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Thistle grasps the nettle (again)!!
Comments
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I :heart2: YNAB and leek and potato soup too
Good luck with the debt busting
Cheers XSpender, YNAB is amazing and keeps me on plan. Just had to input my spend on Häagen Dazs - so much for the plan! My "odds & sods" category has taken a right old bashing today!! I might use some of the £60 I earned to treat myself.:D:D
Mortgage at end 05/2007: £90200
Mortgage at end 08/2018: £71646 paid £18354 (20.5%)
MFD: :eek:Original:05/2042:eek:
Car Finance: £8225 : £6392 (22.2% paid off)
CC Debt (0% until 06/2020): £5640 : £4400 (21.7% paid off)
Age of Money at 31/08/2018 = 23 days
YNAB is changing the way I live my life....and spend my money!!0 -
Morning,
Feeling fed up today - I just can't seem to shake this sinusitis. Woken up with a headache again today so I'm taking it easy. I've decided to miss church and stay at home. I've also cancelled tomorrow's Personal Training session with my PT, which is disappointing as I am making good progress, although it will save me the fee!!
Currently listening to the Archers podcast - although I'm 291 episodes behind and actually listening to the episode from 28th September 2017, much to the annoyance of my Archer-fan friends who can't talk to me about what's happening at the moment for fear of massive spoiler alerts!!
On the debt repayment front, I've sent £30 of yesterday's group cover fee to the MBNA CC, and budgeted £15 to groceries and £15 to diesel. If I find I don't need all that in those two categories, I'll reassign it to the CC later on.
I get paid weekly from my groups so Thursday midnight is my cut off point.
Have a good Sunday everyone - I'm popping a pot of coffee on. Shout if you fancy one!!:cool::cool:
T:pMortgage at end 05/2007: £90200
Mortgage at end 08/2018: £71646 paid £18354 (20.5%)
MFD: :eek:Original:05/2042:eek:
Car Finance: £8225 : £6392 (22.2% paid off)
CC Debt (0% until 06/2020): £5640 : £4400 (21.7% paid off)
Age of Money at 31/08/2018 = 23 days
YNAB is changing the way I live my life....and spend my money!!0 -
Thistlewhistle wrote: »I'm popping a pot of coffee on. Shout if you fancy one!!:cool::cool:
Always!
Don't beat yourself up too much about the ice cream. Its like the diet stuff isn't it, you have something and then you have all of the things because you might as well now you have ruined everything, blah, blah, blah. Draw a line under it and move on.
Have you tired good old fashioned hot water in a bowl with a towel over your head to help clear your sinuses? I hate doing it but it usually helps.My mortgage free diary: https://forums.moneysavingexpert.com/discussion/6498069/whoops-here-comes-the-cheese
GNU Mr Redo0 -
Thistlewhistle wrote: »I might use some of the £60 I earned to treat myself.
:D:D
I work within the voluntary sector, supporting vulnerable people to rebuild their lives.
I love my job0 -
redofromstart wrote: »Always!
Have you tired good old fashioned hot water in a bowl with a towel over your head to help clear your sinuses? I hate doing it but it usually helps.
Absolutely! I hate it too but it's a good idea which I haven't tried. Thanks!:DMortgage at end 05/2007: £90200
Mortgage at end 08/2018: £71646 paid £18354 (20.5%)
MFD: :eek:Original:05/2042:eek:
Car Finance: £8225 : £6392 (22.2% paid off)
CC Debt (0% until 06/2020): £5640 : £4400 (21.7% paid off)
Age of Money at 31/08/2018 = 23 days
YNAB is changing the way I live my life....and spend my money!!0 -
Willing2Learn wrote: »Ain't nothing wrong with treating yourself. The £60 is income bonus outside your normal monthly budget. So go ahead and enjoy
Thanks Willing2Learn, you've helped me to salvage my conscience!! And I didn't splurge the whole £60, only £5.50 of it.:pMortgage at end 05/2007: £90200
Mortgage at end 08/2018: £71646 paid £18354 (20.5%)
MFD: :eek:Original:05/2042:eek:
Car Finance: £8225 : £6392 (22.2% paid off)
CC Debt (0% until 06/2020): £5640 : £4400 (21.7% paid off)
Age of Money at 31/08/2018 = 23 days
YNAB is changing the way I live my life....and spend my money!!0 -
I usually work on frittering up to 10% of any 'extras' - the rest gets thrown at the debt or savings. Might be as simple as packet of smarties but I reward myself for the extra effort then I don't resent it.My mortgage free diary: https://forums.moneysavingexpert.com/discussion/6498069/whoops-here-comes-the-cheese
GNU Mr Redo0 -
redofromstart wrote: »I usually work on frittering up to 10% of any 'extras' - the rest gets thrown at the debt or savings. Might be as simple as packet of smarties but I reward myself for the extra effort then I don't resent it.
