Buddiebabe's new beginnings....

MrsPorridge

Hi Buddiebabe,

How are you?

I'm in the midst of packing up Ebay items and relisting those which didn't sell. Still I've made another £5 today from Ebay so it can't be bad.

buddiebabe

Hey

Seaxwyn i had a great sleep.... my mattress has had springs poking out of it for ages and it was getting really uncomfortable to the point i was waking up in pain most days. When i hoovered the bed and tidied we flipped the mattress over and ever since then i've slept like a baby every night... it also makes it easier to get up in the morning once i've had a good sleep.

As far as the bags of clothes and things go they are still lying on the living room floor to be sorted out.... i was really stupid when i put the stuff in bags and mixed everything together so half of my good clothes and stuff i wear are in there somewhere so i need to salvage them before i bin anything!!! I really need to get as much money together as i can i want this debt gone and im finding it really hard to go on with trying to pay things but i'll get there... i just have to.

MrsPorridge am still feeling fed up and down but i can't dwell on it or i'll end up making myself ill. That's good that your ebay items are selling... i still haven't listed anything new yet and am not sure when im going to be able to get round to it.... cannot get motivated at all.

Not managed a NSD for a few days but will see what i can do over the weekend.

I have listed below the things i still need to pay out this month. I've removed everything thats been paid and the stuff in the blue is for the things that i have the money in the bank for:

C/F from April:

SAVINGS

Gas £30.00

Repay money used for gas bill into house repairs £51.75

TV Licence £10.00

Money that should have been put away from EBAY for my account and mums postage savings:

JAN mine £16.25
JAN mums £16.25
FEB mine £5.50
MARCH mine £10.50
MARCH mums £10.50
APRIL mine £11.25
APRIL mums £11.25

Now everything still to be paid out in MAY:

DIRECT DEBITS:

COUNCIL TAX £120.00
SKY WARRANTY £10.75
SCOTTISH POWER £31.50
AOL £15.99
ZURICH CAR INSURANCE £25.42
ORANGE MOBILE £30.24

CREDIT CARDS:

DEBENHAMS £17.05
RBS M/C 2 £116.00

SAVINGS:

GAS £35.00
HOUSE REPAIRS £50.00
HOUSE INSURANCE £20.00
TV LICENCE £10.00

Well that's all i can think of at the moment if i can think of anything else i'll add it in later. Im going to make a post up for the things that need to be paid out in June as i already have some things put by in the bank from my main wages as its the only way i can work things out.

Buddiebabe x

buddiebabe

This post is for everything i need to pay out during the month of June and also anything still to be paid from May

Once it's been paid i will highlight it in red and if the money is in the bank for it i will highlight it in blue just so i know how to keep track. Some of the amounts have been left blank as i dont know what they are until the statements come in. If i get any other bills in or other things i need to pay i will add them as they come in.

Everything to be paid out in JUNE:

DIRECT DEBITS:

NORTHERN ROCK £451.02 (I have £280.94 put away for this... still need to find £170.08 to have this paid for the 1st June)
SKY £46.00
LOVE FILM DVD £3.91
HSA £9.75
POSTCODE LOTTERY £10.00
RBS O/D INTEREST £4.75
RBS ACCOUNT CHARGE £6.95
BT £12.00
NORWICH UNION £13.91
RBS LOAN £251.04
COUNCIL TAX £120.00
SKY WARRANTY £10.75
SCOTTISH POWER £31.50
AOL £15.99
ZURICH CAR INSURANCE £25.42
ORANGE MOBILE £


CREDIT CARDS:

DEBENHAMS £
MBNA £
RBS M/C 1 £
RBS M/C 2 £
TESCO £
SKY £166.89

SAVINGS:

GAS £35.00
HOUSE REPAIRS £50.00
HOUSE INSURANCE £20.00
ROAD TAX £20.00
CAR INSURANCE £25.00
MOT & SERVICING £50.00
TV LICENCE £10.00

Well that's all i can think of at the moment if i can think of anything else i'll add it in later

Buddiebabe x

MrsPorridge

Hi Buddiebabe,

How are things going? Have you had your weekend away yet?

buddiebabe

Hey MrsPorridge we got back from our 2 days away this afternoon. Had a really good time it was so nice to be away... didn't really want to come home but im loaded with the cold again so am not feeling like doing anything.

I have spent the night lying in bed watching tv and catching up with mail and reading newspapers for the last few days... am so tired everything is such a struggle!!!

