Twelve Months To Turn It Around?

ChasingRainbows

I'm back!

Lots has changed in the last 12 months. Debt has now massively reduced to £6,106.20 plus a £400 informal loan from a friend who is in no rush to have it back. I'm in the latter stages of buying a house, just waiting on my completion date. After really knuckling down during lockdown I'm now finding like lots of others that I've totally taken my foot off the gas and I'm socialising a lot more plus splurging on stuff for the new house. Have just turned 40 at weekend and with a new month dawning I'm setting myself some new targets to get myself back on track so.....

• Freezer and pantry inventory done and meal plan completed taking me up to around the 20th of this month. Makes sense to use up as much as possible before the move too so added bonus there!

• Would like to get 15 NSD's this month - today wasn't one as had a grocery delivery

• No more using deferred payment apps to continue spending when the budget runs out

Think that's quite enough to be getting on with and hopefully laying it down here will encourage me to commit 

ChasingRainbows

Not doing great on the no spend day front. Hairdressers and drinks at the pub yesterday and I've promised DD a KFC today. At a festival tomorrow so need to alleviate the mum guilt 😂 
Maybe Sunday I'll manage one....