Must try harder!

moving_forward

They are really small now so one is never enough ☺️

nannygladys

I'm boring with cream eggs, I love the chocolate but not very fond of the fondant, so I prefer a  bar of cad..... suits  me fine.
Nannyg

moving_forward

Nothing wrong with knowing what you like @nannygladys
I have eaten one too many of creme eggs for a bit so will switch to some other lovely morsel for a while 😜

WinterWarrior

Good morning and happy Wednesday 🍫📚☕️

I have booked Friday off 🎉 Not to do anything, but just because! So just the hump and tomorrow to get through. Money is boring at the moment, I want to update some totals, but nothing can move until Monday ☹️ I have been tweaking my spreadsheet and have a nasty feeling I won’t get to pre ‘the bad month’ savings until March as I’m leaving myself very short.
I hope you all have a wonderful Wednesday filled with all good things 🌈☕️🍫📚

jwil

Yay for a day off!  Have a good day x

moving_forward

Morning WW and chums. I would find it very hard booking the Friday BEFORE payday off so make sure you lock your purse far far away from temptation 💸

WinterWarrior

Oh here I am again with new ideas! Someone hold me back 🤣
looking at the spreadsheets I think instead of concentrating on recouping ‘the bad month’ I could go a different way and instead fully fund my pots (apart from Christmas) and add to my pb’s. Then all future months can be used for ‘saving, savings’ and I will just refill a pot each time it’s used…kind off like the snowball method where you stop everything to refill the EF if you’ve needed it. My pots are all yearly expenses (mot, service, insurance, pr*me), the roughly quarterly (heating oil) and then Christmas. Birthdays are budgeted as they arrive and from that months wages. So this would give me one lesser savings month, but would then mean everything can go to savings in other months, apart from when a pot is used..and it will stop me worrying about the pots. I’m lucky in that I have enough in most of them already that I could do this in a single swoop on Monday and still add to the pb’s. This would leave me with £140 spends for February.
in other news I have a packet of shortie swirl biscuits for breakfast….that’s just a 2 pack for those who were wondering 😬

WinterWarrior

moving_forward said:

Morning WW and chums. I would find it very hard booking the Friday BEFORE payday off so make sure you lock your purse far far away from temptation 💸

(Whispers…MrWW gets paid on Friday 🤫) 

moving_forward

(Whispers back...shush someone will hear and spoil the fun)

moving_forward

If something ain't working fix it so go for the new method. I have to change things around regularly to a. Keep me motivated and b. Find a method that works for us. 
I gave up on good or bad when I decided it made me feel crap.