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Facing reality

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  • joedenise said:
    Food shopping is essential but I still count it as a spend day!  I don't count days when DDs come out though as they come out throughout the month rather than all on one day - I get my money weekly and monthly so don't want them all coming out at the same time!

    Healthy eating - just start!  Don't put it off until tomorrow - you know it never comes!

    OK thanks I was sort of thinking along same lines but also seen people say they don't include it. Just have to try limit number of days I go to shop lol. 
    Yep I agree. I also want to try and cut back on the McDonald's and takeaways anyway tbh. 
    *Dad loan - £5300 - £7300
    *Virgin Credit Card - £3552.50 - £0
    *Natwest - £1828.35 -£400

    Barclaycard - £2315.25 - £0.00

    Creation Finance - £960.32 £860
    *Total debt - £8560/£11641.17*


    Savings
    *Savings Buffer - £1000/£1500
    *Emergency Fund - £1000/£1500


    New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/
  • ceremony
    ceremony Posts: 241 Forumite
    Third Anniversary 100 Posts Name Dropper
    I hope you manage to do something nice for your birthday! Definitely get yourself in at the salon as soon as it's safe to do so.
    I don't really track NSDs like some people do, but I have a weekly food budget and anything above that 'counts' as being a luxury. Good news is I have no social life right now so I'm not eating out, or getting coffees out - so that saves a fortune!
    Start Debt Jun 2020 = £10,036 - Current £5,894 | #324 £1,000 Emergency Fund Member - £205
  • ceremony said:
    I hope you manage to do something nice for your birthday! Definitely get yourself in at the salon as soon as it's safe to do so.
    I don't really track NSDs like some people do, but I have a weekly food budget and anything above that 'counts' as being a luxury. Good news is I have no social life right now so I'm not eating out, or getting coffees out - so that saves a fortune!
    I still somehow manage to spend my spending allowance each month despite having no social life. Clearly I have been having too many lunches on go! Think might have a look back through last 6 months in ynab to see what been spending it on 
    *Dad loan - £5300 - £7300
    *Virgin Credit Card - £3552.50 - £0
    *Natwest - £1828.35 -£400

    Barclaycard - £2315.25 - £0.00

    Creation Finance - £960.32 £860
    *Total debt - £8560/£11641.17*


    Savings
    *Savings Buffer - £1000/£1500
    *Emergency Fund - £1000/£1500


    New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/
  • mark55man
    mark55man Posts: 8,205 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    That's a good idea - if a bit scary!.  But the thing I have learned is the amount you can save by not spending small amounts of money (or at least not spending so often) is a real game changer when it comes to your end of month balance
    I think I saw you in an ice cream parlour
    Drinking milk shakes, cold and long
    Smiling and waving and looking so fine
  • Bluegreen143
    Bluegreen143 Posts: 3,704 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    @Sarahwithlove just found and subscribed to your diary! How’s the healthy eating going? We are feeling a bit peckish between meals after going cold turkey on all the chocolate, cakes etc!
    Part time working mum | Married in 2014 | DS born 2015 & DD born 2018

    https://forums.moneysavingexpert.com/discussion/6542225/stopping-the-backsliding-a-family-of-four-no-longer-living-beyond-their-means/p1?new=1

    Consumer debt free!
    Mortgage: -£128,033

    Savings: £6,050
    - Emergency fund £1,515
    - New kitchen £556
    - December £420
    - Holiday £3,427
    - Bills £132

    Total joint pension savings: £55,425
  • mark55man said:
    That's a good idea - if a bit scary!.  But the thing I have learned is the amount you can save by not spending small amounts of money (or at least not spending so often) is a real game changer when it comes to your end of month balance
    Haven't got round to doing it yet as my laptop isn't working very well at the moment and bit of a slog on the app. Gonna see if can do it on my ipad. Have managed to resist temptation of buying myself a coffee twice this week and no sweets and Crisps have been purchased. 
    *Dad loan - £5300 - £7300
    *Virgin Credit Card - £3552.50 - £0
    *Natwest - £1828.35 -£400

    Barclaycard - £2315.25 - £0.00

    Creation Finance - £960.32 £860
    *Total debt - £8560/£11641.17*


    Savings
    *Savings Buffer - £1000/£1500
    *Emergency Fund - £1000/£1500


    New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/
  • @Sarahwithlove just found and subscribed to your diary! How’s the healthy eating going? We are feeling a bit peckish between meals after going cold turkey on all the chocolate, cakes etc!
    Thanks! It's OK not as well as I would like but I'm trying to remind myself that I'm doing better than I was. I too am finding I'm hungry during day so been snacking on fruit mostly. We ate the last of the chocolate in the house and there's only enough proper hot chocolate left for two cups so going to let my housemate have that and use the lower Calorie stuff for myself. But we have no junk food in the house anymore so hopefully should be easier. Just need to reign in on the fizzy drinks now. But it's only thing keeping my sweet tooth at bay currently 
    *Dad loan - £5300 - £7300
    *Virgin Credit Card - £3552.50 - £0
    *Natwest - £1828.35 -£400

    Barclaycard - £2315.25 - £0.00

    Creation Finance - £960.32 £860
    *Total debt - £8560/£11641.17*


    Savings
    *Savings Buffer - £1000/£1500
    *Emergency Fund - £1000/£1500


    New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/
  • joedenise
    joedenise Posts: 17,646 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    I do Slimming World which is basically a healthy eating plan and I rarely feel hungry between meals but if I do it's usually fruit or I'll use my syns for a square or two of dark chocolate.  At the moment my snacks are HM falafel as on SW these are a free food;  I've also got some HM hummus which can also be made as a free food but I prefer to make it with tahini and then use my syns and have a small amount with veg sticks.

    If I want fizzy drinks I just make sure I buy sugar free ones or have fizzy water with sugar free squash.

  • joedenise said:
    I do Slimming World which is basically a healthy eating plan and I rarely feel hungry between meals but if I do it's usually fruit or I'll use my syns for a square or two of dark chocolate.  At the moment my snacks are HM falafel as on SW these are a free food;  I've also got some HM hummus which can also be made as a free food but I prefer to make it with tahini and then use my syns and have a small amount with veg sticks.

    If I want fizzy drinks I just make sure I buy sugar free ones or have fizzy water with sugar free squash.

    I used to do slimming world, maybe i need to look at it again. It's just an expense I was hoping to avoid if can manage it on mfp for now. 
    *Dad loan - £5300 - £7300
    *Virgin Credit Card - £3552.50 - £0
    *Natwest - £1828.35 -£400

    Barclaycard - £2315.25 - £0.00

    Creation Finance - £960.32 £860
    *Total debt - £8560/£11641.17*


    Savings
    *Savings Buffer - £1000/£1500
    *Emergency Fund - £1000/£1500


    New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/
  • joedenise
    joedenise Posts: 17,646 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Have you still got the books Sarah?  You could carry on doing SW and come and join the thread on the Health and Beauty board for SW support.  There are lots of SWers on the forum and several who post regularly.

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