Not Live From Pay To Pay

Downloaded a great spread sheet today that shows you how long it will take to pay off your credit card. fido.gov.au. Scary but educational

that is a start

is going to get worse before it gets better

doing incredibily badly at this, largely due to moving. I have been thinking about what i need to do to change this and the only short term thing is to make more money!!

The last couple of pays i have been doing not too badly actually …...

i worked out i saved about 50 bucks this week walking instead of taking cabs, which is defintely going to help me with this goal

ok i walked one way both yesterday and today so that saved me $14 dollars…. i don’t really feel like walking in the mornings but i find it wakes me up which is good

i spend a lot of money on cabs so in an effort to achieve this goal and my exercise goal i am going to walk to the train station and back home as much i as i can. its getting lighter earlier now so i can do it as long as i don’t finish work too late. I did it today and saved $14 bucks! and suprised myself because it used to take me 25-30mins and now it takes me 18-20 mins so i am a lot fitter then i was :)

well i missed a weeks work at my new job with the flu and therefore i had no sick pay so this pay is minmal and it will be lucky to last the two weeks! guess i will focus from next pay. have down loaded a budget spreadsheet to use

Its really frustrating as i don’t socialise much anymore and i don’t buy much. I am determined to buckle down even more and not live the pay to pay existence!