Stupid spending and debt situation

shteca

Working_Mum wrote: »

That's a great start shteca!
How are you feeling juggling everything?
Hope you've got a lovely weekend planned!

Thank you! I have written out my own budget now and started keeping a day by day diary of all my spending. I find that when I am conscious about my spending and keep a record of every penny I am a lot more reluctant to spend money.
I feel like at the moment I am on a crash diet, cutting out ALL unnecessary spending and then build up via a budget from there.
Started shopping at Aldi - was blown away by the price difference. Buying in bulk at the beginning of the week and prepping my meals.
Cancelled all my subscriptions Spotify etc just to get on track. Can look at doing this sort of stuff later on.
It has already started to make a massive impact on my overall spending. this month I am hoping to be over half what I spent last month.
Every started cycling in to work. Nice weather at the moment might as well make the most of it.

Working_Mum

It sounds like you've made a really solid start!!

Don't forget if you cycle to work appointments etc you can claim 20p per mile (Legitimately!). Not sure if it works for either your first business or the Udeliver (?) one? Would be worth investigating as every tax free penny counts!!

I have my "spending books" going back to 2010 and I love them! Often will refer to them too for bits of info etc

Keep it going!

shteca

That is extremely interesting. It!!!8217;s about 6 miles I am doing a day at the moment and cycling five times a week
I am actually using an excel spreadsheet to keep track of everything which works really well. Also over the weekend I!!!8217;m getting a few hours on Ubereats