Buddiebabe's new beginnings....

buddiebabe

Hey

Well im in a good mood today for a change its been a good day! I took the day off work so i could get my hair done for the wedding. My boyfriend said he would pay for me to get my hair done and it looks great am so happy with it.... it makes me look less haggard and old!!! I just looked completely shattered before i got it done and now i feel like a new woman :rotfl::rotfl::rotfl:wonder how long i will manage to keep it like this!

I have paid all bills and the only things i have left to pay this month are as follows:

£25.00 to MOT savings account
Pay mobile phone bill when it comes in
£20 hair curled for the wedding

When i was at the hairdressers she suggested getting my hair curled for the wedding so have decided to go ahead and get that done so that will cost me between £15 - £20 so have included that as a bill above

I will have enought to manage to pay all this and i still have £80 left in my current account and £50 left in my purse. I got petrol on Tuesday night so won't need to fill up again until the end of next week so am quite happy about that. I've also got enough food.... well i think i have to last until the beginning of next week.

I've got 2 wages from my 2nd job to get before the end of October and still £100 to get from my boyfriend next week to cover his share of the bills so i should make it through to November without too much to worry about.

Im so glad i have paid everything i need to pay this month cause it's good to have some breathing space for a change! I know i need to save some money for the wedding but am so glad i don't have to worry about where to find this from.

Im going to get some dinner ... yes this early ... but i didn't have any lunch and im working at 5 tonight instead of 6 so i'll have my dinner now and have a snack when i get in tonight.

Buddiebabe x

buddiebabe

Hey

Well as it's now the 2nd November i thought i better come and update so here goes:

OVERDRAFTS:

ROYAL BANK OF SCOTLAND £800.00 no change

LOANS:

ROYAL BANK OF SCOTLAND £8786.40 now £8535.36
BOYFRIEND £200.00 now £95.00
HOUSE SAVINGS £286.04 now £230.00

CREDIT CARDS:

DEBENHAMS £2133.00 now £2050.00
MBNA £3999.35 now £3932.82
ROYAL BANK OF SCOTLAND MC 1 £8110.00 now £7975.00
ROYAL BANK OF SCOTLAND MC 2 £4750.00 now £4670.00
TESCO £1396.27 now £960.00

TOTALS:
OVERDRAFTS £800.00 no change
LOANS £9272.44 now £8860.36
CREDIT CARDS £20388.62 now £19587.82

TOTAL OUTSTANDING JANUARY £33180.86 now APRIL £31166.01 now MAY £30771.60 now JUNE £30340.62 now JULY £30859.47 now AUGUST £30616.86 now SEPTEMBER £29913.37 now OCTOBER £30461.06 now NOVEMBER £29248.14 total paid off from 1.01.09 £3932.72 :j

Well i've managed to get my debt under £30,000 again :j:j:j:j:j

I managed to pay off £1212.92 last month :eek: :j:T i have no idea how i managed to do it and where i got the money from but i've done it so am very happy with myself.

At my last update i thought i would make it through to November with some money to spare but i seem to have miscalculated exactly how much i would spend in the run up to the wedding!! I have some money left but still haven't put away the £25 i need to for the MOT so will need to get that sorted out this week and i still have to get petrol so i need to do that 2moro.

The wedding was great but i ended up spending far too much money. I got my hair done which was £15 and i also got my nails done £30 then i bought makeup, fake tan, tights, hair clips and the list goes on and on.... i had a great day so it was kind of worth it.

The house is a complete mess and im stressing about it but instead of tidying it im here lying on the sofa bed in the middle of the livingroom writing this instead of tidying up i should really be in bed as im working in the morning and my alarm will go off at 7am but i wanted to know exactly how much i had managed to pay off this month and im impressed.

I've not been spending as much time on here as i should have but i want to try and rectify it this month.

Anyway i better go to bed

Buddiebabe x

MrsPorridge

Hi Buddiebabe - that is such fantastic news - well done on getting your debt below £30,000. I am very impressed indeed that you managed to pay of £1212.92 last month and you certainly deserve to feel very happy with yourself.

I, too, am going to try and post more regularly on my diary. Even just reading other people's threads though gives me the motivation I need.

I know what you mean about spending too much though (the wedding). I kind of fell off the wagon a couple of weeks ago but managed to catch myself before I hit the ground!

Seaxwyn

Crumbs, that's loads you've paid off, well done!!! I bet you looked fantastic at the wedding, and you can't always spend nothing. Did you get some nice photos?

buddiebabe

Hey

I have no idea how i managed to pay off that amount last month and i am very impressed with myself.

