Starting again

better_times · 10 October 2017 at 10:00AM

I did start a dairy didn't keep it up for long and then dropped off the radar completely, I watched the film the circle on Netflix and it got me thinking if I made myself transparent money wise and I mean account for every penny coming in and out I would be less likely to slip up again. So here I am once again with a reminder on my phone for daily updates.

Where I stand at the moment:
Loan £30807.78
Step change £12908.56 (need to get off my !!! and sort this)
Rent £565.95
My house needs a good de clutter and clean through
I need to focus on using up my food.

better_times · 10 October 2017 at 10:13AM

10/10/17
In the bank £216.71
In my purse £1.53
Total £218.24
Nothing to come out today and I'm helping at my local take away so no food will be used up tonight either as I get a free meal.
Tonight's plan once I've finished both jobs today:

Put a wash load on
Put washing away
Wash up pots from this morning and dry them and put away
Make an inventory of all the food in the tin and packet cupboard
Take home made meal out for Wednesdays dinner as DD is out for a meal and I'm not at the take away shop

Small steps at a time and I will get there, I bought a new E-cig last night to quit smoking again as I have fallen back into that habit rather badly and I need the money to clear my debts.

Kittychick · 10 October 2017 at 10:40AM

Good luck, I'm coming to realise a big part of success with this journey is stamina.. We just all need to stick to it x

JoJoC · 10 October 2017 at 10:48AM

Glad to see you're motivated

Do you have a plan? Have you done an SOA?

All the best!

better_times · 10 October 2017 at 11:29AM

Hi both thanks for stopping by

JoJoC wrote: »

Glad to see you're motivated Do you have a plan? Have you done an SOA?

All the best!

I am using calendar budget and according to that I have enough coming in to cover bills etc I should be able to clear my debts at around £800 a month if I stop buying stupid bits of food and cigarettes. These are my to areas I need to work on very hard.

I have sat during my break and done an excel spread sheet so I can fill in daily what I spent and it will automatically go to the category so I can easily keep track. I hope this will show me that I am living stupidly and start to rein things in.

I bought 2 eco eggs at the weekend for £7 so that should do 420 washes and I am going to bulk buy my conditioner and start using the right amount as I have just been filling the draw and it's a waste. I have now put shampoo, condition and shower gel in pump bottles as DD just squirts loads out and yet another way we waste things.

I think it's the little things that will help save the pennies in the long run. I'm just waffling away to myself now so I'll get off and back to work

better_times · 10 October 2017 at 9:46PM

In the bank £216.71
In my purse £49.23.been paid for working tonight plus found a bit of change in the house
Total £265.94

Tonight's plan once I've finished both jobs today:
[STRIKE]Put a wash load on[/STRIKE]
[STRIKE]Put washing away[/STRIKE]
[STRIKE]Wash up pots from this morning and dry them and put away[/STRIKE]
Make an inventory of all the food in the tin and packet cupboard will do this tomorrow too tired tonight
[STRIKE]Take home made meal out for Wednesdays dinner as DD is out for a meal and I'm not at the take away shop[/STRIKE] HM Roast beef dinner taken out

I did have a small spend in the end:

£1.99 on heartburn tablets
£1 on a card for the co-op so I can collect points

I will need petrol tomorrow but that's all, also I have sorted out all my E-Cig liquid and I have enough for a few months so no more buying them until I get really low.

Tea&Kittens · 10 October 2017 at 10:18PM

Good luck on your journey! I've found checking in here a great way to hold myself accountable for my spends!
Sounds like a good start

better_times · 11 October 2017 at 12:02PM

11/10/17

In the bank £138.15
In my purse £49.23.
Total £187.38

Tesco car insurance paid £40.56
EE £38.00 needs to be taken off my loan as this is paid for the person I owe money to.

Today I work one job and I have the night off, DD is going out for a meal with her BF so me and Bear (my border collie) will be home alone so I think I will make some cakes some to freeze, and one for puddings during the week. I love baking and cooking it relaxes me so lots of my diary will be cooking related.

Tonight's plan

Do the inventory from the tin and packet cupboard
Bake three cakes
Give the living room a good clean and scrub the rug
Put a wash load on
Sort out DD's clothes and either sell or charity the one that don't fit

I need to get petrol today as I'm running low so I will put £20 after work that will last me the rest of the week. I think I'm going to sit on the sofa tonight with bear and watch the next Victoria on ITV iplayer, I have found since not having a TV licence I'm not constantly having the TV on and obsessed with the soaps now I either watch Netflix or a few things I like on ITV iplayer. It's also nice to have peace and quiet in the house I really became a TV slave

Debt paid so far £38.00/£800

better_times · 11 October 2017 at 12:52PM

In the bank £138.15
In my purse £26.23.
Total £164.38

Ok I promised this would be total transparency of my money, so I have to admit I just spent £3 on lunch at Morrison's as I forgot my lunch it's currently sat in my fridge at home, so annoyed with myself but it is what it is. I put £20 petrol in so that's all I should need to spend for the rest of the week. My E-cig is ok I am craving cigarettes a bit but I know from the past that will ease off. So that should be it for my money today just me to do list to do, looking forward to watching Victoria later with a hot chocolate and a slice of cake, plus cuddles from the bear.

better_times · 11 October 2017 at 5:37PM

In the bank £138.15
In my purse £26.23.
Total £164.38

Tonight's plan
[STRIKE]Do the inventory from the tin and packet cupboard[/STRIKE] Done and I have decided I really need to use stuff up
[STRIKE]Bake three cakes[/STRIKE] Made three weetabix cakes all in the oven now
[STRIKE]Give the living room a good clean and scrub the rug[/STRIKE] All lovely and tidy candles on and feet up
[STRIKE]Put a wash load on[/STRIKE] On the clothes horse drying n DD's room
Sort out DD's clothes and either sell or charity the one that don't fit Not fully done but half way there need DD to tell me if the last lot fit or not

better_times · 12 October 2017 at 9:00AM

12/10/17

In the bank £138.15
In my purse £26.23.
Total £164.38

Working at the take away tonight so the purse amount will increase after I get paid. The cakes are frozen and I had a slice this morning as I was rushing around like crazy.

Dinner will be given to me tonight by the take away, me and DD usually have meat feast pizza and chips with chip spice. This usually feeds both of us with a bit left over. This weekend I need to get bear his food for the month (might pick this up Friday night after work), I will need very little food as I have so much to use up. I'm going to make loads of pancakes and freeze then for breakfasts and a few puddings.

Tonight's plan

Wash load on
Finish sorting DD's clothes
Clean cupboard under the sink

A small list tonight but once I finish both jobs I will have worked 16 hours :eek: Well I'm off for now

Starting again

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