No Rain, No Rainbow

Aaleigha

On the old style board Frugaldom put a copy of here spread sheet we can down load and use

When I did ours it was a real eye opener

Along the top you break it all into categories then put yearly amounts then there is a table with cells for every day just fill out your spends daily on February all the numbers roll over for you

Even with belt tidying we will over spend by a couple of thousand over the year however we have not included hubbies private pension as we don't know monthly amount yet
But that will sort it out

Try to find it and use it
It's really good but tedious to do the set up but you do it yearly not monthly

Good luck it's like losing weight, it doesn't go on over night therefore it will take as long to come off but we can do it X H

Mum.Wife.Me.

YORKSHIRELASS wrote: »

Hi all

Been out to my parents for lunch which was lovely (and of course a free feed!).

MWM love the idea of breaking the goal down into an amount per day, you are right £6 sounds do-able.

I have been looking at our food spend which has averaged £455 a month this year (ignoring December which was a silly amount). I do mealplan and cook from scratch but we are 4 adults and rarely eat out or have takeaways.

However, if I can reduce that to £400 a month or by £14 a week then that would pay off one of my small debts fairly quickly. Not sure if its possible but I can try.

I have cancelled my Spotify subscription which embarassingly I havent used for ages and cancelled my Pilates class and instead upgraded my gym membership to include classes (even though the timing isnt as convenient). This is a combined saving of £25 per month.

Have also listed a couple of things on ebay (neither of which I expect to make much out of but it all helps!).

Well Done, it sounds like you have had a productive day! We have family membership to the gym and it is due for renewal in the year and although some people may not agree, I will definitely be renewing it. It's £1 a day for the whole family (£365 a year) but we get unlimited access to the gym, classes, swimming, soft play etc and I do feel we got our money's worth last year

Good luck on the sales, I am quite bad at selling and will often just get rid of stuff as I have no patience, however I did sell a few bits before Christmas. I might try and dedicate more time to selling! Let us know how you get on!

Mum.Wife.Me.

Homegrown0 wrote: »

All the best for your debt clearing plans- sounds like you've got both motivation and a good plan in place.

I've been chipping away at mine for the last year so I'm hopefully on the home stretch in 2019.

Thank you and good luck with your remaining debt!

Mum.Wife.Me.

Aaleigha wrote: »

On the old style board Frugaldom put a copy of here spread sheet we can down load and use

When I did ours it was a real eye opener

Along the top you break it all into categories then put yearly amounts then there is a table with cells for every day just fill out your spends daily on February all the numbers roll over for you

Even with belt tidying we will over spend by a couple of thousand over the year however we have not included hubbies private pension as we don't know monthly amount yet
But that will sort it out

Try to find it and use it
It's really good but tedious to do the set up but you do it yearly not monthly

Good luck it's like losing weight, it doesn't go on over night therefore it will take as long to come off but we can do it X H

Thank you, I will have a look for it tomorrow

Mum.Wife.Me.

Mum.Wife.Me. wrote: »

So last night I fell asleep dreaming about numbers! I also worked out that if I pay £6 a day off the credit card it will be paid off by time the 0% ends. £6 is amazing, I can easily waste £6 a day!!

So... this is embarassing... last night I was in bed dreaming about numbers and it dawned on me that it couldn't possibly be only £6 a day to pay my credit card off. Its just too low, so I checked again and it turns out when I typed "how many days from 1st January - 2nd July' into my phone, it calculated it from Jan 18 - July 19... not sure if I should be worried that the fact it was over 500 days didn't register with me :rotfl: Oh well at least I figued it out, will be trying extra hard now as the reality is its around £19 per day Lol

Off to check some survey sites before giving the house a clean!

teafor2

Shame about the daily amount miscalculation but at least you know what you've got to aim for. I always think having an actual figure is good for motivation rather than just having a vague idea of what you need to be doing.

You sound really determined to get to grips with this so I'm sure you'll get there.

dfwprincess

What teafor2 said, miscalculations happen, at least you've re thought it now. All small baby steps


Happy new year! Here's to 2019 and lowering our debt.

awinterstale

You’re debt amount is quite similar to ours... we want to pay off as we’re looking to buy our forever home in the country. Good luck, I’ve subscribed

YORKSHIRELASS

Hi all

Been out for tea and home now. A lovely meal which cost £45 and was paid for out of DHs Christmas bonus which is great. Could have gone to a local hotel to a New Year party with friends which would have been £75 plus drinks. Glad I said no now, happy to be home with the fire lit and telly on.

Called at Li@l this morning, spent £38. Meals for rest of week are all planned out but the fridge does look a bit bare! Parents are coming for lunch tomorrow and I am doing pork and cider casserole, already have some pork in the freezer.

Hope everyone is enjoying their last evening of 2018!

Money_mess

Hi, just had a read of your diary you sound very determined. Well done on resisting the NYE night out. We are also home and glad for it, I often think it's overrated anyway!
I also dream about numbers! it's hard to step away from constantly thinking about it isn't it!
We will get there though. A big target for me in the new.year is to read more in the hope of it distracting me from the constant thoughts about money.
I second going over to the old style board for advice on groceries, it can be done but again it's another area that's hard to deal with!