Three years to get debt free

Parkyp

Just shows how the camera can lie, totally different colour 🤣🤣. 

You were on holiday your allowed to overspend. 

The best thing I did to help me budget was get rid of my overdraft, I just relied On it. I do have an emergency fund which was the equivalent of my overdraft. I like having that there for emergencies so if I have to use it I make sure I repay it because it’s my money and like to See if back to the full amount. It really does make a difference when your spending your money and not the banks if that makes sense x

Willowtree222

Parkyp said:

Just shows how the camera can lie, totally different colour 🤣🤣. 

You were on holiday your allowed to overspend. 

The best thing I did to help me budget was get rid of my overdraft, I just relied On it. I do have an emergency fund which was the equivalent of my overdraft. I like having that there for emergencies so if I have to use it I make sure I repay it because it’s my money and like to See if back to the full amount. It really does make a difference when your spending your money and not the banks if that makes sense x

Thanks Parky, I have an emergency fund that I lose some money if I withdraw from it and I never touch that 😂. I did so well last year staying out my overdraft I just really need to get back to that. Weather is lovely so I’m in the garden with a coffee. Hoping ex gets DD today so I can get out on my bike. He’s said he’s coming so here’s hoping he takes her out. 

X

BellaLasagna2018

Willowtree222 said:

I would love to learn quilting. I have saved DD’s clothes to cut up and make j to a blanket for when she is 18. Ive got ten years left but really need to sort it. X

I do patchwork and quilting too. It is not too difficult. I am self taught, starting when my DD was a toddler with a hand sewn hexagon quilt. There are plenty of tutorials online, on YouTube and various blogs and website, and lots of groups on Facebook etc. My Instagram feed is mostly patchwork and quilting pictures! 

The only issue is that I have a lot of quilts now. Family keep telling me I should start selling but that would be turning a hobby I something potentially more stressful, so I now make them for Project Linus. 

Parkyp

Hope you get out on your bike.
It has turned out a nice day here to x

Parkyp

BellaLasagna2018 said:

Willowtree222 said:

I would love to learn quilting. I have saved DD’s clothes to cut up and make j to a blanket for when she is 18. Ive got ten years left but really need to sort it. X

I do patchwork and quilting too. It is not too difficult. I am self taught, starting when my DD was a toddler with a hand sewn hexagon quilt. There are plenty of tutorials online, on YouTube and various blogs and website, and lots of groups on Facebook etc. My Instagram feed is mostly patchwork and quilting pictures! 

The only issue is that I have a lot of quilts now. Family keep telling me I should start selling but that would be turning a hobby I something potentially more stressful, so I now make them for Project Linus. 

I’ve just googled project Linus, such a great idea. My friend loves knitting Baby clothes and if no one she Knows is having a baby she donates then to the local hospital. 

Willowtree222

BellaLasagna2018 said:

Willowtree222 said:

I would love to learn quilting. I have saved DD’s clothes to cut up and make j to a blanket for when she is 18. Ive got ten years left but really need to sort it. X

I do patchwork and quilting too. It is not too difficult. I am self taught, starting when my DD was a toddler with a hand sewn hexagon quilt. There are plenty of tutorials online, on YouTube and various blogs and website, and lots of groups on Facebook etc. My Instagram feed is mostly patchwork and quilting pictures! 

The only issue is that I have a lot of quilts now. Family keep telling me I should start selling but that would be turning a hobby I something potentially more stressful, so I now make them for Project Linus. 

Thanks, i do sew and make things abs can use a machine just worried about messing this one up 😂

Willowtree222

Parkyp said:

BellaLasagna2018 said:

Willowtree222 said:

I would love to learn quilting. I have saved DD’s clothes to cut up and make j to a blanket for when she is 18. Ive got ten years left but really need to sort it. X

I do patchwork and quilting too. It is not too difficult. I am self taught, starting when my DD was a toddler with a hand sewn hexagon quilt. There are plenty of tutorials online, on YouTube and various blogs and website, and lots of groups on Facebook etc. My Instagram feed is mostly patchwork and quilting pictures! 

The only issue is that I have a lot of quilts now. Family keep telling me I should start selling but that would be turning a hobby I something potentially more stressful, so I now make them for Project Linus. 

I’ve just googled project Linus, such a great idea. My friend loves knitting Baby clothes and if no one she Knows is having a baby she donates then to the local hospital. 

It’s a lovely idea x

Willowtree222

Thank you all,

Yes, Parky, I got out on my bike. I just stayed local to get my confidence up. I called at my parents who weren’t home and their neighbour came out asking if I was delivering a parcel. I took off my helmet and she apologised 😂 she said she’d been sat going mad at the cheek of someone parking on the drive. 

DD went out with her dad, had a nice time. I didn’t realise he’d been off work for two weeks and not one. 

Money still dire. Hoping for those eBay bids. 10 days until payday. It’s going to be a long 10 days. X

Parkyp

Morning, hope you first day back goes well x

Willowtree222

Morning everyone,

It’s back to work with that dread feeling I get. Makes me more determined to sort out my finances, but equally I feel low so spend. Have to sort out this cycle and see the long term gain of not spending. Overdraft is eugh and bordering on **** that will impact next pay day which is my own doing. That impacts debt paying which makes me feel rubbish and then I spend. 

I can’t keep this up as I really need to get straight. 

Determined to do this x