My journey to a debt free life

milann

The budget plan is sounding very good. I was noting everything on here and then my signature vanished. I think I’m going back to a good old paper and pen…..it does make a difference when you see it mounting up. I tried noting my NSDs but it just didn’t work for me as I’d think ‘might as well get it as it’s a spendy day’😏

milann

It’s surprising how different people react to serious illness, it must be hard seeing your dad so different and also seeing your mums reaction. Must be hard for her to separate the person from the illness - if that makes sense.

Sunshine_girl2

Hope you are feeling better today OBL. I am being very strict with my budget at the moment , I am trying to think before I purchase anything that isn't food or petrol. 

Onebrokelady

I've just logged into my bank and moved the last of the balance over to my savings so have updated my signature. I also realised the other day that I had forgotten to update my SC payments on my signature and there were two so I've updated them now.
My account is all ready for my wages to go in tomorrow so I will know exactly how much I'm working with.
 I've planned the month out already,I've got both DGs birthdays this month so the money for that will be drawn out,this will mean less to put in the savings this month but still £100 so not too bad. I only have my emergency fund that I'm putting money in at the moment because it was raided for the boiler so I want to build that back up to where it was, I am then hopefully going to be able to save up a bit for Xmas, this year will be tight but that's the way it is and everyone will have to get used to the idea that I'm on a strict budget from now on, conversations will be had in plenty of time so that people know I'm not going crazy this year. To be fair I think it's more me then the family who feel bad,they actually don't mind not having lots at Christmas, I just need to get my head round it myself 😊

I woke up feeling slightly ropey this morning but I have carried on with my day and actually feel better now, I'm still hurting but not as bad as yesterday so I'm going to work tomorrow, I am in clinics so it won't be as full on as it is on the ward so I should be ok 

Onebrokelady

milann said:

The budget plan is sounding very good. I was noting everything on here and then my signature vanished. I think I’m going back to a good old paper and pen…..it does make a difference when you see it mounting up. I tried noting my NSDs but it just didn’t work for me as I’d think ‘might as well get it as it’s a spendy day’😏

Oh no that's annoying. My budget is done with good old pen and paper so I could use that for logging bank account balances etc. I have tried logging my NSDs on here but constantly forget to do it,I was thinking about trying again this morning actually so I might give it another go 

Onebrokelady

milann said:

It’s surprising how different people react to serious illness, it must be hard seeing your dad so different and also seeing your mums reaction. Must be hard for her to separate the person from the illness - if that makes sense.

I think mums a bit put out because she has been ill for years so has had all the attention and she doesn't like it that dad is now getting some. She keeps telling me that she is worse than him with her mobility but she quite clearly isn't,I think she thinks he is making it up for attention 😟

Onebrokelady

Sunshine_girl2 said:

Hope you are feeling better today OBL. I am being very strict with my budget at the moment , I am trying to think before I purchase anything that isn't food or petrol. 

I am feeling slightly better thanks 😊 I'm just trying to be more mindful and focused on where my money is going, I don't really buy a lot that I really don't need ( apart from the odd book ) my money is mainly wasted on food because I haven't planned what I'm going to eat so end up buying convenience food or takeaways a couple of times a week 
The other thing is that I have not allowed myself a personal spends budget before and have just bought anything I need from cash left over which isn't very organised so I now have a weekly amount to spend on myself ,it's only for little things like meeting a friend for a coffee or the odd day out ,I know if I use cash for this I won't want to spend it unless it's something I really want to do so it won't be wasted, using my debit card gets me into trouble because I just don't see it as spending actual money and then lose track of how much I've spent quite easily.

Onebrokelady

I've had a good productive day today. The washing has been done and one load dried outside. I've done my ironing and changed my bed.The chickens have been sorted and B has been walked. I've also swept up downstairs and tidied up.

I made cottage pie for tea which DD decided she would like to share so I have one left for tomorrow and one has gone in the freezer for another day. I've also remembered how much  I like macaroni cheese so will be making that as well, I am going to add spring onions  and cauliflower to that so it includes some veg.

Tomorrow I will be taking a packed lunch to work and then having the cottage pie for tea with green beans and peas ,it's got carrots in it so there's three lots of veg tomorrow 😊. I am also making sure I have at least one banana, an apple and a nectarine everyday. I would  have had oranges too but they weren't very nice looking

milann

Meal plan is sounding good. I’ve not had shepherds pie for ages.
The personal spend budget sounds great too….hope it works well for you 👍

Onebrokelady

Day off today and Im not feeling too good, we had to walk home from work yesterday because the bus didn't turn up so my legs are hurting today 😟

I had to go out though because I had arranged to visit my Mum and Dad. Dad has got worse since I saw him two weeks ago, he didn't know what month it was or how old he is, I asked him how old he thought he was and he said 51 🙀 I came home and phoned his surgery to say he needs to be seen to be properly diagnosed as he has basically been tested at home by his GP but heard nothing since,it's shocking how he has just been left to it without any help or advice.
He was crying and worried that they didn't have any money in the bank,he thinks mum is angry with him because  he has done something wrong, he is frightened to do anything because  he said he doesn't know what he's doing.
My Mum is still asking me if I think he's got dementia so I told her he has and then she said people keep saying he hasn't got it ,I asked her who said that ( it will be my sister who doesn't speak to me) but mum said she can't remember. 
Mums memory is also not good ,she told me last time I was there that dad has an appointment with the memory clinic but today she said he hasn't and she couldn't remember telling me that he had. I don't know what to do about it apart from to phone the gp
My sister has been down and gone through all the paperwork in dads office and they took dads computor away because it's broken according to dad ( it isn't he just forgot the password ) they were going to smash it up and take it to the tip when they got home so no one can get any info off it, they are also on about towing his car away because he can't drive it anymore but it could be sold not just towed away. I can't do anything because my sister has power of attorney for my Dad

I also got a letter from Mums bank asking me to provide ID if I want to access her bank account because I have joint power of attorney for my mum and it turns out she has given my sister permission to access her account. I'm not happy about this but cant do anything about it. I don't have any form of ID so now have to get myself some so because mum wants me to be able to access her bank account. My mum is still perfectly capable of doing her own banking so I don't know what she wants us to do this all of a sudden.