There is always tomorrow

Sponge_pudding

Our final payment for the holiday went out over the weekend, and once I added the weekly spends to it, DH had £27.70 left for debt, small but positive. However, I am going to ignore this, as the bank account will go overdrawn over the next week or so while I wait for my wages, so as the overdraft is the highest interest, it makes sense to leave it there. Next week's wages from DH will be healthy again, so there should be a few hundred to pay to the debt. I did think about just paying it over to set a habit but couldn't bring myself to do it.

I made cakes this weekend but ran out of time for biscuits, so I bought 3 packs of nice biscuits in Lidl with 15% off, that'll do.

We've had a few nice days which have warmed up the house, it goes colder by the evening, though. Blankets and hot water bottles are still being used. I have set an oil radiator to come on around 4am and go off about 7am, this heats our bedroom, and I am finding I sleep much sounder and for longer. I think I was waking up early because I was cold.

Sponge_pudding

I'm so crap at this. I always play catch up, never prepared or ahead. I so want to post on here regularly so I remain accountable, but its so hard to remember and stay motivated.

Debt is around £18,000 and I want it gone by May 27.

DH wants to go away on holiday and I don't blame him, he works hard, doesn't drink, smoke and we rarely eat out, but things are tight.

I need to pay the debt off and I bloody well need to do it, last chance.

We use Olio, keep the car on efficiency, buy cheap clothes when we're desperate.

We are well off in terms of assets but very low on income and that balance needs to change.

By May we want to be Debt free and have a little bit put aside.

Get a grip and get it sorted!!

Sponge_pudding

Updated debt, better than I thought.

Updated signature to show Christmas fund, made up of shopping money excess each week.

Shopping purse this week £70/65.01 been really frugal and stayed home.

Making dinner to take with me tomorrow so I don't buy from the cafe and reusing my water bottle.

Have done 2 hours extra overtime this week.

Sponge_pudding

5 hours overtime this week now, didn't feel too hard either.

Took coffee, lunch and water with me today rather than use the canteen.

Tomorrow I am taking some potato, lettuce and tuna in my lunchbag, with some Mayo. I would have made fish cakes but I am so tired after studying and working extra hours today, I'm just happy with anything. Some salty doritos (cheap lidl ones) and a couple of peices of dark chocolate for lunch as well. Will take coffee too.

I did spend £3 from my purse today which is separate to my shopping budget. I bought 3 books that will help with my studies, each valued at a lot more.

Shopping budget £70/65.01

Purse approx £21 too tired to go and get it to count but it's around that amount.