Buddiebabe's new beginnings....

buddiebabe

Ok well i have just totalled up the amounts listed above and the grand total of everything comes to £1997.93 :eek: now bearing in mind that i still haven't got figures for 3 of my credit card minimum payments or the mobile phone... approx figures for these would be £345 which would give me a grand total of £2342.93 :eek: and that does not include food or petrol.... i think im up that creek without a paddle!!!!!!!!!!!!!!!!!

Anyway there is no point in dwelling on it i just need to come up with a plan of action....

I have checked all my accounts and scraped together all the money i have in the house so 2moro i will be able to pay the following:

£25.00 postage owed to mum
£1.86 into holiday fund (my priorities really need sorted out :rotfl:)
£30.00 Gas c/f from April
£51.75 towards house repairs c/f from April
£10.00 TV licence c/f from April
£10.00 TV licence c/f from May
£3.00 into mums account for ebay money due for June
£10.00 towards house repairs for June (should really have paid this in full but decided to pay April's so that i now owe nothing from April)

Am going to go back to previous post and highlight in blue things i will be paying 2moro... oh just realised it will be today!!!

Buddiebabe x

buddiebabe

Well that's all be highlighted now so need to work out what's next!!!

The Direct Debits will be ok as they can come out my wages when i get paid on the 12th so am not going to worry about them.

I have transferred £50 out of paypal tonight so hopefully that will be in the bank by the end of the week.... i still need to get petrol for work but am not back at work until Tuesday and my Skycard statement gets produced on Tuesday (i always pay this off in full) so if i hold off getting petrol until then i can worry about finding that for the rest of the month but it would mean i could use the money from paypal to pay my Tesco credit card and also the £3.00 to be put away for my ebay money for June which would take another 2 things off the list.

The savings i put away from the money my bf gives me every week so i need to pay the following so have put the dates beside it when i can make the payments:

HOUSE REPAIRS £50.00 (am going to pay £10.00 towards this on 8th June) so that leaves £40.00 11th June
HOUSE INSURANCE £20.00 11th June
ROAD TAX £20.00 11th June
GAS £35.00 18th June
TV LICENCE £10.00 18th June
GAS C/F from May £35.00 18th June
CAR INSURANCE £25.00 25th June
MOT & SERVICING £50.00 25th June

That will leave me £20 a week for food for the next 3 weeks so its not too bad.

The only things i will have to find the money for are the credit cards which is probably going to be around £470 - £500 :eek: I do have my wage from my 2nd job which i will get every Friday but most of that will go on petrol :mad: i also have to go away to a course next wednesday for my new job which is going to cost me.... i think i will get the money for the travelling back but probably not for a few months will need to sort something out... not even sure how to get there and i hate driving somewhere i dont know.

Looks like im going to have to really start upping my game on ebay. I have 340 items listed and 4 selling for a grand total of £3.97 :T not much but its a start! Think i need to look for some items that are actually worth selling instead of all my 99p tat!

I know we have enough shopping in the house so i don't have to worry about food for the rest of the week and im off work today so need to get some ebaying done.

To do list for Monday:

1. Go to bank and pay in all money to different accounts
2. Phone post office re missing cheque refund for missing ebay parcel
3. Iron all clothes for me and bf for work on Tuesday
4. Make lunches for work on Tuesday
5. List 10 things on ebay to bring total to 350
6. Enter 50 competitions
7. Sort through one box that's lying in hall
8. Check ebay for feedback and payments
9. Update diary when things are done
10. Go for nice relaxing bath before work on Tuesday

Am going to go to bed in about 10 mins.... am going to go enter some competitions first to get a head start on my list for today

Buddiebabe x

buddiebabe

Well am not having too good a day so far. I have decided im not going out the house today.... i'd only spend money and the house is an absolute mess :mad: so am sitting here totally depressed and really cant be bothered with anything! I have done nothing on my list for today and i can see that being a pattern that may continue for the rest of the day. To top it off i have been getting numerous phone calls from numbers that i have no idea who they are and they keep wanting to sell me things. I am registered with the TPS which should stop these kinds of calls coming through.... am getting really fed up with it to the point im getting really angry when they phone :mad::mad::mad:

Things are not good. I've already been in tears today for no reason and im starting to feel really anxious again

Am going to go check my bank accounts to see if i can depress myself some more!

