Must try harder!

WinterWarrior

Thanks @rdone, it’s lovely to see you and I’m so glad you appreciate bill paying too. 

I have a huge panic if I think I owe anybody anything so want to settle any payment as soon as I can (and feel happy doing it)! I wish I’d had the same panic when I signed up for the loans 😖

WinterWarrior

Good morning ☀️ Happy Friday ☀️ Happy pay day ☀️

Oh lovely, lovely pay day! Up early to pay bills. The big birthday present is done (£280), the pet food is cleared (so the cc is back to zero), money has gone to pots, savings and £50 p.w. allocated to personal spends. 

My main account has all the dd’s covered. There should be £35 left at the end of May to go to loan 1 as an overpayment, but instead of my usual pay now, panic later, I will wait and sensibly do this before next pay day as a little safety net to stop me hitting the pots.
loan 1 will be down to just over £1k and loan 2 will be under £7k when the payments go out this time. I will update exact figures next week. 

Yesterday I cashed £5.64 from surveys and that went straight into my birthdays & treats pot.
so after that flurry of movement I now need to get a grip and stick to my weekly spend limit. I haven’t allocated fuel this month as I have an almost full tank in my car and the heating oil is an ok level. I will need to account for these next month, but won’t have a big birthday present then!
So I had a lovely time, but now back to frugality....
Have a wonderful day diary friends, I hope the sun shines for you, the spends are low and the happiness levels are high ⭐️

WinterWarrior

Just popping back in to blow my own trumpet 🎺....it’s 4.40pm on pay day and I’ve not bought anything yet, nothing, nada, zilch. Oh how exciting if I make it to an NSD on pay day 😮...crosses fingers and rubs dogs head for luck! 

Perhaps I should go straight to bed after work to avoid temptation? 

CRANKY40

Happy Friday to you too and well done. I have my fingers crossed for your NSD. It was my payday too and I've only bought the food items on my shopping list. A very small shopping list. It's amazing what can be achieved if you concentrate isn't it?

Sun_Addict

A NSD on payday can officially be classed as a miracle 😆 

BalanceBy50

WinterWarrior said:

Just popping back in to blow my own trumpet 🎺....it’s 4.40pm on pay day and I’ve not bought anything yet, nothing, nada, zilch. Oh how exciting if I make it to an NSD on pay day 😮...crosses fingers and rubs dogs head for luck! 

Perhaps I should go straight to bed after work to avoid temptation? 

Yay - well done on a nsd! Mine isn’t - how come buy a few bit in A!di turned into £72 & I have my weekly online shop coming in the morning! Can I join you in. Any & try and admire my Monzo pots too? X

[Deleted User]

HAPPY PAYDAY @WinterWarrior - well done on your NSD's too. Hope you did your money shuffle dance this morning? Have a lovely bank holiday weekend x

WinterWarrior

@MrsBrownBear I did indeed do the happy money shuffle dance...all be it quietly while I was still in bed 🤣
@BalanceBy50 A!di is tricksy...pretends to be all MSE and then bam! Yes let’s admire our pots instead...imagine how lovely they’ll be next pay day 😮
@Sun_Addict I like your thinking...we need more miracles!
@CRANKY40 well done on the small shop, you are doing great! 

beanielou

Popping in to say hello & well done on getting to payday!

Why don't you join the NSD thread? Run by the lovely cathybird. 
You decide what you are going to count at the beginning of each challenge. 
ie I don't count food or petrol or cat food unless I go over budget.

Keep plodding 

beanielou

https://forums.moneysavingexpert.com/discussion/6263741/magnificent-mays-nsd-challenge/p1?new=1