£304.71 to last the month

Verbatim

You're doing really well. Just this weekend and one more before payday, and you've already got this one planned and sorted. Well done! :beer:

Do you think weekends are the most difficult? All that time with the family at home so temptation to give in to temptation and pressure from family members for a treat?

Seems as if you've got a fair bit of safety margain still at £77 ish left if all your bills are paid and you've got all your meals in.

shopaholictiedtheknot

Thanks everyone, I think I will need to do a bit of shopping before the end of the month but only fresh stuff so shouldn't be too expensive.

Weekends are definitely the worst time! Next Saturday I am having my hair done which takes around 3 hours (cut and colour), OH is paying for it for my birthday pressie and DD is going on hols with her Dad on Friday for 2 weeks so I will have a cheap weekend then too hopefully!!

Billy_two_speakers

shopaholictiedtheknot wrote: »

Well, I have just depressed myself totally and worked out my finances for the month, after paying all my bills/mortgage/loans and credit card payments I have the grand sum of £304.71 left which is for groceries/entertainment/unexpected expenses.

I know this is by no means a desperate situation to be in but I just feel really fed up, I have managed to pay off £150 extra this month on my cahoot loan on top of my other debts and if I can do the same next month I will have cleared that debt - then I need to move onto my credit cards.

I don't know why I am posting this really, maybe for someone to say I will manage and it is not that bad or maybe for any advice on how not to spend any more than I have - I have an overdraft of £300 of my disposal but trying desperately not to use it anymore

Sorry for waffling and thanks to anyone who reads!

I see you have a Cahoot loan..... have you recived an e-mail saying repayment going up to 5% per month and interest rate going up 2%

Verbatim

Well 3 hours at the hairdresser sounds looovely. And you'll be so near the end of the challenge by then and payday in sight. And then you'll be at the point where your loan will paid off. Gotta be good. :T

jo1972

Hiya Shoppy,

Did you get a chance to go over to Weezl's 50p challenge thread on the OS board? I guarantee you you will be in credit at the end of the month if you soak up the vibes over there!

shopaholictiedtheknot

yeah I got the email, all the more reason to get it paid off ASAP, am paying 150 quid this month and the same next so will only incurr 25 quid interest which gets added on in September apparently (had an email telling me that also!)

Jo I have had a read of some of that thread, am going to read the rest this weekend if I get time

shopaholictiedtheknot

Had a lovely day at Eden Camp yesterday, the weather was ok, just one small shower and then lovely sun! Only spent my allocated £20 which was for the entry charge and a drink each woohoo!!

Balance in account £57.64

Days till payday 11:T

Today will be a NSD as staying in watching shipwrecked and then doing a bit of gardening and cooking Sunday lunch

Wannabefree_2

Your doing really well! Wish i could say the same Don`t get paid for another 17 days & am already into O/D by £1.45 & still have bills worth £300 to come out yet! God i thought i was getting on top of it then this happens, any idea`s anybody?

PS Sorry to hijack your thread..

Keeping_Motivated

shopaholictiedtheknot wrote: »

Had a lovely day at Eden Camp yesterday, the weather was ok, just one small shower and then lovely sun! Only spent my allocated £20 which was for the entry charge and a drink each woohoo!!

Balance in account £57.64

Days till payday 11:T

Today will be a NSD as staying in watching shipwrecked and then doing a bit of gardening and cooking Sunday lunch

Made me smile this post, you're doing really well Enjoy your Sunday.

princessdaisy2k

I know that when you work it out on paper it is depressing but you will be fine. I felt like you a couple of weeks back and posted a thread and had so much genuine support. There is probably loads of food in the cupboards and fridge, make a meal planner. If you have any tesco clubcard vouchers, treat yourself to a meal or if you have an orange phone, go to the cinema on 2 4 1 on Wednesdays. If the weather is nice, go for long walks of visit the supermarket at that time of day when the sell quality perishables for a fraction of their normal price. I do this roughly once a week and can provide many days of goodies for very little money and different food from what you would normally eat.