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New Diary - New Hope
edited 26 April 2020 at 9:45AM in Debt free diaries
113 replies 9.3K views
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That it isn't always enough, to be forgiven by others.
Sometimes, you have to learn to forgive yourself.
Yesterday is history, tomorrow is a mystery
Today is a gift. That's why it is called the present.
happiness isn't achieved by getting extra things,
but by getting rid of the things that make you unhappy
As expected this month is going to be super tight until payday but determined to do it, I’ve already done the shopping and put fuel in the car for this week so aiming to have as many NSD as possible.
Well done on not adding to the debt last year.
The 20 in 2020 sounds great.
BC: £5000.00 - Lloyds: £5590.00
Xmas Pot £535/£700 ~ EF £621/1000
PAYDBX 2021 - #? £0 / £2,000
Not up to much this weekend, doing a general tidy up after Christmas. Going to start healthy eating on Monday as will be back to normal with dd at school and I will be back at work.
I checked my Christmas savings pot and I have £25 saved for next Christmas already which I’m determined not to break into, I want to try to build my emergency fund back up as currently at zero, I also need to check my overall budget and re-adjust totals, I really want to try to stick to this as I want to build my pots up. I’ve decided I’m not going to spend anymore money on the house for the moment as it is liveable and we haven’t sorted what’s happening with the house since we separated. I would love to buy ex out and take the mortgage on but my credit rating is still very poor so not sure what’s going to happen yet but I suppose this will get sorted eventually.
Have good weekend everyone!
Debt total: £29,068.23
Xmas saving pot: £179
Emergency fund: £59.60
So the fantastic news is my debt total now begins with a 2 not a 3, so glad to have dropped in to the next bracket! Would love to get it under 20k by the end of this year but I think it might just be out of reach but good to have an aspirational target.
Xmas saving pot going well, emergency fund not so well but had to use it for to replace/fix stuff around the house so hoping to build this back up to at least £500.
Next thing I want to work on is food budget, I really struggle with this and go over my budget every month, going to see if I can stick to it this month.
Take care everyone & stay safe.
I’ve checked through my budget and seem to be on track for this month which is good.
Emergency fund £88.03/£500
I suppose in some ways it was good that I put that money away otherwise I would have had to borrow from my parents.
In good news she seems a little better which is fabulous news as I was worried that I was going to need a specialist referral, so fingers crossed 🤞
In other good news I’ve lost 7lb, which is great.
Emergency fund £4.94/£500
Weight loss: 7lb/26lb
Weight loss: 8lb/26lb
Emergency fund: £100/£500
Overall debt: £28515.55/£47000
All going in the right direction albeit not being as quickly as I’d like but I’m hoping slow and steady wins the race!
This month I have paid up 2 small debts, so I had 15 debts but now have 13, looking forward to getting this below 10!
Debts paid up: 2/15
Weight loss: 11lb/26lb
Emergency fund: £112/£500
Overall debt total: £27607/£47000