My spending and debt free diary!

Roxanne1988

Car fund: £50
Food shop: £35

Total: £85

Not too bad for our food shop! My husband goes back to work soon so we are starting to look at tackling our debt! We have just apply for a new credit card to do a balance transfer for the big debt! So that should be sorted soon then we will pay the balance as quick as we can! All other accounts will be closed. We should be getting his first pay back from work around 4th August!

Worrying about Xmas already though! We normally throw it all on the cards but really don't want to this year! Our sons birthday is Xmas day aswell! I'm going to start his birthday day so we have at least that done! Christmas shopping will be started 1st September! Sales and discount shops! Going to limit family presents. One year I would love not to worry about every single penny we spend.

X

Roxanne1988

Shop: £13 - this includes flowers and birthday cake for mum and some little gifts for pass the parcel games for my dd birthday party!

Not too bad! Not much else to report today! Plodding along! I
Hopefully I will be able to make a start on debt as I get paid Monday!

Xx

Roxanne1988

Today's spends

Birthday party stuff: £12
Takeaway: £9

Birthday party all sorted now! Daughter decided she wanted a party a few weeks before her birthday! She has also decided she wants completely different presents! She will have to wait till Xmas for her new list!

The takeaway was naughty! I can't control myself! I've been getting testing done about my stomach pains and I finally got the all clear on my bloods which is a huge relief so we celebrated by putting greasy food in my stomach... Logic anyone?? :rotfl:

No more though I need to eat healthy and save money! My husband balance transfer looks like it's going ahead no idea about the length of the transfer need to wait for his card to get the details! I know it means our debt has gone up but hopefully this will give us motivation to get it paid off!

It's my 30th birthday next year and I really wanted to be debt free before then! Plus I want a holiday abroad! We have not been abroad as a family of four yet and we haven't been since out daughter was 1 she will be 7 on Sunday! But we need to make sure we can afford it all!

Need to go to town tomorrow and get daughters balloon! (Already purchased as it was a rare unicorn balloon that they said wouldn't be in stock by her birthday!) daughter has a horse riding lesson but this is paid for by my parents!

5 days till hubby is back in work!! Conveniently the kids break up on Friday so won't get much time to myself! The summer holidays need to be planned!

Xx

Roxanne1988

Updated my signature and our debt has gone up by about £150! We did the balance transfer so hopefully it will just come down from now onwards!

Today's spends (so far!)
Water: £13.43
Car: £25
Debt 2 : £25

Total: £63.43

We still have electric as we are on payg we have enough to last till Wednesday! Going to keep a close eye on it this week though!

No spending plans for today! Hoping the weather clears up so we can take the kids to the park!

Xx

Roxanne1988

So today was my daughters 7th birthday... My word it's gone so fast! She wanted a treat for lunch so £20 spent in mcds! It was horrid but she enjoyed it! Party went so well! She is made up with her presents and I'm glad it was a fab day for her!

Today's spends
Food : £20
Debt 1: £44.51

Total: £64.51

My husband is back to work on Wednesday so we can start working on getting the debt down!

So we have paid off debt 1 using the savings so that is at £0 now! Back to 3 bills! Hopefully not for too long!

Tomorrows plans - trip to hospital with husband! Hopefully we will find a free parking space! We owe daughter £5 so will get that for her tomorrow and she got a postal check so will need to cash that tomorrow for her! Sons last week at nursery so need to buy a gift for them all! He us off to a new school in September!

Xx

Roxanne1988

Today's spends

Hospital ��: £5 - we managed to get parked for free but after a very long wait we got thirsty and bought some drinks!
Daughter��: £5 - we borrowed some of her birthday money and paid her back today!
Petrol: ��: £20 - hubby back at work Wednesday so need to up our petrol spends!
Total: £30

Tomorrow is another day at the hospital this time for myself! Going to get my dad to drop me off instead of driving there! Should be a nsd as nothing really needs to be bought!

Looking back through this diary I've realised we spend money every day sometimes on stupid unnecessary stuff! Thus must stop! We need to be debt free ASAP as we need to buy a new car pretty soon!

Xx

Happy emoji day!, :j:beer::beer::money::p;):D:o:eek::rotfl::rotfl::T:A:):(:A:eek::money::money::beer::money:

Roxanne1988

Tuesday's spends

Uniform shopping: £19.20 (this was just the basics for two children. Underwear, socks and a jumper for ds! Still a lot more to buy!)

Lunch: £3.35 (spent day at hospital so needed some lunch!)

Discount shop: £31.07 (this was stupidly high and no reason for this amount! I got carried away! I did buy enough toiletries and house cleaning stuff to last a while!)

Total: £53.62

Today's spends

Food shop: £43.37
Electric: £10
Car: £50
School trip: £3
Healthy lottery: £4

Total: £ 110.37

Scary how much we have spent in the past few days! I only got paid £160 and it's all gone till next week. This has to stop!

In good news hubby is back at work!!! :j

Roxanne1988

Finally... It's been a NSD!!!! :T:T

Husband gets paid tomorrow but we don't know how much as it will still be sick pay but he is finally back to work full time and he should be getting a decent wage next fortnight!

We have a plan to start paying back our debt! So there should be more debt updates! Going to do pay a day starting on Saturday!

Till then xx

Roxanne1988

Husband got paid today he only got basic sick pay but it was more than we thought. so the money we have been keeping back, (in case his pay was bad) we decided to use this to make a payment towards the debts!

Debt 2 - £100 started at £675 now £575
Debt 4 - £100 started at £1966 now £1866

We now owe a total of £2807 (including the debt 3, which is our sofa)

Going to aim on getting debt 2 gone first as this is interest bearing.

Debt plan
£250 a month for debt 2
£50 a month for debt 4
£45 a month for debt 3

Once debt 2 is paid we will pay £300 a month on debt 4

Hopefully debt free before I'm 30 at the end of April :rotfl:

Roxanne1988

Today's spends

Shoes: £14 - both kids needed trainers for the summer! My sons toes were poking out the top and my daughter just grew two sizes overnight! Not bad for two pairs though!
School uniform: £40 - both kids now have two uniforms each plus two pe kits! Just shoes, bags and coats to buy now! My parents are going buy their coats!
Eating out: £12.98 - kids needed feeding plus hubby lunch for work!

Total: £66.98

Not bad for what we got! Can relax over the uniforms now, like getting them out the way! Plus it's the first year we need to buy for two kids!

Plans for tomorrow
- horse riding £11
- son sleeping at Nans so promised daughter a treat night budgeting £5
- hubby's lunch £2.50

Xx