Getting out of the vicious circle

outoftheviciouscircle

Good morning. 
Im starting to feel a bit meh today. A bit of cabin fever and a ever so slight hangover. 
Will have to get my butt in gear and do something today, I didn’t move off the settee all day yesterday and I wasn’t even being very productive as I sat down.
I did open one new savings and renamed all my accounts, I remember reading somewhere that it motivates you more if your accounts are named. We’ll see how that goes.
looking forward to payday now so I can start to make some payments.

outoftheviciouscircle

Good morning. Didn’t update again yesterday as it was such an unproductive day. I’m afraid lockdown has seen me reach for a glass of wine all too often and probably where a big chunk of our spends went last month. There is no wine in the house now. I’ll maybe add a bottle or 2 on my fortnightly shop but apart from that no more wine. I’ve woke up fresh as a daisy this morning and can already feel it’s going to be a productive day.
Plan if attack today is is clean the house from top to bottom and meal plan. That was supposed to be yesterday’s plan but hey ho today’s a brand new day.
Have a great day everyone. Hopefully I’ll check in later with some positive news.

Honeysucklelou2

Great news on the bonus.

outoftheviciouscircle

Good evening. 
Had a very productive day today. Reminds me how much more I can get done with a clear head. Up early, stripped the bed, walked the dog and back to clean the house from top to bottom. I have this weird thing where after each room is cleaned I light a burner. God help DH if he lights it before the last fleck of dust has gone. 
Made a half effort cooked dinner and made the best Yorkshire puddings I have ever done if I do say so myself. I normally wait till the morning to clean the kitchen while Poppy (the dog) is eating the breakfast but I even did that straight away today. 
Weather looks like it’s turning a bit miserable again today but it not like I have anywhere to go.
Managed another NSD today, DH is right on board with seeing the benefit of taking lunch to work everyday so I think we’ve turned a corner. Which has reminded me I haven’t ade his bottle of squash yet. 
On that subject, I opened my last bottle of Pepsi today. So once that’s gone, it’s gone. 
Remembered today that I am still paying a weight watchers subscription and watching my weight I am not. I’ll get that cancelled tomorrow. 

savingholmes

Glad you had a more productive day. It sets you up for the week then. I swept the front room yesterday and felt able to think more clearly afterwards. 

shoppingobsessed2020

Following.  Glad you’ve had some good news with the bonus.  Defo very well deserved in the current situation!  Looking forward to reading more of your diary.

outoftheviciouscircle

shoppingobsessed2020 said:

Following.  Glad you’ve had some good news with the bonus.  Defo very well deserved in the current situation!  Looking forward to reading more of your diary.

I’ve been reading your diary too. Good luck 

outoftheviciouscircle

Good morning everyone, well good afternoon now. 
It has however been a good morning already which is surprising as I had the most rubbish nights sleep ever. We made the mistake of letting the dog on the bed when she was a puppy and now as a 3 year fully grown lab she still sleeps in bed with us but tends make me balance on the edge. I gave up at 3am and went to the spare room. We’ll never get her out of it now though. 

I have already walked 4.5 miles, I’m part of a motivational Fitbit challenge group on Facebook and it’s certainly making me stay as active as possible during lockdown.  2 loads of washing done and on the line and some mince out of the freezer to make lasagne for tea. I still have done a meal plan but don’t anticipate needing to do any shopping until at lease Thursday. 

I was was looking through all my savings accounts and none of them pay any interest worth having so I’m going to open a regular savings account with HSBC and Lloyd’s today that I can pay £250 a month each into. One at 2% and one at 2.75%. Not a lot I know but better than the pennies I’m getting at the moment. 

As as I lay awake last night, I was thinking of my next dream to become mortgage free but baby steps I know. Need to look at getting rid of this debt first. 
Well I think I’ve warbled on long enough now. Time to start getting busy. 

outoftheviciouscircle

Good morning. Well I’ve had a lovely lie in this morning and feel like I had a fantastic nights sleep last night. The pooch was well behaved. 

DH is off work today so I have some company even if we can’t do anything. 

Not much planned for today. I may look at my gas and electric bills. I changed my British Gas tariff in March and it’s definitely a lot more expensive than my last tariff. My direct debit if £70 was enough to see us through the entire year but now my smart meter is indicating even without the heating in that my costs are running around £68, so I’m going to end up in debit by the end of the year. 

May need a small tip up shop today. The fridge and freezer are looking completely bare. Only 3 more days and I can go back to work. Never thought I would look forward to that so much.

outoftheviciouscircle

Updating late in the day today. 
I’ve  been busy analysing this months finances as it pay day tomorrow YAY!!! It’s also my last day in isolation tomorrow. I never thought I would say that I can’t wait to go to work but I honestly can’t. 
Today I’ve signed back into all the survey sites I used to use. I found that I’m very close to payout on a couple of them so ive made an effort to complete a couple of surveys. I logged into my paypal account just to make sure I remembered the details and found £3.70 in there. Also logged into topcash back and found £15 payable. All this has been paid straight off credit card. I would never have done that before. 
I joined a couple of other sites as well and have already come close to payout on one of them.