ball with grocery shops and if I only have cash on me I will be more careful with what goes in the trolley. This will also reduce the amount we spend overall and also just leaves the account for saving and paying DDs and SOs. Our personal spends will be separate too and will see how this pans out.

Have plenty of food still in and will spend time today batch cooking and freezing.
M

[Deleted User]

motivated wrote: »

A family tradition at midnight on new year eve is to open both the front and back doors. Let it blow through for a few minutes. Blow the old year out and the new year in. Close the back door first and leave the front door open for a couple of minutes fully letting the new year in. Here's hoping it will be kind to us.
M

That sounds like a wonderful tradition! X

motivated

SSDD23 wrote: »

That sounds like a wonderful tradition! X

Thank you

You never know it might just work and God knows I need all the help I can get :rotfl:
M

motivated

Happy new year all :T

Today is the day that I finally get myself going in the right direction. Have already started by making a small overpayment and by putting some cash in a tin upstairs. This is building our grocery money as we need to be paying in cash from now on.

Managed to stay awake last night to open my doors and let the new year in. I was so tired but fought it as I wanted to keep with tradition and it's helped me mentally thinking it actually works

Hope this year is kind to all
:A

Cherryfudge

I found groceries are best managed in cash as far as I'm concerned. Hope it works for you, too!

motivated

Morning all

Last weekend before I go back to work

Still positive here and still on the ball. Been stashing a bit of cash here and there and already have £100 :eek: Boy we've been wasting money lately. This is for groceries although we still do not need a big shop as freezer is full and apart from milk and bread we're doing ok. We won't starve at least.

All bills paid up to date and savings pots still fed, so overall we're back on track. The money I have coming from my Wonga claim will go straight to these pots also however small the amount. Looking online about the Wonga payouts, apparently people are looking at roughly 10% of the claim back. So I could be looking at around £140. Oh well it's £140 I never had eh.

Will be taking lunches to work next week to avoid any unnecessary spends too

Long may the positivity continue
M

motivated

Morning all

Things are ticking along nicely again

Emergency fund is back up to £500 so far and slowly growing again. Car insurance is due end of Feb and already we have around 80% of it. It doesn't usually increase that much and we're just waiting for the renewal price to come in.

I've set up SOs from my wages to go into our variety of pots we have. This helps build them too.

We already have £100 in the Christmas fund too

We're finally heading in the right direction again thank God.
M

dfwprincess

Glad to see you back, read most your diary through and I love the analogy of emptying a lake with a teaspoon.... does feel that way sometimes, but as others have said you made a start and if you hadn’t you’d be in a worse place.

2020 will be a good year x