Brighter Fairy light and a five year plan

Kitten868

You're doing really well. Please don't be discouraged. It ALWAYS happens on diaries where people get focused and ready to tackle debt then their car dies or there's a hideous vet bill or roof tiles come off in the wind. Something expensive but essential to pay for happens. It's almost as if you need to be told off for no emergency fund. It's not that though - it that these crises happen and that's why we are in debt. You manage it as best as you can and carry on. You can do this. Be proud that it is just the bills for x, y and z that did it not because you thought the whole plan is ruined so let's go to McDonald's everyday and buy 10 new dresses.

Keep going. You can do this. Xxxx

Aaleigha

I hope everything is ok today

Even if it's been a bad day come and tell us
Similar may have happened to one of us so we might be able to help

If not at least you know you will be supported

There us tea and biscuits over in my diary if you want a cuppa and chat

Homegrown0

Sorry to hear about the health/ kids and money woes. Chin up and get a plan in place for January. Don't let life keep you down!

Sending some strength your way!

chocolatebum

Aaleigha wrote: »

I hope everything is ok today

Even if it's been a bad day come and tell us
Similar may have happened to one of us so we might be able to help

If not at least you know you will be supported

There us tea and biscuits over in my diary if you want a cuppa and chat

thanks so much, not a bad day today just a busy one. took down christmas decs and got the living room back to normal.

half completed my january budget just need to wait until DD's come out tomorrow and to do my food shop so that i can see what i am starting january with before organising my spreadsheet.

chocolatebum

Homegrown0 wrote: »

Sorry to hear about the health/ kids and money woes. Chin up and get a plan in place for January. Don't let life keep you down!

Sending some strength your way!

Thank you, hopefully no more woes for next year lol. half a plan in place for january just need to get final december figures tomorrow before working out january's budget.

chocolatebum

Kitten868 wrote: »

You're doing really well. Please don't be discouraged. It ALWAYS happens on diaries where people get focused and ready to tackle debt then their car dies or there's a hideous vet bill or roof tiles come off in the wind. Something expensive but essential to pay for happens. It's almost as if you need to be told off for no emergency fund. It's not that though - it that these crises happen and that's why we are in debt. You manage it as best as you can and carry on. You can do this. Be proud that it is just the bills for x, y and z that did it not because you thought the whole plan is ruined so let's go to McDonald's everyday and buy 10 new dresses.

Keep going. You can do this. Xxxx

Thanks kitten, that is exactly where the extra bills came from, hadn't managed to get enough of an emergency fund built up so the essential repairs and replacements had to go on the cards . onwards and upwards though and hopefully nothing will go wrong before we manage to get the emergency fund replenished to what i want it to be.

chocolatebum

MONTH 3 & 4 ROUND UP

well month 3 and 4 everything went downhill as detailed in last few posts. but i am now back on it and plans made for the new year.

chocolatebum

New year, new plan and back on focus

well after a difficult couple of months were the debt increased i am now back on it. budget is set for january and my new 12 week plan is in place.

12 week plan 1st Jan- 26th March

1. lose 12lbs
2. decorate bathroom
3. get through uni semester
4. clear highest percentage account (£489.45)
5. sort and declutter 1 child's clothes
6. declutter 465 items (part of declutter challenge)

next 12 weeks at uni are quite intense so i'm trying not to overwhelm myself with too many other things. just went with 6 things rather than the 12 i orginally planned for this reason


Oh and a big woohooo after a difficult couple of months, we managed to finish the year in the black :j:j

Aaleigha

Brilliant and a great start to this year being in the black

Happy new year

chocolatebum

Happy New Year, lovely day spent with the family yesterday.

today has been a bit of a lazy day, went for a top up shop and that has been pretty much it for movement today :rotfl: . on the plus side though i have did my banking for today and updated my accounts, also updated my whats the cost as a few bills went out today. i also transferred all my important notes into the one notebook so now my budgets/ gas and electric readings/ 12 week plans/ credit score updates ( i know its just a number but due to the defaults we have i like to see the numbers going up) are all in the one book alongside my record of what we will be spending on food this month (want to keep a record of this to see where i can do a bit of saving again). my spending diary is in a separate book that i keep in my bag. i also managed a wee declutter of a couple of items.

i still have a few days before i head back to uni so will be aiming for some more decluttering and housework to be done alongside an essay that is due in a few weeks so will be planning my to do lists and hopefully getting through them.