The Four D's

FootyFanDan

Evening All,

Not much to report MSE wise really, not spent a huge amount over last few days due to working. I bought lunch today so that was £5 and then purchased some milk yesterday. Thursday and Friday were both NSDs (not really tracked these recently so that is 2 NSDs already I am going to target 15)

Personal targets wise

- Drink more water - Thursday & Friday I did really well with this, yesterday and today not so much. I did feel better when drinking more though so will maintain this.

- Exercise more - EPIC FAIL! Not really done anything really so this got to change

- Read more, less technology - I take a book to work and read every day, I need to keep up with this, it gives me a welcome break from my phone and pc.

Also tried to sleep early without much success, one night I fell asleep at 8:30pm and was awake and feeling refreshed at 11:30pm haha, not ideal when up at 5am for work. Hopefully this will improve over time.

Plan for 4 days off:

- Finally sort garage (couldn't do last week due to rain).
- Speak with Cabot re a debt ( they been very difficult).
- Read and catch up on diaries .
- Complete the next 12 month budget (been dreading this) but will be useful to do.

Hope every one has had a lovely weekend, so looking forward to this 4 days off

Unicorn_cottage

FootyFanDan

What a journey! You said hi on my diary so have spent today reading yours Just want to say well done and I wondered, as a motivational thing, have you worked out how much you have saved by not having as many C*stas?

I also wanted to say have you thought about the future and what you will do with all this knowledge you have acquired on budgeting etc? I know you mentioned in your first post that you want to be a homeowner Is this still motivating you?

You are doing great. Keep going x

FootyFanDan

Unicorn_cottage wrote: »

FootyFanDan

What a journey! You said hi on my diary so have spent today reading yours Just want to say well done and I wondered, as a motivational thing, have you worked out how much you have saved by not having as many C*stas?

I also wanted to say have you thought about the future and what you will do with all this knowledge you have acquired on budgeting etc? I know you mentioned in your first post that you want to be a homeowner Is this still motivating you?

You are doing great. Keep going x

Hey thanks for popping by, that's a great idea I really should work it out I guess the figure will be really high. I do still have the odd C*sta, however I now pretty much manage to avoid it most times. I have had 5 in the last 4 months, I was having it at least once a day for 16 days a month as long as I have worked at my current job which is 18 months....you imagine the figure..that is a scary thought:eek:

This is possibly going to sound a little entitled which is certainly isn't meant to be but if I can provide a stable upbringing for my daughter and go on holiday once a year I would be happy. I want to be able to provide my daughter experiences rather than material things and in order to do that I had to focus on where all the money was leaking. I would love to be an homeowner so yes this does still provide a motivation, still seems way off.

[Deleted User]

FootyFanDan wrote: »

Hey thanks for popping by, that's a great idea I really should work it out I guess the figure will be really high. I do still have the odd C*sta, however I now pretty much manage to avoid it most times. I have had 5 in the last 4 months, I was having it at least once a day for 16 days a month as long as I have worked at my current job which is 18 months....you imagine the figure..that is a scary thought:eek:

This is possibly going to sound a little entitled which is certainly isn't meant to be but if I can provide a stable upbringing for my daughter and go on holiday once a year I would be happy. I want to be able to provide my daughter experiences rather than material things and in order to do that I had to focus on where all the money was leaking. I would love to be an homeowner so yes this does still provide a motivation, still seems way off.

Doesn't sound entitled at all, being able to provide your daughter with a great, enriching quality of life is a very worthy goal x

FootyFanDan

SSDD23 wrote: »

Doesn't sound entitled at all, being able to provide your daughter with a great, enriching quality of life is a very worthy goal x

Thank you . I do try.

FootyFanDan

Morning All,

Not much to update really, haven't had any unplanned spends so that is good. Yesterday had to get a top up shop, but should be no more spends now til Friday.

Not much really planned for today, will probably catch up on diaries. I have worked through budget and it i should be able to clear the final Lowell payment and a massive chunk to clearing the debt to Mum. It seems a bit of a failure that at the beginning of my diary that was my number 1 goal and yet it still remains outstanding, but other debts have been cleared and I am starting to see benefit of budgetting

mark55man

yay £4,XXX - well done

FootyFanDan

mark88man wrote: »

yay £4,XXX - well done

Cheers Mark, the figure is coming down slowly. The plan is to hit it a little harder in the new year. I have a few things coming up finance wise...I have MOT due in early December so that will need to be accounted just in case anything comes up with that.

After xmas I plan to adjust my budget slightly as some of my outgoings will drop, so will have more to throw to debt too

Unicorn_cottage

A stable upbringing for your daughter and a holiday once a year are great goals

Well done on clearing down the debt to your Mum. You will get there!

FootyFanDan

Unicorn_cottage wrote: »

A stable upbringing for your daughter and a holiday once a year are great goals

Well done on clearing down the debt to your Mum. You will get there!

My daughter is motivation enough, I should have kicked the debts !!! years ago but no time to look back.

I think when I can take a moment to reflect I am really pleased with progress...gotta start taking care of me too a bit now, but that can be my new goal after debt freedom haha