Wednesday, 3 February 2016
Hello dear friends,
One of my favourite things to do in the world is to visit beautiful places. I haven't been to many places since having the children mainly because wow does it add to the cost. But I still like to look online at the places I would like to visit one day when the children are older. The picture above is Washington State and definitely somewhere I would love to see (isn't it stunning, although I do wonder if there is a bear lurking somewhere amongst those trees).
Whilst travelling and experiencing different cultures is still high on my list of things to do, the longer I am blogging and catching up with the wonderful people that are frugal and save, the more it makes me want to make cut backs and have savings in our accounts.
I would love to have enough savings in our account so that if either of us are made redundant or became ill we would be able to manage for at least a couple of months. We are not in that position at the moment, in fact over the last four to five months we have only just managed to pay our bills. This month I set up two spreadsheets one for our groceries and one for our budget. Doing this has already started to make a small difference as I have noticed an insurance policy for a computer that my son sold a couple of months ago so I cancelled that direct debit. Also I have changed a direct debit to our pay day that previously came out two days before payday, now it won't get forgotten.
Also for the first time ever I have put things into our budget like birthdays and Christmas, a clothing fund and a haircut budget so that we never get caught out in the future. Once we are starting to see money go into the birthdays/Christmas fund I will add an emergency fund so that we can start building up a cushion for our future. Won't that be nice!
Today has been another no spend day. (That's two in a row)
I walked six miles
I haven't weighed myself this week but I did avoid eating chocolate today even though I had the biggest craving for it I had a kiwi instead! Yay me!
Well I still have that awful chocolate craving so now I am going to have a coffee and head off to bed.
Have a good evening and take care xx