Becoming debt free is HARD WORK
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We're halfway through the month now. Just do your best to break even (depending on how awful the account looks) and then start again in May. I'm having months where I start with good intentions plotting how much I will save and it never works out exactly as planned , just take a deep breath and start again the next month .0
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Thanks Storm, helps to have you reply!!NSD Jan 5/10
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Payday Friday thank goodness. The account looks awful. I can't see how I'll clear all my debt by dece,bee :-(NSD Jan 5/10
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Just waving hello. the key to success for me with motivation is enough of debt paydown, whilst having a life - so setting up a guilty splurge pot in YNAB and budgeting some funds into it might be your answer? Why don't you take it a bit easier in your goal for your DFD and then you can hopefully meet your budget better, which is way more motivating each month than missing by a mile?
What also helped us was having a separate account for all household bills (and future savings / EF etc), and then a separate account for groceries. and we each have a treat budget, so I run 2 YNAB budgets, and the main one I spend out of is groceries, so I save other bits and bobs in the other one. Just helps as I am not looking at other pots that i can steal out of!0 -
Thanks for your reply. I did set up a current account to put grocery and fuel money in but have become a bit unstuck with accessing it- so many passwords and i keep losing the bits of paper! I also tried setting up a credit card to do it with but meant I ended up getting more into debt because I forgot to transfer the money I'd spent to clear the bill. What a pickle! Feel like I'm drowning but I'll pick it up and start aginNSD Jan 5/10
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Hey I know that feeling! Time to pick up your teaspoon to clear your lake (see the sticky thread, 11 years a slave).
keep posting xx0 -
Good analogy!NSD Jan 5/10
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Lovely day today. Went up to London to see the Picasso exhibition at the Tate Modern.. really enjoyed it. Back about 6 and been in the garden ever since. Have re done my YNAB and included a bit more for fun time....NSD Jan 5/10
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Lovely day in the sun today but rain is coming. BOOHOO
Account looks vile but I've sorted out the Barclays account today so we will now have a separate account for groceries and petrol. Aiming to put about 600 in but I'm not sure how to do it as I'd need the funds upfront IYSWIM?NSD Jan 5/10
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Payday yesterday so account better but I've spent £400 more than I did last month. It'll be a quiet month for us I thinkNSD Jan 5/10
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