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  • FIRST POST
    • tibawo
    • By tibawo 8th Aug 16, 11:07 PM
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    tibawo
    Ten minutes from home ...
    • #1
    • 8th Aug 16, 11:07 PM
    Ten minutes from home ... 8th Aug 16 at 11:07 PM
    Why now? What is so special about today?


    Well.. the fact that we were sat for two hours waiting for the lovely car break down people to arrive as the wheel nuts were on so tight they wouldn't budge for me to change the flat tyre ten minutes from home on the motorway.


    This might be a strange light bulb moment but it really drove home the need for the emergency buffer of money and not just living from one month to the next. I literally have enough money[i think] and it will still last to when my zero hours contract job restarts in September. However, I did.have break down cover which using things on here I had shopped around for and got cash back for so I am slowly changing.


    I think that when I finished my IVA everything would be smooth sailing but alas, real life is not predictable and budgeting is a lot harder to master than just putting pen on paper. More so for a zero hours contract but that is a story for another day.


    So I am going to bed now to sleep on what direction I want my life to go in. Do I want to come home to letters I'm too frightened to open? A house that is so dirty and messy purely because I've given up on loving life? The extra stones in weight I have accumulated as I comfort eat my depression and failures away? Jobs/tasks half done around the home just because I have no willpower to finish them? The tears I shed as I think about how my mistakes and lifestyle have impacted on my children's? The answer is easy, it is the journey that is hard ...
Page 2
    • tibawo
    • By tibawo 28th Aug 16, 10:28 PM
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    tibawo
    Instagc is now at £2.. whoop! whoop!


    EBay collector showed up today and has really confused me. Item was cash on collection and annoyingly she had paid PayPal but as only a small item I just let it pass, However, she also gave me cash and when i queried it she was adamant she hadn't. Has now left positive feedback.


    My living room is now tidy but my front room is about to explode with stuff, as i am determined to properly sift it is staying. two bits on eBay have bids already. Found old oyster card so will send this back - saw on hotukdeals that they will refund any monies so thought would try it out.


    A NSD so that is always good!
    • tibawo
    • By tibawo 29th Aug 16, 10:05 AM
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    tibawo
    Man I hate these mornings. You know the ones where you are up and dying to put away the kids bits that they have dumped so that the house is straight so i can plough on with the room of doom knowing that I am up to date on everything.


    The sky is blue so I am hoping that I can get the washing dried as the last two days have been horrendous here and i don't want to have to spend money drying stuff... not being stingy just that it is less money spent and more money to get on top of bills. Might be only a few pounds but it all helps. looking ahead towards Christmas I would love to be able to relax knowing everything is in hand.


    After the other day if the weather stays like this then we might go for a wander. Trying to keep a NSD as I have a voucher for South Lakes and even though we would take a lunch it would be nice if we get an ice cream.


    Off for a brew and do my daily clicks.
    • tibawo
    • By tibawo 31st Aug 16, 10:11 AM
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    tibawo
    Quite a bit on eBay now and two other things to go on. Just need to get them down off the top of the kitchen cupboard! Hope they all sell, if not, then I seem to have a nice car boot pile developing. Why did I buy some of these things - I've used them a handful of times.


    Roll on Friday as I'll know if, and what hours I will have for the next half term at least. I have done a quick budget and need to work at least ten a week to pay the minimum. I would love four days work as this would mean I could attack the bills.


    I've been a bit sad, or is it organised, and printed off some calendar sheets for next two months. I am determined to get my house sorted and think I always fail as I set unrealistic targets. You know the ones. For example on certain days of the week my feet don't really touch the floor as I am busy with work, kids activities etc but instead of knowing this I still think I can do a few hours sorting as well.


    Alongside this during September i need to post up what i owe on here [making it real is quite scary] but also what i have made from clicks. I know some people might not agree but if my work hours come through I want to start building up vouchers that I get discount on from work.
    • tibawo
    • By tibawo 1st Sep 16, 5:03 PM
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    tibawo
    Is it really nearly 5pm? Not moaning just today has gone so quick!


    A card came from postie today with a notice telling me something was at the post office that the sender had not paid enough postage on. After checking everything we were clueless as to what it could be and asked to see it before parting with the £1.50. Still no wiser so took the gamble and paid. It was something from Sainsbury's to do with DD1 guide badge. So means she has more evidence for another challenge so I suppose it was worth it!


    The pine shelves of pending things has a empty tub and another is half empty and although there are other piles in the room, these are either eBay or tubs with finished stuff in for dd's craft stall and are under the window so out of the way. I'm pleased with this as dd2 went back to school today so see it as the start of a new year and has hopefully set the tone.


    Should find out tomorrow about hours next week so here's hoping they are enough.
    • tibawo
    • By tibawo 3rd Sep 16, 10:32 AM
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    tibawo
    Really hoping that today picks up as already kicking myself. Firstly I lost my will power and did one of them deposit x amount of cash and get x amount of free spins too. Why am I so stupid. Quick way to lose money.

