Buddiebabe's new beginnings....

buddiebabe

Hey MrsP it was ok i just think it would have been alot nicer if there had been more liquid in it.... don't think the fact i left it on so long helped either!!! I will try it again but not this week.

I've decided to take 2moro off my main job as a holiday. Im feeling quite tired and i've alot to do in the house so i wanted a day to get stuff done. Only problem is the boyfriend is not working till 3 so i don't forsee much getting done before then but you never know!!!

I want to make more soup 2moro cause i really enjoyed having something ready to heat up at work instead of having nothing and having to go out and buy something.

I had my first NSD of September today and i've only just realised it so :j

My ebay listings are now up to £61 so double :j:j

I got the letter in from the DVLA telling me my road tax is due up at the end of the month and i have enough money saved for it to pay for a full year :j in fact i have extra i'd put away £25 a month when i only needed to put away £17 a month so i have transferred £50 into the account for the MOT / Servicing and £25 into the insurance part of the account which covers Septembers payments for these, leaves me £5 in the road tax account to start again from next month and also a years full road tax :j:j:j

I have checked my Tv licence savings and i haven't been putting enough away for this each month so i need to pay £13 a month from now to November so that my Tv licence will be paid in full. I will make Septembers payment 2moro.

Things to do 2moro:

1. Go to bank and take out £190 to cover road tax
2. Pay £13 into TV licence savings card
3. Make soup
4. Put a box full of stuff on ebay
5. Clean the bathroom

As i have had the money left over from the road tax it means i only have to put away the following in savings this month:

£13.00 TV licence
£50.00 House Repairs
£35.00 Gax
£20.00 House Insurance

Which totals £118.00 and i still have £300.00 to get from my boyfriend this month which is where the money usually comes from to put these away. Its going to leave me with £182.00 extra which im sure will disappear as quickly as it has appeared so will not hold my breath on that point!

Well i decided as i was online i would go in and pay £13 to my tv licence savings so that's one job off the list done already :T

I get paid from my main job on Friday but all my wages are already accounted for by direct debits and credit card payments.... maybe one day i'll have some money just for me :rolleyes:

Going to get some sleep now. Will probably spend quite a bit of time on here in the morning

Buddiebabe x

buddiebabe

Hello

Well today i have done the following:

1. Put on a washing
2. Hung up a washing that i put on last night
3. Been to the bank and took the money from one account and put it in the other to pay for the road tax
4. Just paid for my road tax online
5. Paid minimum payment to MBNA £77.10
6. Joined the payment a day thread and paid £0.37 to MBNA
7. Joined the one debt v 100 day thread
8. Been to morrisons and farmfoods for some bits and pieces of shopping
9. Repaid £5.00 off what i owe my boyfriend
10. Sold 7 items on ebay :j for £41.00

I still haven't done much of the list that i made last night. I still intend to do stuff but not sure when :rolleyes: at the moment im just sitting down and relaxing.

I have also paid £20 to the house insurance account so i only have the house repairs £50.00 and the gas £35.00 left to pay now.

Buddiebabe x

MrsPorridge

Buddiebabe - well done on all the:j:j:j:j:j:j:j

buddiebabe

Soup is now cooking :j
Washing up needs doing so off to get that done.... i hate washing dishes! Then its time to clean the bathroom, take the other washing out the machine and debate about putting it in the tumble drier..... its mostly towels so they would be dry in about an hour then they could get put away and they would be nice and soft.... or i could just hang them over the drier and they might dry in the next week!!!

Better get back to it before i give up completely!

Oh final ebay sales for today total just over £100 :j:j:j:j:j

Need to list more......

Buddiebabe x

MrsPorridge

Buddibabe - I've just listed two items on Ebay.

Well done on the Ebay sales - just over £100 is fab.
:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j

buddiebabe

MrsP that's great :j:j:j

I have now cleaned the kitchen, done the dishes, put the washing in the tumble drier and another 1/2 load in the machine washing now!!!

I have also cleaned the bathroom.... im shattered but i want to hoover and dust the hall before i finish then im going to have a shot on the wii fit and then its a bowl of soup then a bath to relax and if i can actually be bothered im going to list 5 items on ebay tonight....:rolleyes:

Buddiebabe x

buddiebabe

Hey

Well i managed to do 16 mins on the wii fit and im suffering for it now... my back and leg are really sore but im sure i'll be fine!

I've not put anything on ebay today which was the whole point of me taking the day off work but never mind i'll get some stuff listed over the next few days.... honest!!!

The fact that i've sold the items today should have motivated me to get some more listed but i've just not bothered

Off to bed now

Buddiebabe x

buddiebabe

Hey

Sorry i've not been around much lately but i've been working every day since my full day off that Wednesday i took as a holiday... im so tired just now and feel like rubbish. This is my fisrt day off and im sitting on the couch surrounded by mess trying to find receipts for everything i have bought over the last 2 weeks!!! I haven't updated any of my accounts since my last day off so i really need to get this sorted out.... I don't even want to think about what i've spent this month i know its going to be bad I've just been using my credit card for anything and everything i could beat myself up about it but i really dont have the energy!!!

Going to check my finances and will post an update asap

Buddiebabe x

buddiebabe

Hey

Well i have checked my figures and updated as follows.... its not good reading but not as bad as expected:

OVERDRAFTS:

ROYAL BANK OF SCOTLAND £800.00 no change

LOANS:

ROYAL BANK OF SCOTLAND £9288.48 now £9037.44 now £8786.40
BOYFRIEND £270.00 now £250.00 now £235.00
MUM £61.75 now £51.25 now £56.75
HOUSE SAVINGS £300.00 no change

CREDIT CARDS:

DEBENHAMS £2300.00 now £2215.00 no change
MBNA £4050.00 now £4035.00 now £4027.63
ROYAL BANK OF SCOTLAND MC 1 £8380.00 now £8245.00 now £8114.45
ROYAL BANK OF SCOTLAND MC 2 £4910.00 now £4830.00 now £4762.00
TESCO £260.00 now £179.68 now £530.27 :eek: :mad: :eek:

TOTALS:
OVERDRAFTS £800.00 no change
LOANS £9620.23 now £9638.69 now £9378.15
CREDIT CARDS £20196.63 now £19474.68 now £19649.35

TOTAL OUTSTANDING SEPTEMBER £29943.37 now £29827.50

So its not as bad as i expected my debt hasn't increased however having made payments of over £600 i have only managed to reduce my debt by £115.87 but thats my own fault for spending money on food and other things i just shouldn't have!

I still have some money left in my bank account at the moment so will have a look and see what i still need to pay this month and what income i still have to come in this month.

Buddiebabe x

buddiebabe

Hey

Well Debenhams statement was produced today so have used what was left in my bank account to pay that £89.56.

I have also paid MBNA £2.63 as part of the payment a day thread which is better than nothing although since i joined the thread i have only managed to pay £5.00 to it.

I am still waiting on some money coming through from paypal so will see what happens when that comes where it can go.

I have made 2 lots of lasagne. One for the boyfriend that he can use for lunches or dinners over the next 3 days and one for my mum which they will use for dinner tonight. I also have soup cooking at the moment... im starving and just wish it would be ready sooner rather than later!

I haven't done half the things i wanted to do with my day off today or yesterday just spent most of it on the laptop doing nothing much.... Its not good had so much to do and so many plans.... always feel like its been a wasted day off. Never mind its done with now. Im working at 6 2nite so will need to get ready soon.

Am going to have another look at the bank figures to see if i have anything else i can do with them today

Will report back if i can find anything!

Buddiebabe x