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  • FIRST POST
    • HoneyBee83
    • By HoneyBee83 22nd Feb 18, 10:18 AM
    • 354Posts
    • 3,554Thanks
    HoneyBee83
    Every Penny and all those Pounds
    • #1
    • 22nd Feb 18, 10:18 AM
    Every Penny and all those Pounds 22nd Feb 18 at 10:18 AM
    Good morning
    I tried to post a new thread last night but I can't see it anywhere..not sure what happened

    I'm not in debt thankfully -well, I have 100 on my credit card but I could pay that off in a second if I needed - I don't want to end up in debt but I can see it happening if I dont change my mind set.

    Basically I'm terrible for not sticking to my budget I really need to train myself in the want or need.
    It goes something like this 'Well, you don't have any debt so what's 10 on the plastic??' and then 'Well, there's only 10 on the plastic so what's 50??'
    I like to pay my credit card off in full each month as I'm terrified of interest and debt but this then eats into our budget the next month and I end up sticking on the plastic again, I'm going around and around but with no-one to blame but myself, I need to stop!
    I really want to save more, as you can see from my signature I'm hoping to buy our first home so I need to retrain my brain.

    So, this diary going to hold me accountable. I'm hoping that by seeing everything written down it'll shock me into changing.
    I'll put a little about us in the next post as this is quite long already...sorry to anybody reading!
    Emergency Savings #73 = 1,500/2,000
    House Savings = 14,000/20,000 + 600 Furniture
    Xmas 2018=60/300 Australia =0.00/6000
Page 1
    • HoneyBee83
    • By HoneyBee83 22nd Feb 18, 10:26 AM
    • 354 Posts
    • 3,554 Thanks
    HoneyBee83
    • #2
    • 22nd Feb 18, 10:26 AM
    • #2
    • 22nd Feb 18, 10:26 AM
    It's myself and DD who is 11 yrs, one cat and one dog.

    I work for a small company so I don't have a large income but they are extremely flexible when it comes to DD which is wonderful! It was especially good when she was in primary school. I think more companies should support working parents, you hear some awful stories.

    About a year ago my landlord decided he wanted to sell the house and there wasn't anything for let within my budget so my parents very kindly said to move home and take my time. We have a bedroom each and our own little living room which is lovely!
    It gave me the chance to save for a house deposit but it also gave me more 'free' money I haven't saved anywhere near what I could of and I'm quite ashamed!
    More to the point, I have picked up bad spending habits which I really need to sort out before we get our own place again...So here I am!
    Emergency Savings #73 = 1,500/2,000
    House Savings = 14,000/20,000 + 600 Furniture
    Xmas 2018=60/300 Australia =0.00/6000
    • beanielou
    • By beanielou 22nd Feb 18, 4:28 PM
    • 53,926 Posts
    • 213,581 Thanks
    beanielou
    • #3
    • 22nd Feb 18, 4:28 PM
    • #3
    • 22nd Feb 18, 4:28 PM
    Happy shiny new diary
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger.
    • HoneyBee83
    • By HoneyBee83 23rd Feb 18, 9:34 AM
    • 354 Posts
    • 3,554 Thanks
    HoneyBee83
    • #4
    • 23rd Feb 18, 9:34 AM
    • #4
    • 23rd Feb 18, 9:34 AM
    Thanks Beanielou

    One week until payday and I can allocate our new budget cash.
    I have decided to allow an extra 50 for March to see if I can avoid putting on the plastic.
    So, we will have an entertainment budget and an extra's budget.
    Entertainment will be to cover any lunches/coffee out/wine Extra's will be for toiletries/make up etc I do not think I will spend the 50 but it'll give me a buffer and I will have a better understanding of how much to budget for there.

