Time to turn my life around

Spending going well, well on stuff I dont need that it is, so thats a plus. Money is being spent on my decorating. Paint and emulsion we already had. Just need to buy the wallpaper. So I am well happy up to now.

Not sure how this bit works. I have a blog entry called octobers plan, do I continue in that blog with octobers plans or do a new one in the right section everytime ? I dont whant lots of random ones, would like to follow a thread and is there a way to follow certain blogs ? Also if someone has commented in my blog to they get an update, if they wish too

Thank You

Spending section, I can imagine this is going to get full.

Today 2/10/14 planned spends

A sheet of plywood for some boxing in of pipes in the room I am decorating and some hard as nails, not sure if you have that in USA, its glue you use instead of nails ( sorry rambled a bit there)

Some food bits ( I think, ill check before shopping) I wouldnt ususall check, just buy and then find out I had it and it would go to waste. I'll update on the spending at the end of the day ( its 8am 2 oct for me)

Update

Hubby recycled some hardboard, so dont have to buy plywood....result

My plan is to put £200 in a seperate purse, this is for food and petrol. I will see how it goes and will revaluate for November. I will try my very best to make it last and have some left over. I have got a very very loose food plan for the next 7 days. I need a shopping list. I have looked on a lot of budget recipie sites and got some lovely ideas but as I have said, im ace with ideas. Its carrying them out that is the problem.

plans......to get out of debt and some savings

Not realy given this much thought but off the top of my head, by the end of 2015 I would like to be out of debt and have a decent amount of savings. This is a hard one for me as I am fabulous at making plans and starting things but never carry them through to fruitition. I have lots of projects started got half way and bored. Think I said in my first blog, I am a terible procrastinator.

To get me started, I will go with an October plan

I will sort all my priority debts, if I cant clear them I will make arragements to clear them.

Open all mail and not read and shred non priority debt. I will contact them and see how the situation stands and deal with it.

Achievements for today.

Rang my housing group and made arrangements to pay extra on my rent to clear my arrears, this will not be a problem, as long as I dont waste any money on stuped stuff. At least we still have a roof over our heads.

Cleared spare room, have 4 bags for the charity shop and its ready to strip off the wall paper tomorrow.

This is an area I know I can cut back on, we waste a lot of food. I like to cook and bake, I just dont. Got out of the habit, easier to grab food or mic it. Only 2 Adults to feed, so I will have a think on this and get back before bed tonight with a plan of action.

Thank You

I think I have got to hang of this now (blogging that is, not my spending and debt)

Yes I totaly agree with comment made. I have spending issues. It takes over my life. Today is the beginning of a New month and a New me.

Yesterday was ok (sh) concidering I have spare cash in the bank and it burns holes in my pocket as we say (not sure where everyone is in our world, who has commented). I only spent £30. I agree it was £30 I need not of spent. I usually would have gone to the cash machine and drew out all spare cash. So in my odd logic, that was an improvement ?

I have drawn up a very rough budget to get me going and now in the process of sorting my debt. More of that to come later in the day.

I have decided I need something to distract me, sooooo. My home is in need of some tender love and care. So today I am starting to sort out and decorate. I will try and look for all the chepest way to do things. Recycle and reuse is my new motto.

Be back later

Thank You

My priority debts are

Rent
council Tax
Gas and Electic

My none proirity debt but still debt is

Payday loans
Money owed to a friend

Its not a lot in the grand scale of things, but its always there. I cannot get it cleared and ahead of myself. I will post more details as I go.

Thank You

Sorry, just getting the hang of this, I posted yesterday in tha wrong place.

Thank you to all for your input.

Today, is my first full day at.

Getting out of Debt......lots of bits n pieces
Control my spending
Work on creating a buget.......and sticking to it.
Start Saving

I have in the past, not paid my priority bills, so I can spend. This is a totaly stupid thing to do but its what I have done. I need to be totaly honest with myself and anyone reading and making the effort to comment and help me. Between my pay and my husbands pension money and any extra money i pick up from extra work, we should be ok, not rich and need to keep and eye but ok. We are not and this all due to me not managing money well.

I have about £150 in the bank at the moment, that is spare. I would usually be out today, making sure I spend it.......not today

Thank You

I have one credit card. It is with a company that gives credit too people with a bad credit rating. It is for £200 and is at its limit.

My life is a mess (no one would know it). I am a star at hiding stuff. I am in debt, I overspend, procrastinate which causes me untold problems. I have a loving family and husband (second one, first one was a nightmare)I could have a very stress free life but for some unkown reason I just seem to want to wreck it. I have always worked, never been unemployed. Money is the devil to me. If I have it I have got to spend it. I am also over weight. I am sure all the above is inter linked some how ?

It is my intention to blog my way to a stress free life. Please feel free to comment, all constructive comments welcome.