Dear Diary - help me be Debt Free

jinky67

i use http://www.spendingdiary.com.
Its so simple to use

Lucifa73

I like it! I can use my notebook in the day and update my diary at night - that appeals to the Monica in me no end!:rotfl:

jinky67

Lucifa73 wrote: »

I like it! I can use my notebook in the day and update my diary at night - that appeals to the Monica in me no end!:rotfl:

thats what I do:D
only been doing it for the last couple of months but..:eek: :eek: :eek: there's some right shockers in mine already.
It is scary when you see it all written down:cool:
I love the fact you can categorize it how you like:o
God how sad does that sound?:rotfl:

skint_spice

Lucifa73 wrote: »

I think I'll make my target for June to cut out the 'treats'. In July I'll start to think about scary things like ebaying...

sounds a good idea - if you try to cut everything at once there's a big chance that it'll all get too much and you crash and burn! baby steps...

Good luck getting rid of the debts.:beer:

Lucifa73

I've used the MSE demotivator a couple of times and surprised myself at how things can add up but the good intentions don't last.:o

Hopefully having to write stuff down will make me think about it ...

What do you do when you have an 'oh :mad: -it day'? which is when I'm at my spendiest...

jinky67

Lucifa73 wrote: »

Hopefully having to write stuff down will make me think about it ...

What do you do when you have an 'oh :mad: -it day'? which is when I'm at my spendiest...

Oh believe me it will:rotfl:
Afraid I cant answer that one...you know what I did today:rolleyes:

skint_spice

the 'oh :mad: -it day'? - make myself look at the spreadsheets again and spend the day here. I'm getting way too obsessed though!

Lucifa73

I guess it is about being able to live and enjoy things while having a bit of self control... that'll be a whole new experience for me then.

Lucifa73

Thanks everyone for your help today. Going to bed feeling a lot more positive about things than I have done in weeks. :beer:

I've put my spend diary in my bag (very bizarrely quite excited by the whole thing and feeling like its the night before Xmas!!!:o )

G'night

tallyhoh

I have recently tried a different method of writing my spending diary: Writing at the top of the page at the start of each month my surplus money (about £400 in your case) then as I buy something deduct it & write how much is left.
When you see it dwindling away it really help you put the brake on spending.

The first month I tried to have £10 left, then £20 & so on.