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Must try harder!

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To echo the words of many a school report, I must try harder! 
My dad often quoted ‘a fool and his money are soon parted’ and it’s taken many years and losing my dear dad before I really took it to heart that I am that fool.
My position isn’t terrible, but I’m terrible with money. I often get to the middle of the month with nothing left. I have pots set up in a Monzo account, fill them and empty them every month. I have a savings account, put some in and take it back. I watch Dave Ramsey YouTube clips and get inspired, but can’t even get to the £1k emergency fund!
So to keep myself accountable, here I am!
My husband and I keep our finances separate, we don’t have children and we share the mortgage payments, etc. We have both had bad experiences with shared finances in the past, so this works well for us.
I have 2 loans and am on the pay your debt by Christmas 21 thread and have been hammering overpayments to get these done (about £9k left). After this I hope to fund a 6 month emergency fund and then start overpaying the mortgage. 
I have a credit card which I clear every month, but often there’s a lot on there and it sets me back before I’ve even started on the next month. 

So my short term aims are:
  1. pay loans off in 2021
  2. put money in pots and not take it back out
  3. put money aside to fund the month up front instead of running behind and using the credit card and then paying it off the next pay day
  4. stop frittering...so much is wasted on silly things (on line slots (now blocked, I was getting really silly), amazon purchases, kindle books when I could choose free ones, etc).
I’m so ashamed that on the 14th I have no money left apart from £50 to cover a birthday present. My card is zero now, but anything I need until the 30th will have to go on there, so I really must make sure it’s kept to a minimum. Part of the household split means I don’t pay for food and I already have a full tank of fuel, so it should be doable with a bit of effort. I work from home and we are in the sticks, so only on line shopping will trip me up.
good luck to everyone out there who’s struggling. We can do it x
Not all who wander are lost - J.R.R.Tolkien
🌊 A smooth sea never made a skilled sailor 🌊

My WW and friends diary is here 😁 … 
https://forums.moneysavingexpert.com/discussion/6259606/must-try-harder/p1

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