    Then as I'm having my me time catching up whilst kids are still in bed there is a knock of the door, open it to religious people. I would not have opened door but it was same knock as postman. Grrrr.

    Had a letter back from tax man and am owed £12 odd so will now put that in account. Also heard from FOS that they are now looking at my case. Am hoping that after they give be a default notice and then proceeded to give me a loan goes in my favour.

    Not got timetable yet. Hoping for the magic ten hours any more is a bonus.
    • tibawo
    • By tibawo 3rd Sep 16, 5:28 PM
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    tibawo
    Well the reason why my timetable took longer than usual was that one of my colleagues had a death in the family early yesterday and they needed re doing. Whilst I am grateful for the extra hours my heart goes out to him.
    • tibawo
    • By tibawo 4th Sep 16, 6:35 PM
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    tibawo
    So left from the summer holiday we have the south lakes and nectar vue ticket to use before the end of September and also have £20 on a vue gift card and £8 on a farm foods.


    I was going to use the vue today but we are having one of our silly tidy up days.. we have 'me' time and then i have written jobs on a mini whiteboard that once done means we can have more me time. the time has just run away so much so that i haven't even started tea yet!


    My eBay stuff is due to finish tonight. It totals about £20 at the moment which i am pleased about.


    Here's hoping to a positive start to the school year.
    • tibawo
    • By tibawo 5th Sep 16, 10:01 PM
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    tibawo
    So ebay did go quite well apart from someone living 100 miles away bidding on collect item and not realised until i asked about collection and it looks like my second chance bidder is not interested now. Grrr!


    Work was fine today but it will be a longer day tomorrow.


    got myself a diary to try and get myself more organised so busy sorting that!
    • tibawo
    • By tibawo 6th Sep 16, 6:27 PM
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    tibawo
    Partly wished i had not bought the diary because as soon as things pop in my head i am writing them down and where i once thought i was getting on top of things i am finding more to do!


    Second day at work and I am already counting the days till weekend. I think today I am shattered because of a smash on the motorway which delayed me by over an hour!


    One of my eBay collected and i am quite tempted to message the other as originally I put after 5pm but am now wondering if they have forgot even though it is not even 6.30pm yet!


    Think i need a caffeine injection and then see if i have any more energy to tackle more jobs in the diary!
    • tibawo
    • By tibawo 17th Sep 16, 9:58 AM
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    tibawo
    It has been a while since i have been on my diary and today's entry is trying to understand why.


    Whenever the bills are coming in thick and fast and you have no money to cover them people always say not to stick your head in the sand and talk about the relief and how it feels like a weight is lifted off your shoulders by talking. But when you have a blip and it happens again the second cry for help makes me felt i was lying about being able to keep up a payment plan.


    I do agree with this theory but it is not easy and when something happens [in my case i had no work with my zero hours contract] it is not always easy to see the light at the end of the tunnel and becomes very easy to go back to that dark place and stay there for a while. Some people can easily pull themselves back up, others not. I think i am somewhere in the middle. I would love to have a financial safety net and yes i do try but something always crops up. Mine currently stands at £1 and this is only because you have to have this in your account to keep it open.


    Luckily for me my first cheque will clear on Weds and then weekly for the near future but due to the nature of my work I think I will try making half term plans. Projecting budgets way too far in the future is not the way forward to me due to the nature of my work.


    I write this as i have received my 'nasty' reminder about my leccy bill, borrowed some money off my sister and am late with the rent. I might not be back until Weds as i can't do anything financially until then but will keep myself busy working on my KD.
    • tibawo
    • By tibawo 24th Sep 16, 6:25 PM
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    tibawo
    Not out of the clear yet I am now owed over £1000 in pay.. frustrating that you work 'two weeks' in hand as i can now smell it but can't get rid of the anxious feelings it is all generating.


    I have tried to contact npower. love it how i get seven days from the date they send things to respond before charging me fees but they can take their own sweet time.
    • louby40
    • By louby40 24th Sep 16, 7:30 PM
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    louby40
    Oh no, when will you get paid?
    Dec 16 Barclaycard £73 0% First Direct £1179 0% Parents £2125=£3377
    Nov 16 Barclaycard £73 0% First Direct £1179 0% Parents £2425= £3677
    Sealed Pot Challenge 10 #572
    Car loan £5024 Mortgage £99,720
    • tibawo
    • By tibawo 27th Sep 16, 3:11 PM
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    tibawo
    Thanks for checking in louby40. I always wonder whether people are thinking of me and my ramblings or just thinking 'whatever' and click on something else!


    I got half of the pay today which has really lifted a chain from my neck. I have even treated myself to a few tins for later so i can jus chill.


