No excuses

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




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Comments

  • Following :) 

    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! 
    Debt free November 2022 


  • Following :) 

    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! 
    Thank you so much for following! i really appreciate that. My bank account now does that it tells you where you spend the most money - i like it but i dont (If you see what i mean lol) i defo need to be better and i am determined. its not that i am really bad but it has suddenly dawned on me just how much i waste.... xx

  • Good luck on your journey! I can impulse buy very easily. If you can order things from your phone in a matter of minutes - you have an app, which works seamlessly, and your phone saves your details so you don’t even need to dig out your card, it’s so easy to spend a fortune.

    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. 
    CC: £0!!!!!! (have paid off £13,000+ over 3 years-ish)
    Student loan: GONE

    Goals for end of 2024:
    EF: £1,000/£1,000
    House repairs: £100/£2,000
    Building insurance (due Sep 2024): £400/£400
    Safety net savings: £1,500/£3,000 
    Holiday fund: £1,000/£5,500
    Christmas: £0/£1,000
    Fun pot: £50

    2025 goals:
    Holiday fund: £4,000
    Christmas: £1,000
    To partner: £8,000 - no hurry to pay)
    Save for house move: £10,000

    DFD: Finally taking back control after a decade of debt
  • FootyFanDan
    FootyFanDan Posts: 1,368 Forumite
    First Anniversary First Post Name Dropper
    Good Luck on your journey :) 
  • Good luck on your journey! I can impulse buy very easily. If you can order things from your phone in a matter of minutes - you have an app, which works seamlessly, and your phone saves your details so you don’t even need to dig out your card, it’s so easy to spend a fortune.

    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. 
    Thankyou i am going to start that! good tip. i will need a week though lol

  • Good Luck on your journey :) 
    thankyou i appreciate that!

  • good luck,it sounds like you have some good plans in place! I also tend to fritter money away and then regret it,and like you I also feel at my best when I’m organised and in a routine, and yes I love a list and a tidy house! Just need to declutter a bit more,it’s only clothes etc I have too much of but I dream of being very minimalist!
    Looking forward to seeing your progress,we sound quite similar!😊
  • Amber1980 said:
    good luck,it sounds like you have some good plans in place! I also tend to fritter money away and then regret it,and like you I also feel at my best when I’m organised and in a routine, and yes I love a list and a tidy house! Just need to declutter a bit more,it’s only clothes etc I have too much of but I dream of being very minimalist!
    Looking forward to seeing your progress,we sound quite similar!😊
    I love a good declutter but the thing i struggle most with is clearing out shoes bags and clothes. Anything else doesn't phase me. I think because i didn't have much clothes etc when younger its like a sin to throw out. i have a few things with tags on so today i am going to try them on and if i dont like or dont fit i will sell on FB. :) 
  • Morning all 

    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
  • Morning so its pay day today and i have organised my money and re calculated the budget. I have given myself £200 per month if i don't spend it all it will roll on to next month or i'll save it in the house. I have started withdrawing money every month. There is something about not breaking a note for little things (which add up) and also having a wee competition with myself how long its in my purse for! I was always surprised with this after i quit smoking (10 year now) and how long a fiver could last me (cigs have gone up considerably since then!

    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 :) xx



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