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    • Jazee
    • By Jazee 10th Aug 12, 5:14 PM
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    Jazee
    Jazee's Diary
    • #1
    • 10th Aug 12, 5:14 PM
    Jazee's Diary 10th Aug 12 at 5:14 PM
    Hello to anyone who decides to read my diary.

    I'm starting this diary as I want to collect my thoughts in one place. I have unsuccessfully put posts on some other threads, and some have disappeared, so I assume that I've broken some rule or other and think that here I can't break my own rules.

    I have been in debt since 1997, so that's 15 years and the usual nothing to show for it. I have been a long term lurker on MSE but have only started posting, mainly on the flylady thread, quite recently.

    Thanks to this site, my debts are manageable and my days of pawning items and pay day loans are long over. My debt free date is March 2015.

    I have tried and failed at some of the challenges: 1 a day pot, really successful for two years, but now I'm not really keeping any cash in the house and am trying for as many NSDs as possible, it doesn't really work.

    Which brings me to NSDs. Spectacular failure most days. Must try harder.

    Off to do tea now, will carry on another time and work out a plan of action to bring forward that date.
    Last edited by Jazee; 13-07-2013 at 10:14 AM.
    Spend less now, work less later.
Page 36
    • Jazee
    • By Jazee 17th Jul 18, 12:25 PM
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    Jazee
    Hello diary.


    Amazingly, yesterday was a NSD. I can't say the same for today as I have started my Christmas shopping even though it is 22 degrees outside still.


    I have bought gifts that are a quarter of their normal price so very pleased with that. Have also purchased a few other bits and pieces for the house.


    Tonight is a night out, but will be minimal spends for a raffle ticket.
    Spend less now, work less later.
    • Honey Bear
    • By Honey Bear 18th Jul 18, 8:09 AM
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    Honey Bear
    I found some affordable lovely things last week that will make great Christmas presents for people that I find difficult so you're not the only one who's started on Christmas!
    Keeping it AF
    • Jazee
    • By Jazee 19th Jul 18, 11:38 AM
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    Jazee
    Glad I'm not the only one thinking of Christmas already HB!


    In true MSE style, I have used the code to order yogurt mix from H&B, saved myself a few pounds. But I've a funny feeling that H&B are discontinuing the range, which is a bit annoying seeing as I've bought the equipment to make this particular yogurt.


    Also went on line to see about paying the TV license other than quarterly but to be honest will keep it as it is as I can't be bothered with the faff on line just to save 5 per year.


    Was wondering what to do with a large amount of cash just sitting in the current account having opened an ISA for the rest. And the answer is open another one in DHs name. Need to get him involved though which will take some effort because as long as he has enough money for wine, he's not bothered about anything else financial.
    Spend less now, work less later.
    • Jazee
    • By Jazee 24th Jul 18, 8:44 AM
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    Jazee
    It would appear that apart from wine and work, DH is not really interested in anything at all. I had a great day with DS yesterday, today's day with DH has been cancelled, partially because I've a headache and overdid it yesterday, but mainly because DH doesn't want to go anywhere. Feeling a little peeved though as he's just gone out for breakfast and didn't even ask if I'd like to go.


    Rant over.
    Spend less now, work less later.
    • Jazee
    • By Jazee 24th Jul 18, 11:33 AM
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    Jazee
    Continuation of rant as I'm sitting in the garden and can't scream out loud. DH has been back a little while. Now absolutely stinks of red wine already and moaning that he's hot. It's not so warm today and I like summer.

    Headache is gone but I am veering between anger, the foulest mood ever and just wanting to bloody cry. Which is not like me at all. Hopefully the mood will lift later.

    At least for me today will be a NSD.
    Spend less now, work less later.
    • Jazee
    • By Jazee 24th Jul 18, 3:14 PM
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    Jazee
    Mood has lifted. DH is just DH and I've had an hours sleep.
    Spend less now, work less later.
    • Honey Bear
    • By Honey Bear 26th Jul 18, 8:27 AM
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    Honey Bear
    At least you could vent safely on here and not have a row, which wouldn't have helped at all. (((Hugs)))
    Keeping it AF
    • Jazee
    • By Jazee 28th Jul 18, 8:03 AM
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    Jazee
    Morning diary and HB! You're so right about being able to rant on here, especially as I knew I just woke up in a bad mood. I've had a headache on and off for a few days now. I know it's just because of the humidity, lack of sleep etc so I need to behave myself and be kind to DH who is manic busy at the paid stuff.


    I got paid yesterday including pay for an extra shift I did, so I am pleased to report that I can pay for 2 nights in a hotel in September without touching savings. This will be our only break this year.


    This morning I have 'invested' more of my payoff. I have purchased some premium bonds. I decided I could take the risk of no interest on a small chunk of the money as there is the chance (albeit tiny) of a big win each month.