Good plan. You've got to remember to live :dance: at the same time as save. Otherwise you'd go bonkers!!:wall:Mortgage at end 05/2007: £90200
Mortgage at end 08/2018: £71646 paid £18354 (20.5%)
MFD: :eek:Original:05/2042:eek:
Car Finance: £8225 : £6392 (22.2% paid off)
CC Debt (0% until 06/2020): £5640 : £4400 (21.7% paid off)
Age of Money at 31/08/2018 = 23 days
YNAB is changing the way I live my life....and spend my money!!0 -
Right, despite my sinusitis, (off to stick my head above another bowl of hot water (thanks redofromstart)), I have just spent the last 4 hours at my computer getting a head start on last year's accounts because I refuse to be rushing to get them completed on January 30th, 2019. I've just got a new software system (Xero) so I'm having to learn it as I go which is slowing me up but I'm getting the hang of it.
the sooner I get them done, the sooner I shall know what my tax bill is and how much I need to save. August was a crap month (always is when the kids are off school) so I wasn't able to put anything by. September and October are always stronger months so I shall catch up.
It's 22.28 so it's steam inhalation and bed. No Personal Training session tomorrow because I'm ill, hence no need for an alarm.:j:j:j:j:j:j:j:j:j:j
Night all...
Thistle:)zzzzzzMortgage at end 05/2007: £90200
Mortgage at end 08/2018: £71646 paid £18354 (20.5%)
MFD: :eek:Original:05/2042:eek:
Car Finance: £8225 : £6392 (22.2% paid off)
CC Debt (0% until 06/2020): £5640 : £4400 (21.7% paid off)
Age of Money at 31/08/2018 = 23 days
YNAB is changing the way I live my life....and spend my money!!0 -
Thistlewhistle wrote: »
Hello Rollercoasting, thanks for dropping by.
I've done particularly well on this shopping trip. I deliberately just picked up a basket instead of a trolley as that limits my spending before I even get into the shop!!
I'm chuffed with some of my purchases today. Because I'm working out at the gym a lot in order to change my physique and get fitter after major surgery in Nov 2016, I'm buying a lot of high protein foods of which meat, poultry and fish can be a real wallet-basher!!:eek:
Bargains bagged today....
- 40p Smoked mackerel fillet (was 80p)
- 69p half a cantalope melon (was £1.37)
- £1.16 for a whole trout
- 75p for a bag of trimmed leeks (down from £1.50) so I bought 3 packs!
- 75p for bag of Florette prepared salad (Refuse to pay £1.50 for bagged salad but 75p was a steal especially as it was a big bag!)
I love living where I do as our supermarket stocks vast amounts of Asian foods at ridiculously low prices so bought green lentils and chana dhal for next to nothing, along with turmeric and garam masala spices in 100g bags for the same price as Schw@rtz sell you 42g.
Some beef stewing steak for a root veg casserole tomorrow which will feed me three times if I chuck in enough veg.
Total: £20.06
which would have been less if not for the turkey debacle.
Soupmaker is already on cooking up a batch of leek, celery (found some in the fridge) & potato soup which will freeze.
Life is good!:D:D:D
Thistle;)
Re the chicken how much do you tend too consume????
I go through quite abit it might be worth trying your local butcher shops mine sell the big 5kg packs of it which go hell of a long way over buying supermarket packets of chicken breasts. I train alot too ie 5-6 times a week so i eat a really high protein diet i go through two big blister packs of chicken a month at least 10kg.
or try this
https://www.musclefood.com/chicken-breast-fillets-bulk.html
I pay 24 for this at my local butchers.0
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