So it Begins - The Accountability

Lolina

Was also thinking a wren. RSPB bird identifier tool is really great too!

InDebtEnby

I gave up my audible subscription about a year ago and use the Libby app, since you already have a library card, you should also be able to use it. You can borrow eBooks if you have anything other than a kindle too.

sams247

https://forums.moneysavingexpert.com/discussion/comment/82041556#Comment_82041556

Ooooh……..goes to look 😊

sams247

Well………….. it’s pay day.

Debt Part 1.  I’ve had an uber busy day and work was long and I had very little time to devote to my sideline new hobby

Paid normal bills.  Paid lowest I could on owed credit cards, loans etc.  Felt truly odd thing to do but I do get the important strategy of having an Emergency Fund.  Up till now every emergency (car needing tyres etc) has been scraped at or credit card. So, the extra I did not pay to the debts went into a shiny new Starling account pot I labelled Emergency Fund.  Not imaginative but clear.

I had to (truly) curb my instinct to ‘pop’ into the supermarket to just get a few bits now I had the money, I know full well that I would have spent £30 at the least on things not on any list and gone home a happy but less monied person.  I will do the new plan of a big shop at Aldi tomorrow. 

I contacted my electric bods as the bill was always sent 5 days before payday and would come out as a ‘late payment’ (with no penalty to be fair) on my statement.  So I spent 20 minutes chatting to a nice lady who said yes of course they could move the billing date to coincide with my payday.  And it was done.  Don’t know why I never did that before as it always irritated me.

I pay all my bills etc on payday so I know I owe nowt and I can see what I have left (never much but at least I know).

Food
An odd day.  I had an early breakfast of fruit, a twirl and a handful of mixed nuts as I dashed out the door for the long drive to my medical appointment.  Once home I had a lunch of oven fish n chips.  And a kit kat.  Tea was a Caesar salad wrap, crisps and milk.  Not a healthy day and all meals felt rushed.

I am internally sulking as my fridge is empty and I so hate that.  One shelf in my freezer is also empty, and it makes me edgy.  I am trying hard to tell myself I could last two months on what I have, but my mind says in two days I starve.  I comforted myself with endless meal planning and tonight I shall be watching Australian MasterChef.

Today I had no moment of joy, surprise or frustration.  Not sure I had a moment.  Just plain old busy.

Quote – No one is too busy to tell you how busy they are