    Today, I'm not expecting to spend anything else. Its raining at the moment, but I am planning dog walking and gardening.
    Spend less now, work less later.
    • Honey Bear
    • By Honey Bear 29th Jul 18, 8:08 AM
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    Honey Bear
    I get fractious when I don't get enough sleep, so I think it's quite a common thing to find oneself slightly jangly with the kind of weather we've had for the past 10 weeks. I'm pretty ragged myself.
    Keeping it AF
    • Jazee
    • By Jazee 29th Jul 18, 9:14 AM
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    Jazee
    I had a better night last night now it's so much cooler. Autumn here today.

    14 hours on my own today so hopefully will get something done and no spending .
    Spend less now, work less later.
    • juliejim
    • By juliejim 29th Jul 18, 4:57 PM
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    juliejim
    Well done on starting your Christmas shopping Jazee. Hope you managed to get some stuff done today.

    Jue
    NST #10 Steps 7K 2/30 10K 2/12 5 a day 3/30 NSD 0/20
    MBNA 5500
    • Jazee
    • By Jazee 7th Aug 18, 9:59 AM
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    Jazee
    More than a week since I posted. We've both been paid, finances are looking ok and I've booked the hotel for September.

    My mood though is not lifted fully. A combination of lack of sleep, possible menopausal stuff and constant worry about DH and his drinking.

    Dentist later, already paid for.
    Spend less now, work less later.
    • Jazee
    • By Jazee 11th Aug 18, 7:42 AM
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    Jazee
    Morning diary. Time off the paid stuff for me now for nearly 3 weeks. Nothing planned except one trip to the cinema so I plan to get the garden looking really good again and may be enter it in a competition.


    MSE wise, unbudgetted spends have been some of the dentist costs, need to go again this week, and a new table and chairs, but I'm hoping to juggle things around to avoid using savings.


    In true MSE style, I am making flannels from unused towels rather than buying new ones.


    Today I will make gooseberry fool for pud for family coming to tea tonight, walk the dogs and do gardening.


    I hope anyone reading has a great day.
    Spend less now, work less later.
    • Honey Bear
    • By Honey Bear 12th Aug 18, 7:57 AM
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    Honey Bear
    Thank you Jazee, I will try! Enjoy your holiday.
    Keeping it AF
    • Jazee
    • By Jazee 23rd Aug 18, 9:01 AM
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    Jazee
    Morning diary. It's a good job I didn't have any specific plans for the holiday as everyone else keeps finding me things to do, some good, some just errands.


    So a quick round up - have gone over budget because of dental work, new table and chairs, and will possibly go further over as one of the dogs isn't quite right, so may need a vet visit. Have had a good time including going to the cinema with DD. DS has postponed his wedding.
    Also may find some relief now from the pain which has been bugging all my joints as I've finally gone to the doc and hospital.
    Spend less now, work less later.
    • Honey Bear
    • By Honey Bear 24th Aug 18, 9:12 AM
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    Honey Bear
    *Pain-banishing vibes*
    Keeping it AF
    • Jazee
    • By Jazee 24th Aug 18, 11:10 AM
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    Jazee
    Thanks HB. I've a couple of conditions including arthritis. Am hoping that dosage is now almost right as I got 5 hours pain free sleep last night.


    I've been shopping this morning and filled the tank with petrol. Just having a break and was planning to walk the dogs then cut the grass, but it is now pouring with rain. I will however get in the greenhouse and have a tidy in there.
    Spend less now, work less later.
    • Jazee
    • By Jazee 8th Oct 18, 7:51 AM
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    Jazee
    Wow, I didn't post at all in September. Was back at work and busy busy.


    I don't have arthritis after all, but I still have pain so need to speak to the specialist to see if it's a reaction to other drugs. Any how, had a wisdom tooth out in September which is only just settling down after 3 weeks. I have lost 5lbs though, so every cloud.


    MSE wise - money is just pouring out of the accounts at the moment - dentist, opticians, car tyres, car insurance, the list goes on. So in trying to pull the purse strings in a bit, DSs birthday will not be a meal out, we're going to throw a little party for him here.
    Spend less now, work less later.
    • Honey Bear
    • By Honey Bear 10th Oct 18, 6:10 PM
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    Honey Bear
    The money-pouring-out things seems to happen fairly regularly here, too, with planned expenditure often being outstripped by the unplanned but vital spends that can't be avoided. Just as well there's a pot of savings to dip into, because the one thing I know about doing accounts, for businesses or myself, is that income is always slightly less than I'd thought, and expenditure is always more than expected.



    It's The Law, apparently.
    Keeping it AF
    • Jazee
    • By Jazee 14th Nov 18, 11:06 AM
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    Jazee
    Morning diary and morning HB if you're reading. Yet another month has passed and it still seems to be the law that there is more expenditure than income at the moment.


    I have been a little more relaxed about using savings, the bulk of my Xmas present shopping is now done, and I've actually put the rest of our savings into decent accounts. Oh and in only it's second draw, I won 25 on the premium bonds.


    Plans now are to finish the Xmas present shopping. We have saved all our coop rewards this year, so food is covered. And go into the New Year with a fresh plan to stay in budget.
    Spend less now, work less later.
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