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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!
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/1 -
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 - £2051 -
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!*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/1 -
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 balanceI think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine1 -
@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: £55,4251 -
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*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/1 -
Bluegreen143 said:@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!*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/2 -
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.
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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.*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/1 -
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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