My Diary v3.0

So, I have just received confirmation of £40 to be paid from Q.co!! YAY! Will update signature once I have received it (spreadsheet already tweaked in anticipation!)

This will wing its way to the Iceland fund, keeping me pretty much on track for my target for the year.

I am still more than gutted that I am still in debt - and I know that I am also very lucky to be in a position where I can a) afford £100 a week in repayments, and b) I have a wonderful OH who has been in a position to help me out!

I know a large majority of this last (and I mean last) amount of debt is down to us both living beyond our means! I am usually pretty good at saying no to things and balancing out the pennies, but that gets sooo draining and boring after a while and I do agree to do something that I know I really can't afford. It seems wrong to completely deprive OH of some fun things. I do try to do them cost effectively though wherever possible. Got to love a voucher or two!

It has been a long journey this debt-busting thing - and I know the next 69 weeks are going to seem like ever! But, these are the last 69 weeks that I will be in debt for! I took what seemed like forever to get to a point where I felt vaguely in control and had a fairly balanced grasp on my money. I would be lost without my spreadsheets, and even now I will bore anyone who dares ask about the usefulness!

OH, bless him and love him loads doesn't really help too much. His favourite phrase is "we need to do a budget and stick to it!" Erm, "hello" I have a budget (of sorts)!!! I do try from time to time to sit down and work through a joint budget, but he has no interest in figures and although he likes the idea of knowing everything is budgeted, cannot stick to one for toffee.

I left him at a supermarket checkout yesterday with a voucher for £5 free fruit / veg. When we got home, I asked if the voucher had gone through ok and the reply I got was a sheepish grin. He couldn't find it when he went to pay. Honestly in 5ft he had lost it. Stood in the kitchen he put his hands in his pockets to make his point.... and pulled out the voucher!! Can you see what I am up against???!! x

I run the house-hold account and, courtesy of my spreadsheet, I know exactly what is due and when. It is all covered by DD's and ticks over nicely. I do (still) need to sort out my V1g1n package as it is costing us a small fortune. I never seem to have the time to do it though! Poor excuse and I really should try better!

I am still plan making - I love a good plan.... the good news is that version 3 or even 4 is usually viable!

I am not going to revisit my SOA - I know where I am going wrong, and I am quite happy that my bills (apart from V1rg1n) are all as good as they can be - and I love a bit of Q.co!!

So, that is me.... ramble over. I am off home to sort out the credit card bill and get that paid (early, just to make sure it is there!) Oh, the life I lead! lol

Q.co money has arrived safely in my bank - despite a message from them saying that they had declined the £40 cashback as they could not be sure that I had followed the link from them to the supplier. Oh well, I have the money!!
Wanted to do a boot fair at the weekend, but the weather forecast was a bit hit n miss and it did drizzle in the morning and then thunderstormed in the afternoon (so they weren't wrong!) This weekend coming was looking better - until an hour ago when a severe weather warning came up for rain and storms. I am never going to clear my house out / make some money for holiday at this rate!
Had best stick some more stuff on ebay instead!!

Weather looked unsettled for Sunday, and it did shower a little, so managed to get the grand total of 4 items on fleabay. Every little helps!