Beginning to feel like any time i get any time off im i'll and wonder if its realy worth taking time off to feel like this the only good thing is that im not back at work until monday so i have the rest of the week to try and get myself well again!!

I have overspent over the last few days but haven't looked at my accounts since i got back as i can't face it right now but if im feeling better 2moro i will sort things out then.

The diet has also went out the window this week.... what with the sweets for the car journey.. the buffet style breakfast and dinners and hot chocolate and a scone the only bonus was no washing up!!!!

Am going to try and get some sleep now

Buddiebabe x

Seaxwyn

Hey welcome back, glad to hear you had a good time but sorry you are ill again. How long til the next holiday?

MrsPorridge

Hi Buddiebabe - welcome back.

buddiebabe

Hey Seaxwyn & MrsPorridge the next holiday is the 1st of June so i've got until Sunday this week to start feeling better then i've got a week at work then im away again :j

I had a really good sleep last night i did wake up a few times but slept really well in between. Im still coughing and feeling really weak... cant decide if i should just lie in bed and rest to try and get rid of it or if i should force myself to get up and do something???

Am going to lie here for a wee while until i stop feeling so sick and just catch up on all the posts here and mayb enter a few competitions .... something that doesn't take alot of effort!

Buddiebabe x

buddiebabe

Well i decided to sort out my finances instead of doing the competitions as i know i've been a bit silly with money over the last week. I have still got alot of money to find to pay all the things outstanding....

In order for me to pay all the things i need to pay im going to split it up into sections.... Direct Debits (essentials that have to be paid), credit cards (again minimum payments that have to be paid), savings (which i should put away) and other things like the ebay savings.... (things that i would like to put away but cant always afford to!)

I have paid all the credit cards that need to be paid this month. I only have 2 direct debits still to pay this month as follows:

DIRECT DEBITS:

AOL £15.99
ORANGE MOBILE £30.24

They are highlighted in blue as i already have the money put aside for them so that's one less thing to worry about.

I have the following savings to make this month:

SAVINGS:

GAS £35.00
HOUSE REPAIRS £50.00
HOUSE INSURANCE £20.00
TV LICENCE £10.00

and also the following to make from last month

C/F from April:

SAVINGS

Gas £30.00
Repay money used for gas bill into house repairs £51.75
TV Licence £10.00

Then i have the following i should have put away but didn't each month but again this is not such a big priority... the main thing is that i pay the essentials and if i have any extra money i can then put this away.

Money that should have been put away from EBAY for my account and mums postage savings:

JAN mine £16.25
JAN mums £16.25
FEB mine £5.50
MARCH mine £10.50
MARCH mums £10.50
APRIL mine £11.25
APRIL mums £11.25

Now i had previously written a post with everything to be paid out in June.... and highlighted some amounts i already had put away.... i will need to amend this post as i no longer have all the money i previously had for these.... am going to go and do this now and see just how bad things are

Buddiebabe x

buddiebabe

Well i've updated my June post and its not looking too good... im £170.08 short for paying the mortgage on the 1st June .... that's based on the mortgage being £451.02. Now last month my mortgage was only £401.70 but i've not had any word through from them this month to say if its going to go up, down or stay the same so if i budget to put away the full fixed rate amount i usually end up with extra.... now if it was to stay at the same rate as last month it would save me £49.32 so that would be better....

I have just checked my paypal account and have transferred out £20.08 which leaving the mortgage at the fixed rate amount means i still need to find £150.00

I have 2 weeks wages to get from the shop 2moro and next friday but i also have to put some petrol in my car and get some shopping.... if it comes to it im just going to have to put the petrol and the shopping onto the credit card

I have £100 saved in my works savings account for birthdays and christmas presents and am tempted to use this so i don't get left too short but then when i have 2 birthdays next month... one of them is my boyfriends i dont know what to do for the best

I have some things listed on ebay that finish tonight at midnight.... dont think i'll manage to stay up for them finishing... but might depends how im feeling.... at the moment there are only 4 items selling out of 138 finishing tonight for a grand total of £3.72 its not going to make me rich but it will be a step towards paying something!!!

I have so much stuff i really need to get listed on ebay but i know that there's not much value in it and i think thats why i really don't feel like listing it! Need to get some motivation..... maybe set myself a target.... must get better first as im struggling to concentrate or stay awake

Buddiebabe x