Pay for the future and not the past

MissRikkiC

FootyFanDan said:

Firstly welcome to diary land  . I like you started my journey to try provide a better and more stable future for my daughter and for my future self. I hated the fact that I had lots of debt whilst not really having anything to show for it either. It does sound like you have a pretty good plan in place to sort it though  

Good Luck!

HI FFD - Its no frustrating isnt it! 

Thanks! I have a plan youre right - im also the most impatient person i know which could work in my favour in this case whilst also driving me insane!

jokono

Wow, amazing result with the nursery food, well done!
Good luck with the debt busting 🤞

MissRikkiC

jokono said:

Wow, amazing result with the nursery food, well done!
Good luck with the debt busting 🤞

Thank you. I felt a lot like ‘that parent’ initially but something just didn’t sit right with me about it, I couldnt help myself but investigate. So glad I persevered. 

Thank you, following along your diary also

Loveactually

I will following your dairy closely ... well done on the dairy free lemon cake

MissRikkiC

Very quick update today as I’ve a poorly little girl  

Spends today consisted of £3.74 for a kg of strawberries from the PYO farm and I’ve decided that to go over budget by this would actually be a good way to go. They are delicious! 

£10 collected from a sale of household item 

Loveactually

Wishing your daughter well

MissRikkiC

Thanks @Loveactually

she’s almost over the worst of it. 

Father’s Day and being out of milk today meant no NSDs this weekend but back to it Monday. 

Ended up with an Olio haul this weekend as I really didn’t want it to go to waste and we live in such a small village there was so much! Meal plan probably needs re-doing now to incorporate those things. 

We’ve spent a few bits this weekend that weren’t really budgeted for so need to re
sort everything once I get chance today. 

But after mocking me (in his own, carefree, husband type ‘none offensive’ way) it seems my husband is a little more responsive to eating more like we’re on a budget and not swanning it down the pub every weekend! Even I missed getting a takeaway this weekend though 

MissRikkiC

Its Monday and im SO ready for payday this Friday!


A few things have happened which im annoyed about but also a few things have happened which im writing up as successes so bad news first. 

Ive lost count of Grocery spends for June - for ease i shifted money from another pot, then accidently paid using a different card and to add to things hub did the last shop over 2 days as he forgot half of the stuff the first time round! So i know im slightly over our budget by just reckoning up in my head. 

Ive learnt over the weekend i dont have enough self control for Auctions. Slowly digging out of a hole now.

Lost mojo with £10 a day money making, so need to reestablish what is easy enough to achieve without being dull.


We haven't had a takeaway yet this month (that we've paid for) - this weekend was hard not to get one but we stuck to plans

Meal plan last week was followed to a T - this is progress especially with OH

My daughter was poorly over the weekend and i was EXHAUSTED through her not sleeping and my husband spilled coffee over his shirt just prior to his interview Friday and needed to grab a new one. These are the things which would usually derail me (i know...how silly) but tiredness is a huge factor i think and knowing there is money left with only a little bit for fuel and top up shop to come out before Friday, its so easy to just be whimsical and spend unnecessarily.

BUT, I haven't been derailed! And most importantly i felt the shift from how id usually react actually happen to which was a real lightbulb moment. 

Plans for today

Re-establish mojo for Money making
Price up fencing for garden (using saved spends!)
Chase contractual pay changes email - done
Sign up for product testing/research emails - done
Dig out of Auction hole - in progress
Check back later

anjyeah

You did have an exhausting week it seems, take it easy - we're all going to have set backs at some point, provided that we get to a kicking learning out of it. It starting to feel like last week was horrible for everyone really, so you're not alone. 

Like you've said payday is almost here and you've got a solid plan to offset the upset. 
You're doing fine,

MissRikkiC

I think im also feeling tired still today so not setting myself up with too much to deal with today. 

Ill be back at it later im sure when ive given my head a wobble