The Bones

[Deleted User]

Morning,

Pay day today and money moved about.

I fleeced two of my pots so I could make a big dent on the BC balance. That is now down to £150 :j I juggled other money about so I could round down the MBNA card too. I have money aside if it is needed next month, so I am not overly worried about things.

The debt total is tumbling now - We owe £12,450.00 :T

I still need to keep a look out and see if I can balance transfer the MBNA card over at the end of November.

doingitanyway

Deleted_User wrote: »

The debt total is tumbling now - We owe £12,450.00 :T

Excellent progress

[Deleted User]

Afternoon,

Not quite a new month but now payday has arrived and now I class as gone, it's time to think about the next four weeks and three days until pay day.

I have reset my Habitbull app for the next month for AFD's and NSD's and will try harder to get a grip on it.

November Goals

• Menu list - I didn't do one in October
• AFD's - Going to be ambitious and aim for 15
• NSD's - Again as above and aim for 15
• Gym - Aiming for at lest 2 days a week
• LTW's - This is going good so far, aiming for 20

General Goals

• Sew DD's badges on her blanket - I NEED NAGGING!!!!!:rotfl:
• Put DD's Guide blanket in for dry cleaning
• Finish my book - less than a quarter left to read
• Dye my hair
• Get Christmas lists off the kids
• Walk - Good for my health and steps count
• Take tapestry in for framing for MiL's birthday

I really need to think about next year but I can't yet until I know DH is in and settled in his new job and that his health has settled down.

Kids are on half term next week and I am off on Thursday/Friday. DD wants to go trick or treating, normally she is very much like Wednesday Addams, so she wants to go as her :rotfl: If I get a photo of her, I'll put in on my Insta DS has declined and said he'll any sweets that DD doesn't want lol.

Thursday/Friday when I am holiday, I intend to blitz the house and get it ready for Christmas as much as I can.

jwil

Good luck with November goals.

Get those badges sewn on

beanielou

You are doing well!
Happy sewing:p

HairyHandofDartmoor

OMG haven't you sewn on those badges yet??? well you wanted to be nagged :rotfl:.

Great news on getting the BC so low and lowering your overall debt totals, it sounds much more manageable now doesn't it .

A very sensible list of goals that should be doable I would have thought.

debtaghh

Hi.

I've just realised that you have a new diary!

Well done on the debt reduction and DH's new job. Hope his health issues get resolved quickly.

[Deleted User]

Morning,

Hope all is well? It was a bit too chilly this morning!!

So confession time...we made the decision to up the overdraft to £2K. It wasn't a decision made lightly but will help us.

Once the CC's have been halved next year, the decision is that we will then concentrate on reducing the OD.

DH and I had a long talk last night, we haven't had a proper chat like that in ages and it was good. No rushing about, no kids, just us.

I had my hair cut on Saturday and still feel guilty about spending the money but it is needed.

Badges not sewn on..yet, but will be done whilst I am on holiday this week.

I have my lunch with me today and I am planning on not drinking tonight.

jwil

Glad you and DH have had time to have a good chat.

At least you've got a plan to sort out the cards and the OD.

Have a good day

[Deleted User]

Good morning,

Apologies to the men folk or any prudes that read my diary but feminine sanitary products....I am one of these women that can't use tampons or certain pads as I am allergic. I can use Always and have done for a long time. Over the years I have tried all varieties of brands and have always gone back to Always. Yesterday I was in Asda due to needing some pads and I spotted Asda's own brand. Figured that at 60p it was worth a try and I used one overnight and.......no allergic reaction :j:T so one saved for the memory banks for the future.

Sorry for TMI :rotfl::rotfl:

Moving on................

I put down about trying for 20 lunches to work next month, but I was forgetting that I am holiday for two days so I will only actually hit 19, so I will adjust my target accordingly.

I had an AFD yesterday and slept quite well, I did have a Horlicks which helps a bit.

Lunch today is soup and some bread.

We had a fleece on the bed last night as it has turned chilly. There has been a massive drop in the temperature recently :eek:

I had some 'me' time and read my book for a little while last night.

We tried out a new recipe for dinner last night, it was lovely, although it needs a tweak and some veggies adding. If you fancy it - https://www.lecremedelacrumb.com/one-pan-spanish-chicken-rice/