    Aiming for 15 NSD in March too...I am rubbish at keeping those up.
    Emergency Savings #73 = 1,500/2,000
    House Savings = 14,000/20,000 + 600 Furniture
    Xmas 2018=60/300 Australia =0.00/6000
    • Mumoffourkids
    • By Mumoffourkids 23rd Feb 18, 12:57 PM
    • 615 Posts
    • 2,959 Thanks
    Mumoffourkids
    • #5
    • 23rd Feb 18, 12:57 PM
    • #5
    • 23rd Feb 18, 12:57 PM
    Hi HoneyBee, I'm a bit similar in that I am on my own but I have six kids. I also rent and really want to be able to buy my own house. My landlord isn't likely to sell but you never know what is going to happen in the future. I also work for a small company who are very flexible about my kids. My youngest I would take into work with me one or two days a week from when she was 3 weeks old up until she was a year old! I will follow your journey as I am planning on saving for a house deposit once I am debt free which should be November this year!

    Good luck with your saving!
    Total debt Dec 2017 23090.83
    Ma7 2018 4621.78 79.98% paid
    Emergency fund 100/600
    Total Savings 1258.62
    • HoneyBee83
    • By HoneyBee83 24th Feb 18, 3:30 PM
    • 354 Posts
    • 3,554 Thanks
    HoneyBee83
    • #6
    • 24th Feb 18, 3:30 PM
    • #6
    • 24th Feb 18, 3:30 PM
    Hello mumoffourkids

    Our situations are very similar, I'm sure I have read your diary too. To buy our own home is the dream! Wasting this money every month is taking that further away, time to kick myself up the backside We can both do this! Will be following your journey and cheering on your debt free date

    What a lovely day! Slightly chilly out but the sun is most welcome. Had a beautiful dog walk this morning, she is now snoring away in the sun. Went for lunch with my parents as DD is with her dad this weekend, they paid which was nice, I do love spending quality time with them.
    Trying for a free weekend so I'm concentrating on house cleaning this afternoon, need to keep myself busy and out of the town lol

    Is it terrible that I'm wishing this coming week away so I can start March and put my plans into action?
    Have wonderful weekends all!
    Emergency Savings #73 = 1,500/2,000
    House Savings = 14,000/20,000 + 600 Furniture
    Xmas 2018=60/300 Australia =0.00/6000
    • HoneyBee83
    • By HoneyBee83 27th Feb 18, 12:56 PM
    • 354 Posts
    • 3,554 Thanks
    HoneyBee83
    • #7
    • 27th Feb 18, 12:56 PM
    • #7
    • 27th Feb 18, 12:56 PM
    Good afternoon Diary,

    The snow keeps trying to fall here, we're getting light snow showers. Apparently we can expect it here Weds-Fri tho Best panic buy

    3 days until payday
    I was hoping to have finished this week on NSDs but I am low on dog meat and that budget starts on friday... usually I would pop this on the credit card and buy other bits and pieces to make it 'worth while'...instead I took 2 from my change jar, well done me!
    Every little helps.
    Emergency Savings #73 = 1,500/2,000
    House Savings = 14,000/20,000 + 600 Furniture
    Xmas 2018=60/300 Australia =0.00/6000
    • Mumoffourkids
    • By Mumoffourkids 27th Feb 18, 8:19 PM
    • 615 Posts
    • 2,959 Thanks
    Mumoffourkids
    • #8
    • 27th Feb 18, 8:19 PM
    • #8
    • 27th Feb 18, 8:19 PM
    We've had light snow showers, blizzards and sunshine here!

    Well done on just spending 2 and taking it out of your change jar. It's nearly march now, so another month closer to buying a house!
    Total debt Dec 2017 23090.83
    Ma7 2018 4621.78 79.98% paid
    Emergency fund 100/600
    Total Savings 1258.62
    • HoneyBee83
    • By HoneyBee83 28th Feb 18, 9:01 AM
    • 354 Posts
    • 3,554 Thanks
    HoneyBee83
    • #9
    • 28th Feb 18, 9:01 AM
    • #9
    • 28th Feb 18, 9:01 AM
    mumoffourkids - We've had more snow this way, its starting to stick too but not enough to close the schools, DD was most miffed lol
    I keep looking at my saving plan for March and it is really spurring me on to stick to it. If I can avoid putting on my card this month I will be very happy!

