Buddiebabe's new beginnings....

buddiebabe

Thanks i wish i could feel more positive about it.... i know i should be looking at it as my debt still decreasing but when i think about how much money i spent last month it makes me sick!

I spent a fortune i spent over £200 on food £180 on 3/4 of an exhaust £125 on petrol and the rest on goodness knows what!!! I made over £400 on ebay last month which has all been spent as well.

Things really arent too good at the moment. The date of entry for my mum and dad having to move out their house is now a month earlier which means they only have 2 months to get rid of everything out the house and then they will need to find somewhere to go. They can't look before it as they don't have the money for a deposit or the first months rent. I have been trying to help out as much as i can.

Last month i gave my mum the money for her mortgage until she got her pension in as the dates are so far apart she did give me this back but i need to do the same this month 2 and i think that is one of the reasons why i have been spending like there is no 2moro. Im really worried about her. Things have got so bad that her hair has started to fall out you can't tell by looking at her but under the longer bit at the back there is a bald patch the size of a golf ball..... it really upsets me how bad things have gotten..... we're sure its just the stress of everything but im really worried. She's going to the doctors 2moro so i hope there is nothing major wrong and that they can maybe help.

I have to find the extra money to help her out cause i don't know what i'd do if anything happened to her. I can't have her anymore stressed or worried than she already is. If it means my debt goes up in the long run it will be worth it if my mums ok.

I can't update tonight as im shattered so am going to go to bed and will try and update again in a few days

Buddiebabe x

Seaxwyn

Poor you, you have a big burden worrying about your mum, as well as your own financial situation being so tight. It's no wonder you're stressed. Is your mum getting any help from anyone like the CAB or a counselling service, as maybe there is help for people in her position? How old is she? Is she old enough to get help from a body such as Age Concern?

MrsPorridge

Hi Buddiebabe - I'm afraid no advice to offer - except to send you some virtual hugs. I know its hard to believe at this moment, but things will get better.
xx

buddiebabe

Hi

Thanks for the support guys it means alot. Mum seems relatively ok with it all. The house has been sold and they have to be out in 2 months :eek: its so soon and it's all really been getting to me.... I wasn't working last night but popped in to see her at work and she looks shattered but is putting a brave face on things. Only problem is more of her hair is falling out. The docs have said her blood pressure is quite high so she needs to watch that she has another appointment to discuss the results of her tests but they say there is nothing to worry about.... can't help it though.

I went for a bath last night and just lay there and cried for about an hour even when i got out i couldn't stop crying resulting in some nice big puffy eyes for work .... which i really should thing about getting ready for I start in 35 mins and i need to walk as i gave mum the car so she could use it this weekend.

Im off out tonight i can't really face it or afford it but its been planned for a while so am hoping it will maybe lift the dark cloud thats hanging over me.

2moro depending on how drunk i get tonight i really need to make a start clearing some space in the house so mum can store the stuff she wants to keep here i don't even think they've started looking at houses to rent yet.... in fact i know they haven't cause they don't have the first months rent or deposit but am hoping my fiance can help out with that cause they will have money left once everything is paid off so they can give it back. I just hope things start getting better soon

Buddiebabe x

buddiebabe

Hey

Well here it is better late than never i suppose - Totals outstanding at 1st March 2010:-

OVERDRAFTS:

ROYAL BANK OF SCOTLAND £800.00 no change

LOANS:

ROYAL BANK OF SCOTLAND £7782.24 now £7531.20
HOUSE SAVINGS £170.30 now £70.00

CREDIT CARDS:

DEBENHAMS £1826.00 now £1760.00
MBNA £3890.00 now £3880.00
ROYAL BANK OF SCOTLAND MC 1 £7640.00 now £7568.00
ROYAL BANK OF SCOTLAND MC 2 £4555.00 now £4540.00
TESCO £1439.00 now £2000.00 :mad:
SANTANDER ZERO £447.20 now £400.00

TOTALS:
OVERDRAFTS £800.00 no change
LOANS £7952.54 now £7601.20
CREDIT CARDS £19797.20 now £20148.00 :mad:

TOTAL OUTSTANDING FEBRUARY £28549.74 now £28549.20 :eek:
Total paid off last month was 54p

Total paid off since 1st January 2010 is £334.08

Well at the end of the day i have managed to still reduce the debt even if it is only by the grand total of 54p it did mean that with all that spending i didn't increase it which has got to be good in a bad way!

Even the savings are suffering! I have the following put away:

House Account:

HOUSE INSURANCE £100.00
HOUSE REPAIRS £357.77
GAS BILL £145.00

Car Account:

ROAD TAX £85.00
CAR INSURANCE £60.00
MOT & SERVICING £165.66

TV Licence Savings Card £42.00

I really struggled to put this money away last month and as you can see the MOT and servicing savings have went down but that was due to having to get 3/4 of my exhaust replaced.... only problem was the money that i had in there i took out and ended up using the credit card for the exhaust which added to the amount my debt didn't reduce by.

I have the following saved for the wedding:

Joint wedding savings £543.18
My wedding savings £34.36

Its causing loads of problems with the usual savings and paying the bills and sorting things out on a month to month basis. I know i need to put money away every month so we can pay for the wedding cause if we don't it won't happen. I managed to sell a bit of stuff on ebay last month so i have been able to put money away for the wedding from that. I have also been putting £1 away every day (when i can remember and when i have it) which when i emptied the bank today i have £80 in it. So that will go into my savings account 2moro.

My night out last night went really well i go sooo drunk and had such a good night it was really good fun, good company and dancing.... i should have known that being sick half way through the night wasn't a good sign but no i just kept going. So anyway today has been a total write off I spent the first 4 hours of the morning being sick now i know i was drunk but i've been in worse states than that before and i've not felt the way i felt today since i was 19 it's been a completely wasted day and i still feel terrible... im not convinced it was just the drink. I had a curry last night and my mum and dad also had the same thing and they have both been feeling a bit ill today so am going to put some of the blame on Morrison's own brand curry!!!

Am going to try and get some sleep now as it's been a really long day. Sorry for the long post i just wanted to get as much down in writing as i could.

Buddiebabe x

buddiebabe

Oh just remembered i wanted to set myself a target for this month.... so here it goes:

1. Reduce debt by at least £49.20
2. Repay all the money back into the house account £70.00
3. If possible get credit card debt back under £20000

If i can do all that i'll be happy but as long as i can meet the first target i'll feel alot better about things

Nite nite
Buddiebabe x

MrsPorridge

Hi Buddiebabe - how are things?

buddiebabe

Hey Mrs P things are ok today am feeling alot better than i was and i have the night off tonight so i've just had my dinner and after i've checked my emails im going to try and attempt to tidy up some of the house.... not sure where to start tho!

The place is in such a mess i really need to get on with things just can't really find the time spend most of it watching tv or just sitting doing nothing. I really need to spend some time putting stuff on ebay.

Hows things with you?

Buddiebabe x

Seaxwyn

Hiya! Snap to the mess - I need to do some tidying up too.

buddiebabe

Yeah im still sitting on my big fat backside while not getting anything done.... need to move!