Day 7: The Test

Today was the real test... Back to my normal routine of dropping off kids, heading to uni for the day and, to top it all off, it's budgeting and shopping day!

Getting dressed to the shoes was a no-brainer, very necessary when you have to turn up in a public place!  Shining the sink happened to schedule, DH washed up after dinner and I dried and put away before shining up the sink.

Problem:  I didn't check the site until just before bed!  I forgot to do the 2min hotspot and didn't see the new habit of putting out clothes.  Lesson learned.  I'm up a bit later because I decided to do it anyway.. 2mins clearing the breakfast counter (not paperwork like I had planned but hey, perfectionism is evil!), and my clothes (as you can see above) are hanging in the bathroom ready for tomorrow.  They are not ironed, but as I said, perfectionism is evil!

Yesterday I was going to return to post about my budgeting attempt but I got sidetracked resting up from my holiday!  I got it organised today though so here is the run down...

Goal 1:  Get Current

That means I need to get myself up to date with my bills before anything else.  The challenge is to not use credit!  In order to get current I need a working budget.  I'm using the envelope system for cash (using an app and a small file to hold the cash) and just sticking to my old system for bills for now.. That is putting all my spare cash onto the credit card and paying the bills from that - no new credit though as it was already maxed out!  Im dropping my cards to minimum payments, and not paying any bills in advance.  Once I am catching up, which may take a month or two, I will set up a joint account and have my bills taken out of that - depositing a set amount each month.  And a savings account.  Apparently ING let's you assign sub accounts so I can divide savings into emergency fund, car, Christmas, holidays, and furniture.  Between now and Christmas I want my mini emergency fund and some money for christmas saved up.  For this week though, I just want to pay the bills up.. I have two overdue and rego coming up, plus I'd like to get ahead on my home loan by a month.  Tomorrow is bill paying and I will see about setting up a new bank account.  Mission is a go!