Buddiebabe's new beginnings....

Seaxwyn

Good luck buddiebabe - sending positive vibes for the new week. Good luck sorting out all the stuff from your mum's. If you want we could have a mini challenge this week as I have a target to clear a large chest of drawers that stands on our landing. It blocks the way and just accumulates clutter so I want rid of it. Some stuff will have to move into my bedroom but the rest I will sort into carboot/charity/bin piles. Do you want to do it as a challenge this evening?

buddiebabe

Hey Seaxwyn sorry i didnt see your possible challenge request until now and im shattered sorry! I was up at my mums again tonight helping her clear her wardrobe she had loads of clothes but not much that actually fits her so i was quite shocked at how much weight shes lost. I've spent tonight sorting through the stuff that i took from her house and have managed to get rid of a bin bag full to the bin, a bag full or recycling and another bag for the charity shop.

I've had quite an emotional night looking through my old school books and photos and just want to cry everytime i do. I feel drained. I was hoping that things would have been a bit better but i have managed to clear up some of the stuff that i brought into the house just have all the stuff that was here originally to get rid of! Im really tired and can't be bothered.... must get out of that way of thinking.... need to be positive!

Hope you've managed to get some stuff done.... if not im up for a challenge 2moro nite!

Buddiebabe x

MrsPorridge

Hi Buddiebabe - how are things?

I'm running a Sport Relief mile on Sunday morning - my challenge to myself was to actually run it, but I have not been motivated to do any preparation so will probably be walking most of it. Am not happy with myself, but hey I will still do it and will try my best.

Take care xx

buddiebabe

Hey

I don't really know where to start.... so i suppose i'll start with Friday.

On Friday we started clearing out the house, moving boxes, looking out stuff for ebay as there was the free listing day at the weekend. We thought it would be a good idea to empty the units above the bed and take them off the wall as they were overflowing and i was getting worried that they might fall off the wall due to the weight that was in them.

So we emptied them cleared the top of them and cleared below them. We then started to unscrew the first one which was fine until we got to the point of us having to unscrew it from the connecting one as soon as we did all 3 of them started to fall off the wall and started brining the wardrobe at the other side down with them. I got my fingers trapped between them but the worst part of all was that the middle one had actually come detatched from the wall already and was only staying up as it was attached to the others. We have now managed to loose all the storage space above the bed, above the units and a wardrobe. All of it has now been dismantled and taken to the tip.

What we have been left with is 2 bed side cabinets and one small wardrobe. There are holes in the wall where the brackets the units had been attached to fell out the wall, there are scrapes all down the wallpaper and damp where the wardrobe had been.

On Friday night i couldn't sleep as i kept dreaming that everything was going to fall on my head.... even though it wasn't here! I had to get out of bed and ended up sleeping on the couch so i could at least get some sleep.

Saturday i listed on ebay all day and I managed to get about 75 items listed. There is so much more that i could have got listed but ran out of time on Saturday.

Sunday i got up full of good intentions to get the rest of the clutter listed on ebay but something always comes up. I got a phone call from my bridesmaid to tell me to get down to a little town about an hour away from me where the marie curie charity shop was having a wedding fayre and they had been donated 50 wedding dresses that were designers from shops and they were going to be selling them from £50 also bridesmaids dresses and mother of the brides outfits.

So i talked to my fiance and we phoned his mum and we decided to go down to the shop. Me and future mother in law went to the shop and spent about an hour looking at the dresses.... we went for coffee then went back to try them on. I ended up buying 2 dresses..... which at the time i was so excited about but i couldn't decide about which one i wanted and i wanted my mums opinion so i decided to buy both of them :eek: for a grand total of £290.00 i also picked up a beautiful dress and jacket for my mum to wear for £40.00 brand new and it's gorgeous. I was so excited but by the time i got home i was having second thoughts so i took them into my work in the shop to see what the girls thought and they said they were gorgeous so i felt a bit better until i went up to my mums to try them on and now i feel so depressed.... i cant decide if i even like them anymore. I have got a horrible feeling i have made a mistake. Its not good i spent most of the night last night in tears thinking about wasting that money and how i could have saved it it means that my debt has increased by the £290 i have spent on the dresses... now they are good dresses by designers but i just don't know. I think i would be able to get some money back on ebay for them but i think i just need to wait a while cause if i didn't like them i wouldn't have bought them. They fit perfectly and don't need any alterations maybe just a hoop for under them so am thinking i should keep them and maybe later on this year go proper dress shopping to see if i find something else that makes me go wow! i have to have it.... i just thought it was too good a deal not to take them as i don't think i'd be able to afford a really fancy dress cause they are so expensive. One of the ones i got is by a designer who's dresses start at £1200 :eek: and i paid £140 for it.

