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It turns out I was about £1800 over budget this month.

It still sickens me to know that I was so careless with my money at a time when I’m planning on buying a house in the next few months.

This carelessness has cost me greatly. That’s £2k that I’ve just wiped off my deposit. Overspending that has essentially pushed the date I’d have my full deposit ready by by a month.

I just don’t think about this in the heat of the moment when I’m faced with a decision about whether to take someone out to dinner, pay for a lavish meal, book a hotel room, buy drinks etc. My house doesn’t come to mind. Somehow I think of it as just one expense and not that taken together with all other overspending, it’ll end up being £2k which will delay my house buying plans by a whole month.

Next month, I’m going to have to do a lot better with this. There will be opportunities to spend without thinking but I have to halt it in its tracks. I’ve already committed to things which are going to cost me which I shouldn’t have. I’m going to have to limit the impact of this.

I need to pay off the credit card and shred it. The next few months, I’m going to have to be cash only.