Buddiebabe x

buddiebabe

aaaarrrggghhhh :mad: :mad: :mad: just had another one of these marketing calls..... so have just sent off another complaint to TPS!!! Part of me is glad that i work full time and also at night so i don't have to speak to these people who give you grief for saying thank you im not interested.... then you get 20 questions.... whats that all about....!!!

I've also checked my bank accounts and they are no different from last night which is good.

I had £3.38 left in my current account out of my overdraft so i decided to pay the following with it:

34p to RBS M/C 2
£1.10 to TESCO
£1.00 to Debenhams
94p to MBNA

not alot but it has made me feel a bit better! I feel as though im getting somewhere! I have also found £2 down the back of the couch so if i can find another £1 in the house i can pay that into my account for the ebay money owing to me for June.

I've just realised that i need to snap out of this downward spiral i feel im getting into cause if i don't get out it soon its going to drag me so far down i don't know if i'd make it out of it

I've also realised i have not updated what is currently outstanding debt wise so will need to get that checked and posted next... it may make me feel better or worse depending on the outcome of it. Fingers crossed for a positive outcome :rolleyes:

Buddiebabe x

buddiebabe

Well it's a bit late but better late than never! Here goes outstanding at 8th June 2009 is as follows:

OVERDRAFTS:

ROYAL BANK OF SCOTLAND £800.00 no change

LOANS:

ROYAL BANK OF SCOTLAND £10041.60 now £9790.56 :T finally under £10000

CREDIT CARDS:

DEBENHAMS £384.00 now £374.00
MBNA £4090.00 now £4079.06
ROYAL BANK OF SCOTLAND MC 1 £8745.00 now £8659.00
ROYAL BANK OF SCOTLAND MC 2 £5161.00 now £5078.00
TESCO £1550.00 now £1560.00

TOTALS:
OVERDRAFTS £800.00 no change
LOANS £10041.60 now £9790.56
CREDIT CARDS £19930.00 now £19750.06

TOTAL OUTSTANDING JANUARY £33180.86 now APRIL £31166.01 now MAY £30771.60 now JUNE £30340.62 total paid off from 1.01.09 £2840.24

Managed to pay off £430.98 this month which is ok i managed more than last month but to be honest this month i've not been as careful with my money as i should have due to the two weeks holidays i've had and i still have some catching up to do with the savings as well.

Going to update snowball calculator with the small payments i have just made and then im off to update my signature.... am hoping that this month im able to take the total outstanding debt to below the £30000 mark it might be a bit hard this month due to all the stuff i still need to pay out this month but am hoping i can do this!

Buddiebabe x

Seaxwyn

HI there. So not a good day but you've still made some debt payments, and the total is still going down, even if not as fast as you'd like. Hang on in there.

buddiebabe

Hey Seaxwyn

Things have got a bit better tonight. I've managed to get the work clothes ironed for the morning, sandwiches are made ready for lunches, i did a washing, cleaned the bathroom, had a shower, did 30 mins on the wii fit and forty sit ups, tidied up some of the washing and unpacked the suitcase from Friday!

So i feel like im finally getting somewhere. I didn't get to the bank today to put in the money but my mum will take it to the bank in the morning. She also sold something for me on ebay so it made £20 which meant that i didn't have to give her the £25 i only had to give her £5. So i have an extra £20 and will need to find somewhere to put it now! I will decide 2moro.

Will need to get over to your thread and catch up with how your getting on with your jobs

Buddiebabe x

buddiebabe

1st NSD of the month ... only 6 to go to make my target of 7 for this month

Buddiebabe x

MrsPorridge

Hi Buddiebabe - I had my first NSD of the month today (its atrocious isn't it)? I can't believe how hard it has been. A long way to go to reach my target.

MrsPorridge

Hi Buddiebabe - how are things going?