Dear Diary

MeenaM

so as Peter Kay has cancelled i am getting a refund of £108 so will reduce my Sainsburys card accordingly

MeenaM

hello all,
Well I watched a few of Dave Ramsey's videos yesterday and I think that although I have done ok with the tracking of finances i am doing i think i need to try a budget that is written at the start of the month and account for every penny that way , so i am doing that for after 20Th Dec when i get paid.
It's proving hard atm not to spend with Christmas fast approaching , i am looking into making some chocolate truffles to give as presents , wish me luck!

also have listed another item on ebay , i have only made £7.50 so far , but i am reluctant to reduce prices , will see if it picks up soon

MeenaM

nearly pay day ! i've got £127 left as had to pay for the grocery shopping today of £72 as DH hasn't got enough to cover it before he gets paid so I am putting £27 towards the AA debt and £100 in my savings i want to get £1000 emergency fund , got £10 in there atm

I have done a budget from when i get paid for the month and it includes £100 in savings and the £427 for the credit cards so let's hope i can stick to it, i still feel committed to this and optimistic !

Vegainer

Glad all seems to be well Meena! How did your truffles go?

I totally understand the creeping feeling as Christmas approaches and there's many (often unexpected or unplanned) spending moments. I'm feeling a lot more together this year though, sounds like you are too!

MeenaM

Thanks Vegainer! the truffles were surprisingly easy to make! i would recommend them , I need to make some more however for presents as my children ended up sampling more than was strictly necessary to pass the taste test !

glad you are feeling more together this year too , Pay day tomorrow! yay! I have also secured some extra work from January so that should be an extra £400 income ! it will make up for the £160 we are down on DH 's income , but still going to be ahead so i plan on putting part of it to the debts and part to my emergency fund , i also have the car service in Feb/March to budget for which usually costs £200

I'm going to use my nector points for christmas food this Friday together with DH we have nearly £50

have a good one !

MeenaM

I've updated my signature today! Still have another £160 ish to pay later this month to the AA card, I have done a zero balance budget for this next month from my pay day of 20th Dec so I am determined to stick to it , Getting the Christmas food this morning with our Sainsbury's nector points it will be a treat after months of Aldi food

MeenaM

received my £55 Amazon voucher from BT today on the deal i got for switching to simm only, ive already spent it on make up and facial cleansing that i desperately needed! have treated myself to some prosecco today , its in the grocery budget and im going to enjoy it!

EscapingTheAlarm

You’re doing so well! What a great Christmas present to yourself to have paid off so much already!
ETA x

MeenaM

Thanks ETA , feels good!!

MeenaM

spent £18 on new school shoes for daughter they were in the Clerks sale should have been £36 so quite pleased with that i will take it out of the entertainment part of my budget

got a cold coming on blahh i've been organising all my paperwork in my new organiser i got for Christmas

been checking out re mortgage deals but it doesnt seem worth it when u add the fees in