Chapter Almost 40

lianne1984

Hello to anyone who's dropping in...

I'm almost 40, a single mum on a pretty low income, doing my very best to stay afloat.
Juggling trying to get by, get paid, create a fun life for my boy, create memories, have a social life & not start every week in my over draft,,, it's all good fun right? 
The COL crisis has recently made it more difficult to bring my debts down as quick as I would like, but doing what I can.

I'm starting this to keep myself accountable, making small (no matter how small) Payments a Day, work on boosting my income & sticking to my No Spend Day targets.

Slowly but surely, I've got this! 

lianne1984

So, July 1st...

Going into this month with a debt of £3196. 
It went up in June rather than down frustratingly but that was due to me ordering some bits to my Next account & adding onto my Creation plan. July may be a tricky month as it's the summer holidays so there will be days out to be had, a UK holiday to fund (although I've done pretty well with my holiday savings target) & my child will undoubtedly eat me out of house and home  but we'll see how it goes. 

My goals for July are to stick to my targets as best as I can, get enough in my savings to have the best UK holiday & look for another 0% interest credit card to transfer my balance to as I'm coming to the end of the 0% interest period on mine.

There was no NSD today as I treated my boy to a new football shirt, managed to redeem a good amount from the rewards on his membership card though, winning! 

Withdrew £5.68 from surveys which is a good start.

Had a lovely evening for my friends husbands surprise garden party this evening, and started my One Million Steps for Diabetes UK Challenge with a good 12K steps so a good day all round. 

WinterWarrior

Good luck. That’s a nice list of challenges.
Do you have a budget and an soa to follow? You don’t need to post it, but it’s helpful (and sometimes surprising) to see exactly what is coming in and going out.

lianne1984

WinterWarrior said:

Good luck. That’s a nice list of challenges.
Do you have a budget and an soa to follow? You don’t need to post it, but it’s helpful (and sometimes surprising) to see exactly what is coming in and going out.

Thank you.

I do but it needs a do-over so I need some life admin time to go over it all. I should've probably added that to my list of goals for the month 

lianne1984

PAD today £10 to CC and £1.75 to the holiday savings. 

Did treat LO to a Nandos lunch out today but we hardly ever eat out, I did really well on earning extras last month and sometimes it's nice to have a treat 

Plus I did another nice 12.4K walk towards the One Million Steps Challenge