Hi, I'd like to join the thread please! I've been quietly snooping in on your lives for some time, (last 2 threads!) and you've given me the kick up the bum I need, so thankyou all!
My problem is that even though I have enough money to last the month, it comes in erratically (tax credits every 4 weeks, and ex pays maintenance, but never on the same day, can be up to two weeks 'late'), and I am constantly right at the end of my (1.5K) overdraft. Which is awful.
I have 4 DC (3 DD's with ex, DS with DP), a DP, and a house full of pets, plus about 30 chickens. I'm in the very lucky position to own my house outright (no boast, it's in very bad shape, needs many thousands spending on it), but have currently 17K on credit cards (holy shit).
So, my aim is to get out of my overdraft, by spending less; and paying down as much as I can off my credit cards.
I have been HITS (head in the sand) for so long, not daring to check the bank, panicking that my credit card will be rejected...I have had enough.
Banking app now installed and checked every day. Am keeping track of my spends, and we are on week 2 of meal planning.