Dear Diary

enthusiasticsaver

You are doing brilliantly to get rid of the first two cards. Sainsbury’s next hopefully. I would not ditch your pension payments. It may seem like this is money you can do with now but having a pension gives you choices later on when you come to retirement. Even a small monthly amount makes a difference as it grows in value.

MeenaM

thanks Enthusiastic , I will leave my pension as it is for now and i plan on increasing it from its present 4.5 % contribution to 9% when I am debt free and have a 3-6 month emergency fund in place

going to discuss the budget with hubby this afternoon, wish me luck !

also got to pop into town today to buy some birthday cards and some presents for the birthdays this month , have an amount in my budget and will stick to within that

MeenaM

well the budget meeting went ahead, I have discovered DH spends quite a lot on water/fizzy water during the week it adds up to around £60 a month ! but atm he is not giving it up, he doesnt smoke or drink alcohol , he is agreeable to the budget i have set for the month so here is hoping he will stick to it
i got the presents and cards i wanted in town i had a gift card for Next from christmas i used that to buy a nice new top for me and the remainder i used for one present and two cards so that was a bonus and saved some money

MeenaM

Hey everyone! Got some extra pay this month so have just paid off another £200 to the Sainsburys card , and £150 into my emergency fund . I do have enough in my budget to pay the £201 that will now be outstanding on the Sainsburys card but being extra cautious I will leave paying that until just before next payday , just in case , as i dont yet have £1000 emergency fund I want to do it that way atm

Going out for lunch today looking forward to it

hope all have a good Friday x

MeenaM

Decided to pay off the Sainsburys CC , that way I don't have the money to be tempted by , so now on the strict budget until pay day , YAY another CC gone for ever!!!!!!!!!!!!

ladymay

*dun dun dun*....

Another one bites the dust!

MeenaM

yay! thanks LadyMay !!

CoffeeCakeYarn

Great news on both the DH and budget and the payments! YAY!

I think sometimes you just have to accept that spends will happen, and if you try and pull too tight with other people they might just rebel completely. Let him have the fizzy if it's his only vice, it could be a ton worse

So happy to see the CC gone for you! Well done xx

beanielou

Great news on another card down

SnowBallBunny

Well done on the paid off CCs and budgeting! Wonderful to see your progress. :T