    I kept my receipts through Feb and noted my weekly spends.
    1.80 each Tuesday for my magazine
    2.00 on cat and dog treats (1 packet each)
    6.00 on a bottle of wine on a Friday
    So...9.80 a week... 39.20 a month

    I can afford this but as I said I end up putting extra in the basket and use the card.

    Plan for March:
    I have allocated 4 coin bags - 1 per week.
    I have put 2.80 in each for magazine and 1 bag of treats (used 20p's from my change jar )
    I will take 20 from entertainment budget on Friday and put 5 in each. I have decided to make the effort to get my wine from Aldi, they have nice ones at 3.50/4.00 and then an extra 1 will be for the other treats.
    I'm hoping that by doing this I won't buy extra bits/break notes etc

    Also ashamed of the 3.00 on lunches I don't do this every day but it soon adds up. So, will make a huge effort to bring lunch from home and keep a tally on how much I have saved doing this.

    I have my first two plans in place ready for Friday, wish me luck!
    Last edited by HoneyBee83; 28-02-2018 at 9:02 AM. Reason: spelling
    Emergency Savings #73 = 1,500/2,000
    House Savings = 14,000/20,000 + 600 Furniture
    Xmas 2018=60/300 Australia =0.00/6000
    • Mumoffourkids
    • By Mumoffourkids 28th Feb 18, 9:30 AM
    • 615 Posts
    • 2,959 Thanks
    Mumoffourkids
    That sounds like a good plan with the treats. I have a 70 general budget for treats for me and the kids per week. So I can buy myself a magazine or something and not feel guilty about it. I think you have to treat yourself occasionally otherwise you will just go mad. But only if you have the available money in the budget for it. I don't tend to spend my 70 every week so I save whatever is left and I was paying off the debts when I had debts that had interest on them.

    Good luck with your treat budget and with taking lunch in from home. I am sure you will be fine!
    Total debt Dec 2017 23090.83
    Ma7 2018 4621.78 79.98% paid
    Emergency fund 100/600
    Total Savings 1258.62
    • HoneyBee83
    • By HoneyBee83 28th Feb 18, 4:32 PM
    • 354 Posts
    • 3,554 Thanks
    HoneyBee83
    Well, I'm finally home...what a pickle of a day at work, why can't it be Friday??

    DD is with her dad for tea so just fixing something quick from the freezer.
    Made lasagne last night and there is a portion left for lunch at work tomorrow. I found 5 boxes of soup in my cupboard at work...5!! So I will definitely be having soup and a homemade sandwich for a while, Ooops! I just hope I don't get bored with it and 'pop' to Morrisons.

    Today was a NSD I am planning on another tomorrow, possibly Friday too if we are having snow.
    Emergency Savings #73 = 1,500/2,000
    House Savings = 14,000/20,000 + 600 Furniture
    Xmas 2018=60/300 Australia =0.00/6000
    • HoneyBee83
    • By HoneyBee83 1st Mar 18, 9:40 AM
    • 354 Posts
    • 3,554 Thanks
    HoneyBee83
    Good morning and Hello March

    Finally I'm at my new starting point.
    School is closed due to the weather so DD is very happy! I still had to come to work as it is only a short walk, typical lol
    So, yesterday was a NSD and I am aiming for the same today - should fine, I have no money to spend
    Tomorrow is payday so after work I will triple check my spreadsheet..well my bit of paper with scribbles on. I wouldn't call it a tight month but I will just need to use the 'Do I need it or want it?' This usually gets the 'You have no debt so go on, treat yourself!' answer Must be strong and remind myself why I am doing this in the first place.
    Emergency Savings #73 = 1,500/2,000
    House Savings = 14,000/20,000 + 600 Furniture
    Xmas 2018=60/300 Australia =0.00/6000
    • HoneyBee83
    • By HoneyBee83 2nd Mar 18, 9:18 AM
    • 354 Posts
    • 3,554 Thanks
    HoneyBee83
    Good Morning Diary!

