Ok let’s try this again!

Sigh – so fed up of being completely skint! I only spend money on food and entertaining the kids really. Bus fares to work, slimming club memebership, mobile phone bill. That’s it really. So I don’t know why I am always so skint!!!! I do pay towards the bills but that is the equivalent of my child benefit – not from my actual working wage. Chris pays the rest of the rent and bills with his wage. I buy the majority of the food – that’s how we work it.

For over a year now I have been moaning about ending up overdrawn and trying to get out of that cycle – well it has been getting worse not better. I spent a lot of money last month buying the carpet washer/hoover and lots of other things to bring the house up to standard. Losing my phone the month before cost me £100 and having two days off sick cost me  (don’t get sick pay). So yeah we are now at the point that my overdraft is swallowing my whole wage. Something I vowed would never happen . It is ok – I am allowed to be overdrawn – I just hate it hate it!!!

 I have been depressed about it all weekend. I have PMT too  which doesn’t help. SO – I am done being depressed about it – it is what it is. I now need to say enough is enough and start REALLY working on getting on top of this. So this month I am going to try to keep spending to a minimum. Will walk to work when the weather permits. Stop buying diet coke all the time and convert to something cheaper. Stop going out for dinner (I only go places like Sainsburys cafe but when you are paying for a family it still ends up costing best part of £20). I just need to get a handle on this. Especially as I am pretty sure they are going to take my Tax credits away. I just can not keep spending at this rate.

It is bad timing with the kids breaking up for the summer this week., I need to buy pressies for the teachers as well and Joe’s buddy. It never ends. When I try to cut right back there are always expenses that stop me. Still I will do what I can and not worry about what I can’t.

oh well – worse things happen at sea.

My friend and I have started a book club. We are going to meet once a month to discuss a book and have a glass (or 3) of wine! We have 7 members at the moment and have just agreed on our first book which is The Guernsey Literary and Potato Peel Society. I have no idea what it is about but one of the ladies suggested it so we are giving it a go.

I bought a writer’s magazine as well. I want to get some inspiration to have a go at writing some stories. If I ever get some time!

Well we are going up north to Newcastle on 2nd August for our friend’s wedding.  i am looking forward to it but also can’t be bothered. It will be good to get away for a few days but I am worried about spending too much money.

I have 2 weeks off work in the middle of August too which will be nice. Really want to do some fun things with the kids but we shall have to see how it goes. Being skint sucks!!!!