    This morning as i had literally just sat down sorting bits of bills when there was a knock at the door. It was one of the meter plus guys. I did tell him I was not happy with npower as i have emailed them but told him i was just in midst of sorting this. I think he didn't believe me until he saw the bank card and the payment page of npower open! He was actually a nice guy but think he if i couldn't pay anything then it might have been different. He asked me why i never rang and i said because they take ages to answer and since even he was on hold for 20 mins plus I think he got my point! When he asked how much i was about to pay i told him 200 and i explained what had happened and my zero contract. Payment plan now in place and even he said it was nice to not have to have a defensive customer and knew why i was complaining i.e. about service not about owing money!


    determined to keep this positiveness flowing today.
    • abba1772
    • By abba1772 27th Sep 16, 4:14 PM
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    abba1772
    Glad to hear the npower guy helped u out its a rarity to hear about positive customer service these days xx
    BARCLAYCARD TO BE PAID OFF BY XMAS Sept 16: £2299 Now £93.85

    POAMAYC 2011 £6382.66 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £7445.53/ £6000
    • tibawo
    • By tibawo 2nd Oct 16, 12:28 PM
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    tibawo
    I can't wait to be paid this week as for once it shouldn't be a week of 'too much months left at the end of my money!'


    My hours have gone down at work which i was expecting but still remain above 10 which is enough for me to make ends meet and now i have caught up with things I can start focusing. My dilemma is that in theory i can meet the payment in my plan and at the moment interest is frozen. So instead of throwing everything at the debt I don't know whether to start putting money onto gift cards for supermarkets ready for weeks when i have no work etc in the holidays.I get a % discount if i buy through my union. I am thinking if I start now I won't have the big panic i get in summer and if need be could fall back on them in an emergency. Whether i keep up with it is another matter!


    My fridge and freezer are nearly empty... this is actually on purpose as the trays etc need cleaning but finding three jars of opened red cabbage seemed a bit odd!


    Off to put away the surplus stuff from a craft fair yesterday and to get on with the chores!
    • tibawo
    • By tibawo 5th Oct 16, 12:44 PM
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    tibawo
    Kicking myself a bit today as I'd forgotten about a few things that were due early October that I've not paid. Back in July I paid as much as I could up to October thinking I'd be working again , which i am but as I had not had to pay them till now forgot to budget for them.


    I am hoping that I now get paid via online banking as waiting for a cheque to clear will set me off into anxiety and serious panic mode again and I was just starting to relax about it all.


    I am feeling that i am just going round in circles at the moment. Really need to get my head in the game.
    • abba1772
    • By abba1772 6th Oct 16, 8:58 AM
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    abba1772
    Everyone goes through those emotions whilst on their debt free journey but you do get through it xx
    BARCLAYCARD TO BE PAID OFF BY XMAS Sept 16: £2299 Now £93.85

    POAMAYC 2011 £6382.66 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £7445.53/ £6000
    • tibawo
    • By tibawo 7th Oct 16, 7:57 AM
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    tibawo
    next batch of pay went in today so paid rent and will pay some bits after I have done the school run. I had a weird experience with my online banking today, it asked me for the last three digits of passcode, then kicked me out and when i logged in again it asked me for the first three. none of them in a set order e.g.2 3 1. now i don't know if i am being paranoid, not that there is more than a few pounds there but weird all the same.


    after today, on paper, i have 3 more bits of £390 to pay before the end of the month. work still owes me circa £700 so hoping more of a rhythm can start. i feel i am in a position today to get the budget sorted to pay the debts and to post them on here.


    also seen a couple of regular rather than zero hours jobs online so will have a proper look t them today.


    got my list ready of things to do today... it looks horrendous but as i have done 4 things already it is do 'able!'
    • tibawo
    • By tibawo 14th Oct 16, 11:45 AM
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    tibawo
    A week later and real life has got in the way so much, i feel like i have literally just got up, been to work, meeting/kids activity and then bed. On a good note it meant I spent little and was able to not to get too worked up about pending bills.


    Even better was that i woke up this morning to find i am now back to a week in hand which is a weight off my shoulders. On the down side though my naughty self thinks 'oooh, money, what shall i buy?'


    I did go into Sainsbury's and bought things for the store cupboard. I wanted to spend about £10 to get one of the bonus points things. Got my tins from the basics range etc, i do actually shop around as sainsburys can be expensive and i won 2000 points which i was really pleased with as i thought i'd get the 200. I try to hang on to these and use them when a nectar special offer comes along.


    i di have a brief look at my budget and think where i go wrong is that i throw everything at paying things off that i don't put money on one side for things like haircuts , clothes etc. On my new one i am literally going to factor things everything in included birthdays etc and then adjust from that.


    Wish me luck!
    • maddiemay
    • By maddiemay 14th Oct 16, 12:37 PM
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    maddiemay
    Many good luck vibes winging your way

    Hang on in there, it will get better. I too am rubbish at budgeting, and worse still my memory is not great, so sometimes I forget that I have paid/need to pay something and then think that I have more money than I actually have

    I read of lots of people whose budgeting skills have been turned around by YNAB, but because of illness my concentration skills are not great ATM, so I don't really think it is for me
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