So ive mentioned a few times i used to be in debt to the tune of a few thousand last year, well 2007 i've been relatively debt free just owing my parents twenty quid there and thirty quid here (but then who doesnt borrow off their parents?)but yet i've still got as little money as i did when i was in debt.
Ok i know when i was adding to the debt i was living beyond my means, spending more than i earnt (generally having a bloody fantastic time!), but when i was paying off the debt i was plowing a few hundred a month into it. So not only was i living within my means but i was paying off almost £100 a week yet i still managed to have a social life, with me so far?
So here is the confusing point, if i could afford to pay all that AND still have a social life why now i'm debt free am i struggling to find my social life let alone even about saving money, and dont even mention a pension?! I just cannot puzzle it out. i'm having less nights out now than ever before i'm sure of that but i must be spending huge amounts when i do go out.
So to the plan of action. In one week time i'll be converting from weekly pay to monthly pay and so i'll need a lot better grip on my finances so i dont overspend again, so i have decided i think the best way forward is to note down over the next week where every last pound is being spent so i can see where all the money is going. Hell with this new job i might even save a bit! now theres a good prospect!
2007-07-21 @ 10:51