No more credit.... no more debt

teafor2

Good luck with losing some llbs NMC and Robin. I gave that particular challenge up a few years ago xx

nomorecredit

Aw Thanks Tea - I am determined to loose a dress size for summer I wonder if wiring my mouth shut wound be available on NHS !! Xx

nomorecredit

Evening

Such a Busy day, didn't go to plan ended up with unplanned spends with lunch and the girls needed some new water bottles for school:

Water bottles - £10.05
Lunch - £3.65
Water: 2ltrs
Steps: 15,290

Tweaked the budget to ensure it balances for the rest of the month but will mean some adjustments.

Had a couple of invites for some nights out but these would be in town and would end up expensive so I have politely declined and explained I am wanting to save some money for Easter and summer holidays and had a spendy February so they understood. I am determined to pay off Next this month and start building up the saving pots.

I have to say I still can't believe I don't have a credit card debt anymore, I have always been in debt constantly since I was 18, its a strange feeling but liberating at the same time, for years it wasn't about what I owed but how much credit was available to spend !!!! it took me till I got into my 40's for it be be a pain in my neck and it was a constant physical pain every day. I want to teach the girls financial skills and ensure they don't make the same mistakes as me.

Well its, bed for me, extremely tired this week and still need to do my ironing and have been slacking with the washing too over last two days I need to get a grip and on top of things.

Good night all
NMC x

nomorecredit

Hello Thursday

I have finally had a NSD and lunch to work :j So February 2019 ended up .....

NSD - 9/15
Lunch to work 6/9
Debt - Mum £250
Next £53/£153

I have been thinking of some challenges for March and going to aim for:

NSD - 16 ("Spending of Entertainment Budget")
Lunch to Work - 10

Saving Pots
Easter Savings - £125
Holiday Savings - £100
Emergency Fund - £50
Mobile phone repair - £50

Debt
Clear Next - £100
Mum - £200

Healthy Lifestyle
Average 15,000 per day
No chocolate (except low calorie hot chocolate), sweets or biscuits
Start training for 3 Peaks
1.5ltrs water per day

Right better set off to take my oldest to brownies

Best wishes
NMC x

nomorecredit

Morning Friday

Forgot to update my daily challenges
Thursday steps - 15.530
Water 1.5ltr

Pilates this morning, the boiler is getting serviced and I need to tackle the ironing catch up with washing and clean.

Let’s do this
Have a great day
NMC x.

nomorecredit

Just popping back in to record my spends and having a brew.

Pilates - £5.00
Milk - £0.86
Drink - £1.00
Crisps - £0.50
Sandwich - £2.00
Bread - £0.55
Scones - £1.00
Bag for life - £0.10
Spaghetti - £0.20
Total : £11.21

I have withdrawn £20.00 for this week "entertainment budget" but I need to go through and balance what I have left out of the food budget and balance the books sort of speak

Right off to polish and hoover and tidy around, my house is like a launderette !!!

Best wishes
NMC x

nomorecredit

Evening,

I have been reshuffle and rounding off my envelopes and this week is now

£0/£45.00 youngest birthday
£5.00/£20.00 entertainment budget
£275.00/£275.00 birthdays
£200.00/£200.00 food

I have also sent :

£2.15 to mobile phone repair
£1.35 to 1p savings challenge

Steps : 18,305
Water: 1.5ltrs

No chocolate, biscuits, sweets - 1/31

Best wishes
NMC x

nomorecredit

Afternoon Sunday

Just updating whilst tea is in the oven, didn't get a minute yesterday and it seem to go by in a flash.

2lb gained at WW expected more to be honest but still not good enough anyway back on it as they say.

Spendy Saturday so my entertainment budget has a paltry £4 remaining but I expected it has spent quite a lot at youngest birthday party and and spend the £45.00 at party which included the cake (to go around 25 kids!!!) and extra party bags (which I needed). All the kids seemed to have a lovely time running around for 2 hours. I was shattered too so we were all in our pj's by 7.30pm watching a movie. Youngest was spoilt rotten.

So a spendy Saturday resulted in a skin flint Sunday - which was welcoming.

Today is a NSD for me. I have also sent 0.17p to 1p saving challenge.

March to date roundup

NSD - 1/16 ("Spending of Entertainment Budget")
Lunch to Work - 0/10

Entertainment Budget - £15.00/£20.00

Saving Pots
Easter Savings - £0/£125
Holiday Savings - £0/£100
Emergency Fund - £0/£50
Mobile phone repair - £2.15/£50

Debt
Clear Next - 0£/£100
Mum - £0/£200

Healthy Lifestyle
Steps (Saturday) - 14,686
No chocolate, sweets or biscuits 3/31
1.5ltrs water per day - 2/31

Food shop doing today (OH turn), my youngest wanted to buy a fish with her birthday money and is now the proud owner of Mason and Alex - her uncle and auntie bought her a lovely unicorn fish tank for her birthday too which is perfect for the new additions. She got some things to go in it and it looks really lovely, a very happy little lady with still over £100 left over from her b/d money. My girls have more money than I do !

Enjoy the rest of Saturday

Best wishes
NMC x

nomorecredit

Forgot to mention

Sent 0.17p to 1p savings challenge

teafor2

Hi NMC - nice to read the party was enjoyed by everybody. Birthday money for DC's really mounts up doesn't it, I always say the same thing about them having more than me. Love that DD has spent some of hers on pet fish - so sweet xx