I think i have left myself a bit short this month and am not 100% sure if i'll have enough money to get me through until payday on the 12th but i'll figure something out.... i usually do. I haven't put anything new on ebay over the last 3 weeks and i can normally rely on ebay to give me a few £s but now they are making you give free postage on books, magazines and videos i've had to take off over 150 listings so am going to see about selling them at my work for 50p each and if they sell great i may get some cash but if not then i'll maybe try a car boot sale. The have just started a local one at a country park but i don't know what like it is so will maybe go on one of the Sundays am off but i may end up just giving the lot away .... only after i've tried to sell them at work first.

I managed to put petrol in my car today which cost me £20.01 which managed to get me half a tank so it should get me to work for the rest of the week. Next week im on holiday so won't be needing much petrol then i hope.

I got a cheque through for £1.24 for a try me free offer so that will be going into the house account to repay a bit off what i owe it but at the moment i have no idea where the book is so will need to wait until i can find it before i can count that as being paid.

I have made a payment of 62p to my MBNA account tonight as part of the payment a day thread..... i haven't been making regular daily payments but have been trying hard to pay a little bit at a time.

This month i have the following to pay:

RBS MC 1 minimum payment
RBS MC 2 minimum payment
TESCO minimum payment
DEBENHAMS minimum payment
MBNA minimum payment

RBS loan payment

Money to put away for all my savings and also the £25 i didn't put away last month for my MOT savings.

Seaxwyn i had a great day at the wedding the photos are still on the camera at the moment but i will get them on my facebook page at somepoint.... i thought i looked ok at the time but now looking at the pics i feel a bit fat and frumpy but am not going to worry about that cause i really enjoyed my day.

Am off to check my bank accounts now to see if there is any money to spare in any of them

Buddiebabe x

MrsPorridge

buddiebabe wrote: »

.. i thought i looked ok at the time but now looking at the pics i feel a bit fat and frumpy but am not going to worry about that cause i really enjoyed my day.

x

I can't believe you said that - that is so how I feel after a big event like a wedding or posh night out:D

buddiebabe

Hey MrsP thats how i usually feel before i go out so for a change i actually felt ok before i went out. I notice you have updated your signature and it looks great :T:T:T

I have made a payment of £1.00 to MBNA today (my PAD)

I have so much to do in the house and i wish i could find the time or motivation to do it but at the moment i really can't be bothered. Am on holiday from work next week and i want the house cleared, cleaned and clutter free!!! Wish it was as easy as writing it down but i know what im like nothing ever goes smoothly

Buddiebabe x

buddiebabe

I have just counted my change jar and there is £15.00 in it so am going to give it to my boyfriend off what i owe him so that means i have only £80 to go which is good.

I also realised that i have had a NSD today :j :j :j

Buddiebabe x

buddiebabe

buddiebabe wrote: »

I think i have left myself a bit short this month and am not 100% sure if i'll have enough money to get me through until payday on the 12th but i'll figure something out.... i usually do.

Well im right i have left myself really short this month. So far i have managed to pay everything that is due at the moment but i have also been off on holiday this week and while i wanted to get the house cleared, cleaned and tidied i have not done that much .

I went to bed this morning at 1am and didn't get out of my bed today until 12.30 :eek: i've not been feeling great this week and have been struggling to do anything so have been making the most of relaxing in a house thats a mess.

I have done the following this week some good some bad:

- Went shopping 2 days and spent a small fortune
- Went for dinner / lunch twice both paid for by my boyfriend
- Eaten so much junk food, sweets and rubbish that i have put on about a stone in a week :mad:
- Cleared out two wardrobes in my bedroom
- Flung out 4 bin bags full of rubbish
- Got rid of 6 bin bags of clothes to charity .... well via my sister who has rescued some stuff for her friends
- Looked out about 30 different outfits that can go on ebay that may make me some cash
- I have sorted out some cds for the music magpie website so when i get the packaging stuff through i should make about £10 from them
- done some competitions

So it's not been a complete waste of my week off but its not been the most productive either.

I have went a bit mad on the credit cards this month but only cause i forgot to lift my xmas money before i left work. If i had done this i think i would have been a bit more careful about what i spent the money on. As it is i have spent alot more than i wanted and not on xmas presents which has left me with the problem that i do not have all my presents yet but i also have no money to get them with.

Im already short in my bank and i will need to try and manage not spending any money this week and i have my night out with the shop on the 28th November which i would love to get my nails re-done for but it may not be an option if i cant find the money. I also want to get the rest of my shopping done for xmas but if i don't have the money i wont be able to. I really don't want to rely on my credit cards again but not sure what else to do.

At the moment everything that needs to be paid is paid and my mortgage isn't due until 1st of the month so should be able to get the money together for then... i hope!

Going to get the washing out the machine and get on with some tidying. Will try and update later

Buddiebabe x

buddiebabe

Hey

Well i've managed to get the hall cleared today. I have managed to get rid of another 4 bags to the charity shop today and i have another small pile of things for ebay.

Emptied the washing machine and have put another load on

Going to do some competitions then get some dinner

Buddiebabe x