Shelvis spending diary

[Deleted User]

Hi guys,

I am £800 overdrawn in my personal account and I dont want to be any longer. I am spending way to much on a daily basis so I need to cut back. I am taking £50 out of the bank on a friday and I am going to make it last me all week. Any I have left over will go into a pot for weeks when I am struggling! I get £300 a month into my personal account so I have no excuses I just need to cut back but i find it impossible not to shop!!

I am going to write down everything I spend here as I think it might shock me into spending much less.

Friday. Money out - £50
Magazine - £3.20
LEFT - £46.80

Saturday.
Mecca Bingo - £20
Cafe nero - £3.70
LEFT - £23.10

Sunday.
Water and crisps before race for life - £2
Tip in restaurant (hubby treated me as i ran race for life today) - £3
LEFT - £18.10

Tesco_points_addict

Good Luck
You know you can do it!! And writting things down sure does make everything seem more 'real'
TPAx

[Deleted User]

Thanks

Sometimes I swear it melts away out of my purse and I dont know how.

HannaB

:T Well done on getting organised.

However, did you really need that £2.70 coffee and the £3.20 magazine...?

(Sorry to put a dampener on things...)

[Deleted User]

No I didn't i guess that's the point of writing it down. I think I will write it down for a week then review where I can make changes. I can already see some things that will go like you say but there may be other savings I can make.

[Deleted User]

Monday.
Nothing - woo hoo!!!
LEFT - £18.10

[Deleted User]

Tuesday.
Lunch out with my friend and her daughter (weekly thing). Had 10oz rib eye steak, mash and peas (on 2 for a tenner!) and a pint of lager - £7.50
LEFT - £10.60

[Deleted User]

Wednesday.
Set of lights for my fiesta (brake light was out). Should have been £7.50 for the set but dad got them for me on his account and fitted them for me so I dont have to go to expensivegarage - £4.75
LEFT - £5.85

[Deleted User]

Thursday.
Put towards some mega blocks for my son Lex - £3
Bottle of water - 85p
LEFT - £2

Phew I made it through the week (just!!). Start again tomorrow afresh.

firesidemaid

you did well.

but, like you have realised you spent nearly £7.00 on coffee and a magazine. if you have to buy can you get a cheaper/on offer mag or go to a local place for coffee or even macdonalds.

re. bingo - is that for a whole 6 strip set of tickets? if so, could you get less to reduce the cost when you do go?

do you have a goal of something to save for after paying off your overdraft?

good luck with week 2 x

[Deleted User]

Thank you :-)

I dont have a gola of anything to save for I jsut want to clear my overdraft because when I go back to work i am only going back part time so my personal spendo of £300 will be decreasing to £250 or even £200. So if I can live off £50 a week and pay overdraft off with the rest then I *should* be fine.

I think I have a problem with spending because this week has been very difficult. I love to shop and buy things I do not need on a weekly basis.

Need to stop and look at things and think 'do I need that' and the other thing i need to watch is putting things on my card out of other budgets which I have been known to do in the past.

Am going out tonight which is going to make a MASSIVE dent in my £50 so this week is going to be a HUGE challenge!