Buddiebabe's new beginnings....

Seaxwyn

Brilliant news about the Skycard. Well done!

buddiebabe

Hey MrsP and Seaxwyn i sat and typed up a big post just before i went to work in the shop and it all disappeared and i didn't have time to write it again so i just gave up!

I have just checked my MBNA statement online and they have charged me £82.57 interest and have set my minimum payment at £87.57 for this month. I have paid them £87.57 today and i will continue to make a payment a day for this if and when i can afford to.

I have paid £41.12 to tesco today to bring the balance back to £300 as i have used the card for petrol and shopping.

I get paid 2moro and i know there's going to be nothing left from my wages and im going to have to find money to cover the rest of the credit card bills. I have three weeks wages to get from the shop which should just cover the bills and get me petrol. Sometimes i wish i didn't have to worry about things.... i get sick of having nothing left for me .... is that bad me feeling selfish for wanting to be able to go out and do things that i want

In total today i have paid out £128.69 towards my debts i just hope that this month it shows in what i have actually paid off i need to see that im actually getting somewhere with these debts

On the plus side i managed to have a NSD today bringing my total up to 5 for this month :j

Buddiebabe x

MrsPorridge

buddiebabe wrote: »

Sometimes i wish i didn't have to worry about things.... i get sick of having nothing left for me .... is that bad me feeling selfish for wanting to be able to go out and do things that i want

Its certainly not selfish of you Buddiebabe - in fact I would say its how the majority of us feel (me certainly included). You will one day be able to have things and not worry about them I am sure. You are doing so well plugging away at it.

Well done on your NSD today.

It won't be an NSD for me as DS and I are going to the cinema this afternoon to see G-Force its amount little hamster saving the world (I think)! I am back at work tomorrow and the weather is very foggy here so perfect day for the cinema.

buddiebabe

Hey MrsP hope you enjoyed the cinema and your last day off. I didn't manage to post yesterday i ended up just going to bed after reading some diarys. I took today off work as a half day holiday and half day flexi to see if i could get rid of the cold. It's not really working... i did manage to get a few extra hours in my bed which has made me feel a bit better but my cold still here!

I have been paid yesterday and i have tried to sort some money out but things are still going to be a bit of a struggle this month i think.

I am using my Tesco credit card to buy all my shopping and petrol and collect club card points.... in the same way i used to use my Skycard, however, on checking my statement i had an outstanding balance on the Tesco card which was being charged interest at the cash advance rate so it means that im going to continue paying interest on the balance. I had £400 saved in the house repairs savings account so today i have taken £300 out of that account and paid off the outstanding balance on my Tesco card £323.73 which should reach my Tesco credit card account leaving my balance on Tesco clear. It means that i wont be paying any interest on the purchases i make on my Tesco card and i should be able to pay it off in full as i will only be using it as and when i need it for petrol and shopping and will pay it off my 2nd job wages every week hopefully before the statement comes in.

It does mean that i now owe the house repairs account £300 so i am going to add that to my loans total. It does mean that there wont be any interest charged on that. I want to try and pay it back into the house account before xmas so its one less thing to worry about.

Im not entirely convinced i've done the right thing by taking the money from the account but if the worst comes to it i can use the credit card to pay for any repairs that need done.

I have paid £9.24 to my RBS MC1 today i still have to pay £180 to this card before the 10th September i usually pay this from my wages straight away but i have accounted for all my direct debits that come out of my account between now and my next full time wage 12th September and i don't have anything left.

I still have the following to pay this month:

£180.00 to RBS MC1
£100 approx minimum payment to Debenhams
£10 to money i owe mum (don't have to do this but would like to)
£14 to money i owe boyfriend (don't have to do this but would like to)

so thats a total of £304.00 :eek: im not sure where im going to get this money from i have 3 weeks worth of wages to get from the shop so i can probably get half from this so that im not left short for food and petrol.... i'll get there im just going to have to!

I really don't want to have to carry anything forward to next month or miss any payments so will need to see what i can come up with

I did make my payment to MBNA today a grand total of 26p.... thats what was left from my wages!

I have had a few sales on ebay so will need to check if i've got much in my paypal account.

Buddiebabe x

buddiebabe

Hey

Well i have raided my piggy bank and collected the loose change out my house and managed to find £4.00 so i am going to give this to the boyfriend to bring the total i owe him to £260.

I have transferred £18.41 out of my paypal account and with the odd money left in my overdraft i have paid £10 to RBS MC 1 meaning i only owe it £170 now and the other £10 i am going to use to pay towards what i owe mum bringing that down to £50

It now means i have to find £280 this month. I should have a good wage from my 2nd job 2moro as i worked 27 hours last week so am hoping i can pay at least the £70 towards RBS MC1 as i still need to get petrol and food this month.

Going to go try and get some more stuff done... have a load of things to do but don't really feel up to much.... am watching how clean is your house repeats wishing someone would come in and declutter and clean my house for me :rotfl:

Buddiebabe x

Seaxwyn

I think you did the right thing using the house savings - I bet they weren't getting as much interest as you would be paying on the Tesco card. Well done on all the payments this month. It's always invigorating reading your diary because you are always paying something off somewhere or other.

buddiebabe

Hey Seaxwyn the house savings weren't getting any interest cause they were never there long enough to get much. I think the most interest i have ever had is £2 and my tesco card was going to cost me £15 a month in interest until i managed to pay the full amount off.

I feel like im constantly putting myself under pressure to pay something off and it really really gets me down sometimes.

I have sorted out a box of paperwork tonight and picked up all the newspapers that were lying about the house and my recycling wheelie bin is now half full

I really want to get my debt down to under £30000 this month and i will if i can find the money to pay the Debenhams card and the RBS MC1 and i know i will find it cause i can't afford not to i just wish i had a bit of breathing space somewhere in amoungst it!!!

I'd better go do something cause im getting myself more depressed as i type.

Buddiebabe x

buddiebabe

Well my boyfriend has just given me the money i usually get this week so i have given him £10 back towards what he owes me which means thats one less thing to worry about which is always something.

I hate owing my boyfriend and my mum money i always feel bad if i need to buy anything cause i feel like i should be giving them the money instead of buying things.

Both of them say i shouldn't worry about it and that its not urgent but i hate owing them money i feel like i should be paying these off before i pay off my actual debts

Buddiebabe x

MrsPorridge

Hi Buddiebabe - just to say hope you have a good weekend.

buddiebabe

Hey

Thanks MrsP same goes for you 2. I haven't paid anything today and am not going to ..... if im honest i really cant be bothered to find my book with all my money things written in it and i don't want to pay something just because i feel i have to.

Im having real problems getting the laptop to work properly and im struggling to get the internet to stay on. Im working 2moro but only for 6 hours and then im off on Sunday so will try and update over the weekend but don't really have much to update at the moment so it may be sunday before im back on here

Hope everyone has a nice non spending weekend

Buddiebabe x