Best put on my big girl pants! my saving for a deposit diary

mumof3.12kindebt

11 months on from realising how much debt I was in
June 2017
Debt £14,898.00
Savings £0

May 2018
Debt £7796.11 (payment goes out on the tenth which will drop it too £7600)
Savings £5150

Tonight me and the partner are having a date night at Home. 3 courses of homemade nandos.
Red pepper dip and pitta bread to start
Chicken and spicy rice with a side of spicy chips for main course.
And salted caramel pudding pots for desert.

The water slide has been set up for the kids as its a lovely day.

I've posted part a of my dementia course.

Need to finish my work I've been set for my diploma by tomorrow . And send it off.
I have until the 20th to complete part b of my dementia so will then crack on with that.

Kitchen is clean and tidy same for the lounge. Just have some laundry to put away.

Going to grab my laptop and see if I can get my studies done while dd Naps and kids play in the garden.

If there is one thing I'm greatful for its the fact that even though we live In a flat we have our own garden which we just have to allow access to the lady upstairs to get to her gas metre.

mumof3.12kindebt

£36 spent on a gazebo. We have no shade in the garden hopefully now they will be able to play out on sunny days abit longer now they will have an area with some shade. Should be delivered tonight.

mumof3.12kindebt

7 spent on chicken pop and jam

The chicken and pop is for tonight's meal

mumof3.12kindebt

Oh. I just wanted to add this for future reference. My dad has recently had his bathroom done for a total cost of £1300 and it looks fab!

mumof3.12kindebt

ive money shuffled again (sorry)

so ive paid £1600 off my loan ... once all payments have cleared and the dd has gone out it will leave £6k left on the loan

£1000 in emergancy fund

£145 in car deposit account

£2400 in house account

i want to add another £2064 this month split across as follows

£6k left on the loan - im going to leave this alone now for this month - £0

£1000 in emergancy fund - £200

£145 in car deposit account - £255

£2400 in house account - £1600

gallygirl

What a nasty fright, hope you feel a bit better in the morning x

mumof3.12kindebt

hi gallygirl thanks for stopping by. I'm still quite sore. But life carries on just taking things slow ATM

I messed up yesterday brought the gazebo side panels and not a gazebo. Gazebo got delivered this morning and now the kids have plenty of shade they have been in the pool 2 hours already and are having a whale of a time

Money well spent .

This afternoon will be a film and hot dogs I think to finish the day off nicely

mumof3.12kindebt

been a busy few days.
Work. House work. Kids. Exercising . Eating better and aiming to consume 2 litres of water a day!

My legs are killing. I want to work more on my abs / torso and back the next few days.

I'm not aiming to loose weight. The aim is to continue to steadily gain weight and tone up at the same time. My medication causes weight gain so the weight gain part isn't so hard if I eat well. It's the keeping fit and toning up . I'm also going to start walking more. And increase the amount a little each week. I'm trying to keep my body in the best condition. After years of mental and physical neglect I'm finally looking after myself

mumof3.12kindebt

Before I take ds2 to nursery at midday I need to finish my work for my diploma my tutor set me. And get half of part B of my dementia done. Then I'm going to try and fit in 10 mins of yoga and 20 Mins of palates (hope I've spelt that right) I'm doing it at home with my new exercise mat and YouTube / google to learn the different moves etc and then I'm going to create a routine that suits me over the next few weeks .

mumof3.12kindebt

I've struggled the last few days.
I've been suffering another manic period with my bipolar (this is not an excuse) . And I've spent alot of money. Mainly Regarding the christening and I've been justifying it with the christening as a reason.
I need to get back on the horse. That starts today. No more excuses. Between now and December. I'm going to be squirreling away every spare penny.

On the upside my health is slowly improving. I've been focusing on eating better. Drinking at least a litre of water a day and cutting down on cups of tea. I haven't managed to quit smoking yet but I'm going to find my vape and start using that again. I've been doing yoga and walking abit more. And I can already see a difference in my legs. Its painful but it's paying off. At the end of the day I want to keep my cp in the best condition I can don't want to be permanently in a wheelchair any sooner than I need to be.

I've sorted out all my accounts. They are all named with our target amount for each account.

My credit rating keeps dropping though and I'm not really sure why as all I've done differently is massively pay off some of the debt. Any tips on trying to increase it would be apriciated as I'm at a loss.

First module of my diploma has been sent off. And part a of my dementia. Just part b and c to do now. I haven't heard back from my dementia unsure if it's been marked. I need to chase this up.


I need to renew the tax credits.
And sort my banking out after a bad week. I need to face up to this and deal with it and next time I realise I'm going manic I need to lock my cards away. I feel very disappointed in myself as I've done so well up until this.
I've managed to get some overtime at work so that will relieve it a little bit.

I need to remove my card details being saved on my phone to avoid the temptation. I'm normally very on form with my finances so I'm totally gutted about all this.


No point crying about spilt milk though. Let's get this all sorted and back on track :money: