Economising

I often feel as though I have 'some' sort of charge over my life but never completely in charge.  Not sure if that makes sense but it does to me.

I can be partly in charge and then it's like I can't seem to stick with it and then it all falls apart and then I think 'right' and pull some kind of charge over things again.

I'm hoping that this blog will help me be in charge of the 3 Es ALL of the time, rather than just some of the time.

So.....money....really is the bain of my life.

I am relatively 'poor'.... I don't mean world poor.....world wide I am extremely well off and rich as I live in a country that has benefited financially  from the oppression of most of the rest of the world at some point or another in history.

But in my country I am relatively poor, (slightly better off now I have my part time job).  I home educate my chidlren and have lived on a very low income for a very long time.

I have no idea what happened last year but I spent, a lot, on credit cards.  I wanted stuff, applied and got credit cards and bought the stuff.  I think I was just so very fed up of having 'nothing'.

I was even at one point spending on credit cards and yet saving a big wad of cash in my freezer..........(it was telling my boyfriend and seeing the perplexed look in his face that made me think maybe this wasn't a very smart plan).

So...........last month I totaled everything up.....it came to £8600 (plus £2400 that my younger brother had borrowed on a card of mine who will pay me back when some redundancy money comes through soon).

I had about £2000 in my freezer(!) and so paid that off straight away.  Everything is now on 0% interest for just over a year. Which means I need to pay £520 a month off.  And as long as I'm careful I can.

Already the debt is down to £5762.

I have realised that I have an odd relationship with money, I'm hoping that this diary will help me understand what I feel when I feel it with regards to spending, exercising and eating in a hope to sticking to a plan.

I was saying to my boyfriend yesterday that saving money and being frugal feels boring....it doesn't feel exciting or glamorous.

He is luckily a very careful spender, (even writing that just seems soooooooooo boring) and so I am trying to pick up some good vibes from him because he isn't boring at all so my feelings but be just that...feelings!

Ok, so now I have written about my 3 Es and my plans for each of them.