    PayDay finally!
    Paid my credit card off this morning, 111.32 So that is clear again
    Paid money to DD school account - not that she'll be in until Monday and that is the earliest.
    Will organise monies into their 'envelopes' later and transfer some into my savings pot.
    Took out 20 for the pet food fund and brought cat meat as that was needed.

    Snow is at least a foot deep here but I made it to work on foot! Beat the bosses here too and had to dig us in lol Employee of the year to me
    Think that is all for now. Feeling positive for March!
    Keep that card in your purse HoneyBee
    Emergency Savings #73 = 1,500/2,000
    House Savings = 14,000/20,000 + 600 Furniture
    Xmas 2018=60/300 Australia =0.00/6000
    • beanielou
    • By beanielou 2nd Mar 18, 11:11 AM
    • 53,926 Posts
    • 213,581 Thanks
    beanielou
    All sounding good
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger.
    • HoneyBee83
    • By HoneyBee83 5th Mar 18, 9:00 AM
    • 354 Posts
    • 3,554 Thanks
    HoneyBee83
    Hello Diary and Hello Monday!

    So payday has been and I was very good over the weekend sticking to my budget
    I wanted today as a NSD but I need some lunchbox bits for DD. I didn't have my bottle of wine over the weekend as I couldn't be bothered to walk all that way in the snow lol That 4 will more than cover what I need, I have that in my purse and left my card at home so I'm not tempted to buy more. I also need a birthday card for Nan but that'll be covered too, I have a birthday fund so will take money from there for flowers on her actual birthday.
    I have left our entertainment money in the 2nd account so it isn't burning a hole in my pocket, I'm wondering if that'll help, perhaps 'seeing' my money go down will stop me spending so easily.

    DD is back at school, we can get back to normal now.
    On with the savings!
    Emergency Savings #73 = 1,500/2,000
    House Savings = 14,000/20,000 + 600 Furniture
    Xmas 2018=60/300 Australia =0.00/6000
    • HoneyBee83
    • By HoneyBee83 8th Mar 18, 1:40 PM
    • 354 Posts
    • 3,554 Thanks
    HoneyBee83
    What a beautiful day! Hope the sun stays shining all weekend

    Well, a week after payday and all funds have been put in their new homes...I'm still within budget too.
    I haven't yet updated my signature but will soon, I do like seeing my saving growing

    It's Mother's day this Sunday and I have money set aside for flowers, card already brought. DD and I are off for lunch but I have already set cash aside, It's at our favourite place so I pretty much know the prices, no shocks at the bill lol My mum is recovering from a small operation so we will celebrate when she is up for leaving the house.

    I'm counting down the days 'till April payday I just really want my funds to keep growing and I'm getting so close to my final totals! The parents are urging me not to rush into moving and I won't be, as much as I am looking forward to having our own place again it would be lovely to have more than I am looking to save - the bigger the emergency fund the more relaxed I will be. Plus, if we are buying we need the house to be perfect!
    They are pushing the whole 'Take advantage of it now as you won't get the chance again' I definately am! Certainly need to treat them to a few more meals out etc as a Thank you!
    I have been setting aside money for furniture/decorating but luckily my grandparents are insisting on buying us the white goods - defo will need a washing machine and I imagine a fridge/freezer, I don't want to rely on them for this but to have one of these as a gift would be extremely appreciated!

