-£99,152 net worth - scary figure

mfmaybe this is so true. And in fact kidding myself we could pay it off in large chunks was part of what got me here in the first place - as I would have a month where a client would pay £8k in full and I would just pay off the credit card in one go. Then I got to the point where stress and anxiety wouldn't allow me to do this anymore, and I find myself here. So absolutely yes I need to keep focused on this, and for people to point things out to me when I start slipping.

We are definitely moving to a rented property half the price in August when our 2 year fixed agreement ends which will save £1400 per month, and I've cut quite a few bills so far and will continue to work on the rest. Our miscellaneous/entertainment budget has been cut from £200 per week (and we used to exceed it!) to £100 per week and now is at £40 per week so far for example, I don't want to cut it down much further at the moment. Unbelievably, both kids were in private school until very recently when we withdrew them both (well actually DS got kicked out). I look at the budget and our lifestyle and think how stupid we've been. We "ought" to be so much better off than we are.

I've been reading a lot too, the Millionaire Next Door is fascinating as it talks about the fact that most millionaires don't "spend spend spend" - they actually got there from being thrifty. I feel like I'm having a lot of revelations at the moment, just want to ensure I keep on working on the debt at this level.

Just tried on one of my size 10 suits and discovered it doesn't fit, then measured myself and realised I had put 2 inches across my waist and now a size 12!
These past few weeks of budget eating have resulted in me putting weight on - aargh! We also stopped our gym membership too so haven't been doing hardly any exercise.

Aargh! Anyone else experienced this? I've found that to cut our grocery bill down so drastically I've been replacing salads with sandwiches, meat and veg with pasta etc - it's all carbs!

Set up YNAB yesterday finally thanks to the YT videos for Nick True that made it sooooo easy to understand.

Shows a negative net worth of £46606 as it doesn’t include the loans.

Working on paying off the larger card first which was £22,0000 and is now at £17,906 but it feels like it will take forever. I can see why people pay off smaller cards first - it was very satisfying paying off the next bill for £450 then ringing up to cancel it.

Been reading other debt free diaries which is really helping - especially the payment a day. Will look into that further.

Currently on a business trip - even using money saving here as I had free lounge passes to use at the airport to save paying for tea/coffee/wine(!).

Ynab will now my main source of updating the balances here.

So currently we are at

Cc1 £17906 (was £22,000)
Cc2 £12,808
Cc3 £6,664
Cc4 £6,322
Cc5 £4,875

Ef currently stands at £1000.13 and I want to get it to 3 months income - £10,500
Other savings for when we move in August stands at £200 out of the £3000 needed

Not sure whether to include the loans here too or focus on them last as they get paid off in a weird way (extra payments just reduces the monthly payment not the term)

Off out for a meal this evening using Tesco Clubcard vouchers - looking forward to that

Ooh forgot to say another NSD yesterday except for a £1.50 bottle of water at the airport once through security

Had a money saving birthday party for DD today - normally it would cost us £200 to £250 at least, but we instead opted for a sleepover party which has cost us £18 on food and that’s it, all the kids loved it so it worked out amazingly well.

Still getting to grips with YNAB but finding the fact OH has cash all the time a real issue as I can’t track it. Finding my spreadsheets easier to keep an eye on still at the mo