Must try harder!

Naomim

That's it @Baileys_Babe

I should get back on the old style boards. A mine of information on there!

WinterWarrior

Good Morning and happy Thursday ☀️ I can almost smell the weekend from here!
Lots to do today, but I have tomorrow booked off so I can get to the post office. 

I’m hoping the elusive pay slip will be there today and I won’t have to wait until Monday ☹️

I haven’t been at all good this month and will have some money to ‘pay back’ on payday 😖 Next month I’m kicking back in with the spending money. I’m thinking £10 a day might work, rather than £50 a week. That would give me the option to buy a book, sweets, whatever, or save for something bigger. I kept blowing the £50 and crashing out, plus the windfall got me over excited. Now I have to pull back and behave. 

Today will be NSD9…shameful! I’m aiming for 15 and fast running out of time.
Act your wage WinterWarrior, Act Your Wage! Live like no one else, so you can live like no one else. I have been overdosing on Dave Ramsey 😬🤭

jokono

Good morning!
Sounds like a good plan, and how nice your  work week ends today ❤
I've heard/read about Dave Ramsey but never watched any of his videos. I like all the quotes you've been sharing, I might watch something during lunch today.

WinterWarrior

@jokono he’s famous for his rants and telling people off when they’re silly 😁 some stuff doesn’t translate well, but some is very sensible. There are a lot of his quotes on his Instagram page too. 

Sun_Addict

I used to like that programme Your Money or Your Life with Alvin Hall, he used to tell people off 😆

My payslip is there today, I get paid next Wednesday too. 

WinterWarrior

Sun_Addict said:

I used to like that programme Your Money or Your Life with Alvin Hall, he used to tell people off 😆

My payslip is there today, I get paid next Wednesday too. 

Mine too…hurrah!
I need to look up Alvin Hall now.
to be fair I need one of these ranty American gurus following me around and slapping me every time I try to do something silly…that would work best for me 😬….spell check changed ranty to randy, so I’m very, very glad I read it back 🤣 imagine having a randy American guru following you around 🤣🤣🤣🤭

Kakiste

I quite like Dave Ramsey. I find his rants amusing. I think he comes across best on twitter though. 

MissRikkiC

WinterWarrior said:

Sun_Addict said:

I used to like that programme Your Money or Your Life with Alvin Hall, he used to tell people off 😆

My payslip is there today, I get paid next Wednesday too. 

Mine too…hurrah!
I need to look up Alvin Hall now.
to be fair I need one of these ranty American gurus following me around and slapping me every time I try to do something silly…that would work best for me 😬….spell check changed ranty to randy, so I’m very, very glad I read it back 🤣 imagine having a randy American guru following you around 🤣🤣🤣🤭

This made me LOL 🤭

CRANKY40

Good morning. The trouble with the £10 a day thing is that it's tedious. I tried it with the grocery shopping but I don't like food shopping so I found it hard to do. Once or twice a week is more than enough for supermarket shopping. Maybe just do yourself an amazon basket and when it gets to the end of the week decide what goes and what stays with a limit of £50/£60. Allocate one day a week as your shopping day and try to stick to it - possibly Tuesday or Wednesday so that your purchases arrive by the weekend for you to enjoy. 

What I would do is double up on week one so that you don't have to wait a whole week to start this - the "do without" thing is never popular in this house. That means you'd have some goodies on the way while you work towards next weeks list. You don't have your big loan to pay so if you started today you could easily pay the money back from next month. 

WinterWarrior

Good morning @CRANKY40.  I was thinking I could roll over my £10’s on NSD days (or borrow from them) if required for bigger things, but your idea is good too. This is purely for frittering spends, wants, not needs and should be plenty….if only I can train myself to stop being a twerp!