No more credit.... no more debt

nomorecredit

Hi Tea

She is so happy with her new pets bless her she was wanting a rabbit but thankfully changed her mind ha x

nomorecredit

Evening Tuesday

A busy couple of days at work, and loved having my friend stay over shame it was only for 1 night, we had a couple of gins last night so early night for me its been a long day, tired now.

Finally a couple of NSD yesterday and today with lunch to work too, so determined to keep up the momentum.

So March to date roundup

NSD - 3/16 ("Spending of Entertainment Budget")
Lunch to Work - 2/10

Entertainment Budget - £16.00/£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
Sunday - 15,759
Monday - 15,673
Tuesday - 10,896
No chocolate, sweets or biscuits 3/31
1.5ltrs water per day - 5/31

Just ticking along now payday in 10 days, looking forward to starting to save and pay off the next account.

Best wishes
NMC x

nomorecredit

Evening Wednesday

Another really busy day didn't even have chance to go for a walk at lunch so my steps are a bit poor today. However, means I managed a NSD and lunch to work so very pleased with that.

Got my next statement today and they have charged £3.48 interest this needs to go asap.

So March to date roundup


NSD - 4/16 ("Spending of Entertainment Budget")
Lunch to Work - 3/10

Entertainment Budget - £16.00/£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£/£103.48
Mum - £0/£200

Healthy Lifestyle
Steps
Saturday - 14,686
Sunday - 15,759
Monday - 15,673
Tuesday - 11,160

No chocolate, sweets or biscuits 4/31
1.5ltrs water per day - 6/31

9 days until payday but who's counting !!!! :rotfl:

Best wishes
NMC x

nomorecredit

And its nearly Friday .........

Another no spend day but tomorrow may be a different story as I need to pop out for bread and promised the girls a little treat. The girls could also do with some new socks theirs are looking worst for wear now and my youngest needs a couple more polo shirts for school but I will have to get these once I get paid.

NSD - 4/16 ("Spending of Entertainment Budget")
Lunch to Work - 3/10

Entertainment Budget - £16.00/£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£/£103.48
Mum - £0/£200

Healthy Lifestyle
Steps
Saturday - 14,686
Sunday - 15,759
Monday - 15,673
Tuesday - 11,160
Wednesday - 9,400
Thursday - 15,537

No chocolate, sweets or biscuits 5/31
1.5ltrs water per day - 7/31

8 days until payday (I am still not counting)

Best wishes
NMC x

teafor2

Evening NMC. These weeks are flying by aren't they. Well done on the no chocolate/biscuits/sweets days. Do you walk most of your steps just going about your daily routine or do you go to the gym? I'm sure you've said but I can't remember xx

nomorecredit

Thanks Tea.

When I was younger I couldn't wait to be 18, my mum always said don't wish your life away after 21 it goes quick so true.

I am trying, could do better I do have a raging sweet tooth. Mostly through walking, its quicker to get to places and I am lucky to live near the school, train station, supermarkets, retail park all no more than 15 mins walk at the most.

I do enjoy clubbercise and pilates but not been to clubbercise for a while with work and girls but need to get back I miss it. I would like to join a gym but they are quite expensive and not sure if I will get my monies worth, something to consider once I know about my job.

Have a fun Friday
NMC x

nomorecredit

Morning Friday,

Really must get going and start to organise and clean the chaos which is my house. Washing to catch up on too and to sort my budget out for March pay. Need to call at morribobs for some bits. My weekly entertainment budget for this week is £24.00 I have £4 left over from this week but need a new sweeping brush, mine has snapped in half. Living the dream ...

Have a fun Friday
NMC x

nomorecredit

Quick check in before I head to bed

£7.56 spent today on chicken, bread, chocolate bar x 2 for girls and a bottle of fizzy pop.

Will update properly tomorrow I can’t hardly focus on the screen I am that shattered x

7 sleeps to payday ...

nomorecredit

Hello Saturday

Went to WW this morning 2lb off which is a miracle but will take it and run. My oldest has gone to football this afternoon but youngest isn't feeling to bright so she has stayed at home with me. Going to spend quite a nice chilled day and read my new WW magazine and meal plan for the week.

Cleaned house yesterday so just a bit of hoovering and straightening up to do nothing too testing for a Saturday. Just has lunch at home and planning on Chicken Jalfrezi and Naan bread for tea.

Spends today are
£2.00 coffee
£2.50 WW magazine
£1.00 Crackers (breakfast)
Total £5.50

I also had to finish off a present for my friends birthday had £9 left and bought:

Book - £4
2 x cans of cocktails - £2
Baileys Chocolates - £2

I bought her birthday card in January and already have the gift bag and wrap so I will sent the £1 to my mobile phone fund.

I have rounded my entertainment budget off to £14.00 (had spent £13.06) so another 94p to 1p savings challenge.

NSD - 4/16 ("Spending of Entertainment Budget")
Lunch to Work - 3/10

Entertainment Budget - £14.00/£24.00

Saving Pots
Easter Savings - £0/£125
Holiday Savings - £0/£100
Emergency Fund - £0/£50
Mobile phone repair - £3.15/£50

Debt
Clear Next - 0£/£103.48
Mum - £0/£200

Healthy Lifestyle
Steps
Saturday - 14,686
Sunday - 15,759
Monday - 15,673
Tuesday - 11,160
Wednesday - 9,400
Thursday - 15,788
Friday - 12,240

No chocolate, sweets or biscuits 5/31
1.5ltrs water per day - 8/31

6 sleeps to payday

Nothing much else to report a quiet weekend here in Yorkshire.

Have a fun Saturday
Best wishes
NMC

nomorecredit

How is it nearly Thursday,

Its been such a busy week at work then with parents evening and one think and another haven't had chance to update but had quite a not so bad week

Saturday I spend another £4.30 in the afternoon, went for a walk to the park with my youngest then to morribobs for some dog food, youngest asked if she could have her tea in the cafe so £4.30 spent, I resisted and shared her diet coke. Sooooooo Saturday spends ended up....

£2.00 coffee
£2.50 WW magazine
£1.00 Crackers (breakfast)
£4.30 tea for youngest
£9.80 Spend

Sunday - NSD

Monday I bought some things for school fair and a nanny mothers day card :

Chocolates x 2 - £2
Mothers Day Nanny Card - £1
Magnetic Picture pegs - £1

Total £4

Tuesday - NSD
Wednesday - NSD

Can also declare that I took lunch to work Monday, Tuesday and Wednesday.

NSD - 7/16 ("Spending of Entertainment Budget")
Lunch to Work - 6/10

Entertainment Budget - £22.30/£24.00

Saving Pots
Easter Savings - £0/£125
Holiday Savings - £0/£100
Emergency Fund - £0/£50
Mobile phone repair - £3.15/£50

Debt
Clear Next - 0£/£103.48
Mum - £0/£200

Healthy Lifestyle
Steps
Saturday - 16,225
Sunday - 9,560
Monday - 14,245
Tuesday - 16,115

No chocolate, sweets or biscuits 10/31
1.5ltrs water per day - 13/31

2 sleeps till payday. I plan to refresh my budget for the month ahead and need to consider mothers day and Easter school holidays.

Booked Sunday lunch at a local pub for mothers day, I also need to send a sponsor to a friend who is doing the three peaks before me, so will sort this on payday.

Bank account stands at a rather miserable - £3.79!

That's it another busy day at work tomorrow and suspect I will have to do some over the weekend too to catch up.

Best wishes
NMC x