Buddiebabe's new beginnings....

buddiebabe

Hey

Wish i knew what i was doing then i could maybe figure out how to do it every month. All i know is that when i pay my loan every month it is the only thing that keeps me reducing the debt even if it is only a little at a time.

As far as the wedding goes my biggest downfall at the moment is wedding magazines which are nearly £4 - £5 a time and i find it hard to resist buying a new one everytime they come out I have seen the most amazing wedding planner on ebay and i want it so bad..... only problem is its £100 :eek: i don't need it i know i don't but its like a drug i have to look at it every time im on there..... i was going to try and justify buying it by saying if i don't buy every magazine thats out i would have enough saved up for it within 5 months or less but i know i wouldn't put the money away for it.

Im being really silly wanting it but its the same with everything i see i want it now. Part of me wishes i was still gambling.... now i know its really stupid to think like that but im being honest.... if i was gambling i would have spent £500 - £1000 over the space of a few nights without even thinking about it and now im torturing myself because i want this book and deep down i know i cant afford to get it. Which in turn makes me want to gamble to win the money to get it..... does any of that make any sense?????

Sometimes i just want to scream!!!!

Buddiebabe x

buddiebabe

Hey

Well i ended up taking a half day off work today as i was feeling really really sick.... am still not feeling great but i feel better as im at home now with no added pressure of people asking me questions all the time. It's a bit of a waste of a half days holiday but i didn't feel like i could stay at work.

Im lying in bed trying to sort out some paper work. I've been feeling really down this last week and i have been struggling with not gambling.... i haven't done it but it's been the first time i've really wanted to in ages which makes me mad but the fact that i haven't done it makes me feel a bit better.

I have managed to increase my debt so far this month by about £140 buying shopping and other things i wanted.... i have managed to resist the temptation to buy the wedding book although i have bought a few magazines to make up for it.....

I have listed a few things on ebay this week so that's quite good and i've had a few small sales which is enough to keep it ticking over and to have some money coming in.

Oh good news my mums house is sold :j only problem is im really upset by it and whenever anyone talks about it i want to cry i feel bad for feeling like that but i can't help it.

Im going to see if i can get to sleep for a while

Buddiebabe x

MrsPorridge

Hi Buddiebabe - I hope you weekend is going OK? Do you and your fiancee have anything planned for valentines?

DH and I are going out to have a lovely breakfast at any American style diner. I will have pancakes (not much good for the waistline). We don't buy each other cards and pressies, but its nice that it falls on a Sunday so we can spend the day together. My Dad is staying with us so he will look after DS. In the evening Dad is taking us all out for a Chinese

buddiebabe

Hey Mrs P hope you had a nice valentines day. I got some roses and im going out for my dinner tonight which will be nice. I was supposed to get my fiance the scotland rugby top which is £50 but i just don't have the money.

I had to get 3/4 of my exhaust replaced last saturday which cost me £180.00 and as i couldn't get to the bank to lift the money i had saved i ended up putting it on the credit card. I need to lift the money to pay back to the card but the other thing is that this month i haven't been putting away my savings for things like this so in order for me to do this im not going to be able to pay the money back to the credit card..... :mad:

I have also not been to careful watching what im spending this month and have spent a small fortune on things i don't need, want or will use.... especially food. I have wasted so much money flinging things out lately it really needs to stop.

I have been making some money on ebay but the bank has just been swallowing it up... i still have the following to pay this month:

- Debenhams (statement isn't made up till the 20th)
- Santander (statement isn't made up till the 22nd)
- House savings £50.00
- House ins savings £20.00
- Gas savings £45.00
- TV licence £13.50

It's not looking too good. The lack of funds is coming from saving for the wedding. I am only getting £75 a week from my fiance as the other £25 is going away to pay for the wedding. I know its not much but it's £100 less in my hand every month. I have been lucky that i have been able to make some of it up through ebay which is quite good but as i don't have that money available its not as easy to get through the week without spending on the credit card. At the moment my debt has increased by nearly £150 over the last few weeks which is not good. I need to get it down to £28500 like i wanted and i only have a week to do it. It's a free listing day on ebay today so need to get some more stuff listed. I spent part of yesterday listing but haven't done any today. Need to go to the banks and sort out my money first then get back home and get started!

Will update when i can

Buddiebabe x

Seaxwyn

Hi buddiebabe, what are your fiance's financial circumstances? Does he have any cash to spare? As now you are going to be married you can start looking at yourself as a financial unit, and there's no point in you struggling to make ends meet if he has money to spare?

MrsPorridge

Hi Buddiebabe - Seaxwyn has taken the words out of my mouth. DH and I have one joint account and all our monies go straight into that. What's mine is mine and what's his is also mine

buddiebabe

Hey thanks for the replies.... OH has no debt he gives me £100 every week for his share of everything.... excluding the mortgage, however, if he did have to pay towards the mortgage he would only have to give me an extra £5 a month.... as he is already giving me more than he should be.

He only gets just over £200 a week wages but doesn't have any major expenses apart from petrol, food and car insurance. It wouldn't feel right taking any more money from him.

Apart from that my mum has already borrowed most of his savings until the house sale goes through so he does have some savings left but it wouldn't be right to ask him for any more. He always pays half of any major repairs that need to be done so i cant really ask him for anything else. I know we are getting married and that the situation will need to be re-assessed nearer the time.

I wanted to have the debt gone before we got married but its just not possible. My fiance knows how much debt im already in and if he could do anything to help he would. I just don't want him to have to worry about money like i do.

So far i haven't managed to do any listing on ebay so better get a move on. I have had a few buy it now sales which is good and will mean a few more pounds coming in.... just wish there was a quick fix but i know that's not the way i should be thinking so am going to stop that way of thinking now!

Going to check my ebay account now

Buddiebabe x

buddiebabe

OMG!!!! I have just sat and counted up everything this month and i could actually cry. I don't have time to post just now as im shattered and need to get the bed cleared of paperwork cause my OH is wanting to go to bed.

If my figures are right i have actually reduced my debt by ..... wait for it...... a grand total of 54p I feel sick

I only wanted to get my debt down by £49.74 but i've only managed to pay 54p off the total.... this is not good...

i feel like i should be happy as technically i have still reduced my debt but if im being honest it has just made me realise just how much i have let things go by not keeping an eye on stuff....

Must do better.... will try and do a proper post 2moro (well later on today) must get to bed

Buddiebabe x

MrsPorridge

Hi Buddibabe - just wanted to send you a hug. Please don't be so hard on yourself - every 54p counts. At least you did not increase your debt.

Take care xx

Seaxwyn

I feel your pain! How disappointing. But it is still a reduction, even if only a tiny one. I have had many months where my debt went up, and I would have been glad of a 54p drop.

You know that you can pay off more than this on a good month, so just hold on til you get some energy back. Meanwhile, don't feel bad about things. At least you are not getting more into debt.