if i make a start . then there has to be an end right ?!

mumof3.12kindebt

trip to my old childhood park with the family today.
Also doing our weekly food shop today. (normally do it on a Monday but have been quiet busy) .
6 days till November . Ds2 Turns 4 in November. Present already brought.

I need to do an update of our Debts. I know the credit card has risen slightly.

I should have earned around £250 extra this month in overtime.

My car insurance is based over 11 payments. So this month is my non payment month I think. I'm going to leave the money in the account until the first if it still hasn't been taken I'll transfer it to savings or debt

mumof3.12kindebt

I've decided to start some challenges / tasks / goals for myself.

Task 1 . Get rid of 5 things a day from my home. Sell/skip. This will free up some space and declutter my home.

Financial goal 1 stick to the budget. Meet debt payment targets and saving target each month

Health Goal 1. Continue with cutting down smoking. I tried to go cold turkey and failed miserably. I remember watching a programme with Gp advising to cut down slowly each week.
Example week 1 10 a day week 2 9 a day etc so I'm going to try this method instead.

Time for me task.. Read for 30 minutes a day.

5/2 diet. (financial) 5 nsds a week.


I'll update daily with how it goes.

mumof3.12kindebt

july
car £9072
credit card £3500
catalogue £1300
total £13872

3rd October
Credit card £2900
Car £7900
Catalogue £1300
Total £12100

25th October
Credit card £3500
Catalogue £1300
Car £7584
Family £200 (brought a tent and some extra camping gear off them to start camping trips)

Basically I'm back to where I started in July... I know what I've spent and I'm angry at myself.

I'm going to put my car insurance renewal on my credit card next month as this will work out cheaper than. Paying monthly.

I cant really do anything now until next Month.

I have 2 more food shops.
Car tax
Nursery fees
Music lessons.
And electric to pay.

I have enough to cover this in my spends account witb about £10 to spare.

Going to finish part one of two of my medication training by tomorrow so that's one less thing to worry about.

Next month debt and savings
150 to house - budgeted
100 to Emergancy - budgeted
100 to credit card - budgeted
250 to catalogue - overtime money from this month

If I have any extra it will be split equally between catalogue and credit card

mumof3.12kindebt

My aim was £250 each month to house. But anything is better than nothing. I know it would make sense to just pay off the debt but I feel seeing my debt go down as well as my savings go up will give me more motivation

mumof3.12kindebt

£58 spent on food shopping. £22 of it was nappies formula and wipes

mumof3.12kindebt

Done some juggling about with money.

july
car £9072
credit card £3500
catalogue £1300
total £13872

3rd October
Credit card £2900
Car £7900
Catalogue £1300
Total £12100

24th October
Credit card £3500
Catalogue £1300
Car £7584
Family £200

Totals are 25h October
Car 7584
Credit card 3318
Catalogue 1150
Family 200

Total 12252
So less than the start of the month. But not by much. But it's less

mumof3.12kindebt

I get so upset at times for getting myself in so much debt.
I'm determined to get it all paid off before we welcome 2019 . That gives me just over a year. Ita not impossible but it won't be easy by a long shot.
Ive also worked out to have the deposit I want by the time I'm 30 I need to save 500 a month. Again. This is possible. But again it's going to be tight. So now what do I do. Do I do a trial month set up direct debits for debts and savings and see if it is possible without feeling like we are just working / breathing to pay off debt and save. I suppose it's better than now. ATM I have an aim each month but just pay what I can mainly at the end of the month. Which can mean we end up over spending through out the month.

I'm going to use November and December as my. Trial months and then set up a more secure plan. Last time I tried doing this I forgot about the payment going out and went overdrawn.

mumof3.12kindebt

Today I had an OT come out to me for the first time since a child. She's basically said our property isn't suitable and we need to have a meeting with the housing association on medical grounds. I still hope to buy one day but if the council are able to move us it will put the pressure off it being so immediate. So my plans haven't changed for now. But if we are moved I've decided I'm going to squeeze in a trip to Disneyland Paris before the kids are too old to appreciate it so much and we will still buy but might leave it till nearer 35.
Anyway like I said for now or plans are staying as they are as my hope for a transfer via the council isn't very high.

mumof3.12kindebt

It's the first of November so here's our update.

Wages have been paid . Money has been shuffled accordingly for the month and monthly payments have been made not including car dd that comes out later in the month. (money has been transferred)

Credit card £3300
Catalogue £940
Car £7583.66
Total £11,823.66p

Savings
House Money box £105
House savings £250
Emergency £250
Total £605

mumof3.12kindebt

Doc has put me on stronger pain relief. So gutted it's at this point already at 25 . But I couldn't bare the pain any longer.