    Right, on with my afternoon
    Emergency Savings #73 = 1,500/2,000
    House Savings = 14,000/20,000 + 600 Furniture
    Xmas 2018=60/300 Australia =0.00/6000
    • Mumoffourkids
    • By Mumoffourkids 9th Mar 18, 6:31 AM
    • 615 Posts
    • 2,959 Thanks
    Mumoffourkids
    I like seeing my savings grow as well! Then I don't like spending the money as that would mean my savings go down. Today my savings will probably go down but that's because I will pay my car insurance in full! This is the first time in a long while that I have been able to do that.

    I also need to update my signature, that will be done today.

    And how lovely of your parents to say make the most of it while you can. That's good that they are not pushing you out sooner than you need to and you have time to find the perfect house.

    And yayy to grandparents buying something you need as a gift. Grandparents are lovely like that.
    Total debt Dec 2017 23090.83
    Ma7 2018 4621.78 79.98% paid
    Emergency fund 100/600
    Total Savings 1258.62
    • HoneyBee83
    • By HoneyBee83 15th Mar 18, 10:06 AM
    • 354 Posts
    • 3,554 Thanks
    HoneyBee83
    Hello Hello Thursday!
    It has been manic this end and I have neglected my diary

    Mumoffourkids - I know! My parents and Grandparents are wonderful, We are very lucky
    Must pop over and catch up on your diary.

    Well, 18 days till payday and I must be honest my funds are looking weak...infact they are shattered Its been a month where unexpected expenses have occured. Mainly clothing/shoes for school and work...I also went for lunch with a friend and handed over the plastic
    I just can't get out of the 'You have no debt, you can pay it off next month' That little voice needs to find new digs!

    My budget for next month has been derailed slightly but I can still squirrel away a nice sum and clear the credit card- again!
    Looks like I'm back to square 1 in April
    Emergency Savings #73 = 1,500/2,000
    House Savings = 14,000/20,000 + 600 Furniture
    Xmas 2018=60/300 Australia =0.00/6000
    • HoneyBee83
    • By HoneyBee83 1st May 18, 9:35 AM
    • 354 Posts
    • 3,554 Thanks
    HoneyBee83
    April was a complete flop!
    Morning Diary!

    Hello May First day and its lovely outside, shame I'm stuck in the office!
    Well....here I am, I'm back. My poor negleted diary
    As my title tells April was a flop!

    Positives - I did save money into both accounts and I am still debt free!
    Negatives - I didn't save as much as I could of
    I spent far too much...wasted far too much I should say!

    So I let April slide and decided May will give the kick up the bum I need as I am planning on being in the new house by Sept latest.
    Once I am responsible for all bills again I know I will regin my spending in so I need to get into that frame of mind now!

    My plan...I know the bills and amounts I will be covering so I am picking a date for each (Council tax/Water etc) and transferring that said amount on that day. This way it isn't lurking in my account asking to be spent!! Hopefully if I have my monthly budget and ONLY that money available I will think twice before handing over the paper or plastic I can but try!
    Looking over my bank statements I am shocked at what it gets wasted on
    I have told DD that we need to behave this month so I can get a handle on the spends, she is totally onboard, especially with the thoughts of holidaying in Australia 2019/20!
    I will post at least twice a week and really hold myself accountable...It'll happen this time, I am promising myself!
    Emergency Savings #73 = 1,500/2,000
    House Savings = 14,000/20,000 + 600 Furniture
    Xmas 2018=60/300 Australia =0.00/6000
    • JoJoC
    • By JoJoC 1st May 18, 10:09 AM
    • 1,776 Posts
    • 6,497 Thanks
    JoJoC
    Hi there, just caught up on your diary. Nice to see you back with a vengeance!

    Good luck for the month ahead
    CC1: 4481.14/ 5031.14 (12% paid off, 600) | CC2:3307/ 3807 (14.4% paid off, 550) | Loan: 10,528.20/ 15,792.30((33% paid off, 5,264))

    July debt total: 24,630.44 | New debt total: 18,316.34 | Total debt paid: 6,414.10 (26%)
    *My debt busting and savings diary*
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