No excuses
teaandcupcakesplease
Forumite 211 Posts
Hi, long term lurker, ocassional poster, First time Diary.
About me
I and 47 with a 8 y/o DD. I have a long term partner (20 +years) both work good jobs with reasonable income. My partner is excellent with saving me however, i'm a bit of a hit or a miss. I can save but i am fritter and a bit of a shopaholic. My goal is to save as much as i can without being miserable but recognising that i don't need stuff and to be savvy with the things i do buy. I am also diagnosed with MH conditions so that also puts a spin on things. I like to be organised and feel better with lists and plans, tidy house tidy mind that sort of thing.
I don't have a lot of debt but its debt all the same. Currently it stands at CC £1100. I have the means to pay this off but what happens is i just use the credit card again and run it up so this time, i have decided that for me, the only way i will learn is by paying it off over time that way it will matter more and perhaps teach me a lesson
I have also just about to transfer this over to a 0% interest rate.
I do a budget every month but i think i underestimate how much personal spends i give myself and perhaps i am too ambitious with saving so taking that into consideration i have a new budget.
i hope i get some followers.... over time ill tell you more about me but for now i have a few things to sell on FB pages.... i cant wait for payday now (MONDAY)
thanks for reading
About me
I and 47 with a 8 y/o DD. I have a long term partner (20 +years) both work good jobs with reasonable income. My partner is excellent with saving me however, i'm a bit of a hit or a miss. I can save but i am fritter and a bit of a shopaholic. My goal is to save as much as i can without being miserable but recognising that i don't need stuff and to be savvy with the things i do buy. I am also diagnosed with MH conditions so that also puts a spin on things. I like to be organised and feel better with lists and plans, tidy house tidy mind that sort of thing.
I don't have a lot of debt but its debt all the same. Currently it stands at CC £1100. I have the means to pay this off but what happens is i just use the credit card again and run it up so this time, i have decided that for me, the only way i will learn is by paying it off over time that way it will matter more and perhaps teach me a lesson
I have also just about to transfer this over to a 0% interest rate. I do a budget every month but i think i underestimate how much personal spends i give myself and perhaps i am too ambitious with saving so taking that into consideration i have a new budget.
i hope i get some followers.... over time ill tell you more about me but for now i have a few things to sell on FB pages.... i cant wait for payday now (MONDAY)
thanks for reading
7
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Replies
Also new here and also a bit of a shopoholic!
I don't think I realised how much I was spending in certain areas until I went through 3 months worth of bank statements and categorised each item into groups. It was eye-watering how much I had spent on shopping, gifts and takeaways for example and gave me the real kickstart I needed to being better with my money!
Good luck on your journey!
I’ve taken the popular 72-hour approach. Wait three days, and if you still REALLY want it, then you can buy it. Change the three days to a week if you need to.
LBM - 01/02/2021: CC (1) £8400
22/03/2022 (by priority): EF: £700/£2200; CC £5500 (at 0% 07/2022); partner: £1800/£9800; Dream holiday: 0/£3000; Extra 3K in current account: 0/£3000; tax 1900/1900; Month exp; 3000/3000
Paid off:
Self assessment tax: £1900
Partner: £1800
CC debt: £6200
Month expenditure: £3000
EF: £700
Total paid off: £13600
To go (excluding holiday and extra 3K): £15,000
Targeting £1,000 p/m From 01/2022. All goals reached (£25,200): 12/2023. (38%)
N.b. Debt up due to house purchase and redundancy... back on track after those setbacks!
DFD: Finally taking back control after a decade of debt
Looking forward to seeing your progress,we sound quite similar!😊
my payslip was in. I was due a little back dated wage rise (not alot) so i have £185 extra. it wont always be like that as the wage rise is like 1% if that and with NI going up etc i will no doubt have a wage reduction going forward HOWEVER, it is what it is but this month i have the extra so to the credit card it goes. i have transferred over to a o% interest so will pop the figures down on Tuesday (once payday has been and gone and i know what the true figures are.)
I put a couple of things i had in my wardrobe on FB they still have the tags on them but realistically i wont wear them. they were both £45 on the tags (although i am positive they were sale items) anyhoo i have popped them on for £20 ono if they don't sell or no interest i will reduce the price and may even list on ebay. I don't like doing this. Not because its hard, tbh i'm just lazy when it comes to that..... (not point in lying lol)
Have the best day people. Lovely snow here and sun shining... always nice when your cosy and staying in lol - now to get on with work. (i work Full time WFH for the time being)
Tea x
What i would like to do is buy one of those budget planner binders i wanted one last month too but resisted the urge. I still think about it - often maybe i can put it on a bd list or something
I now have 0% on Tesco Credit card current balance £850 and next card £210 (i forgot about next when i started the diary) so today i have paid £200 towards debt. It would have been a little more but the Car Ins is due. i still haven't sold the clothes so i have one more site to put it on failing that its ebay.
I have a couple of nights out this month. nothing major a trip to pub and a cheap meal out with work friends. these will come out my £200. i don't really drink that much if honest but with the average drink costing £5 it can get expensive.
Todays job - sort out finances - done
List clothes on FB -
get Car insurance sorted-
Have the best day people