Anyway im still off my main job today but am back at work in the shop tonight and the house is still a mess, there is stuff in the hall, all over the bedroom, kitchen, livingroom and in the bath with no where to put it all so it's shocking the amount of stuff i have in this house its so bad!

Im going to go get some lunch and then make a start on trying to get some order into the house.

Buddiebabe x

MrsPorridge

Buddiebabe - try and forget about the dresses and then try them on in a week's time. By then you will know whether you want to keep them or not. Don't be too hard on yourself - it was a good idea to try and get them and such bargain prices. You will be able to sell them on again I am sure if you need to.

Seaxwyn

I agree with Mrs P - keep them a while and decide whether you like them when you feel calmer about it.

Eek to the demolition! Hope it has helped you clear some space, now you don't have the cupboards to put stuff in!

buddiebabe

Hey

Well here it is earlier than usual but i know i won't have any extra money to pay towards the debts - Totals outstanding at 1st April 2010:-

OVERDRAFTS:

ROYAL BANK OF SCOTLAND £800.00 no change

LOANS:

ROYAL BANK OF SCOTLAND £7531.20 now £7280.16
HOUSE SAVINGS £70.00 now £62.03

CREDIT CARDS:

DEBENHAMS £1760.00 now £1690.00
MBNA £3880.00 now £3870.00
ROYAL BANK OF SCOTLAND MC 1 £7568.00 now £7487.00
ROYAL BANK OF SCOTLAND MC 2 £4540.00 now £4510.00
TESCO £2000.00 now £2300.00
SANTANDER ZERO £400.00 now £460.00

TOTALS:
OVERDRAFTS £800.00 no change
LOANS £7601.20 now £7342.19
CREDIT CARDS £20148.00 now £20317.00

TOTAL OUTSTANDING FEBRUARY £28549.20 now £28459.19 :eek:
Total paid off last month was £90.01

paid off since 1st January 2010 is £424.09

Well i have managed to pay off more than i did last month but then again its only £90.01 which is not good but its still going down so i should be happy.

I really wish i could feel happier about it but i just can't all i keep thinking about is if only i hadn't spent the money on those dresses my debt would be £300 less.

I still haven't managed to put all the money away for my savings this month so i still have a few days left this month but then again i don't have any money so will see what i can do

Im going to go to bed and try and get some sleep

Buddiebabe x

Seaxwyn

Well done! And once you decide which dress you prefer, you have a wedding dress to sell to raise some cash. I hope April is a good month for you.

MrsPorridge

Well done on paying off some of your debt this month. Its going in the right direction.

buddiebabe

Hi

I have spent this morning trying to sort out my finances. I didn't manage to put all my savings away this month so i have decided that this is now a new month and im not going to start worrying about how to pay these back. I haven't paid them and i don't really have any extra money i am not going to factor these in. I don't have the money to put it away so am just going to start afresh from this month.

The savings i have at the moment are as follows: (the amounts in red are the amounst i will be putting away every month)

House:

Gas = NIL (gas bill was £240 this quarter and i only had £145 saved for it) (£40.00)
House Insurance = £120.00 (£20.00)
House Repairs = £268.19 (£50.00)

Total in house account £388.19

Car:

Road Tax = £105.00 (£20.00)
Car Insurance = £90.00 (£30.00)
MOT & Servicing = £175.66 (£50.00)

Total in car account £370.66

I have also decided that if i don't have enought for using for one thing i.e. gas bill like i didn't have this time i will use money from the repairs part of the account to pay for it instead of worrying about where to find the money.

Im also going to try and keep a spending diary this month.... i always start off with good intentions but something always crops up!

So far this month i have spent £38.91 of which i only really needed to spend about £27.00 so will need to try and not spend any money on anything that isn't essential.

Wish there was an easy way out of it all but as there isn't i need to get a move on and try and figure something out!

Buddiebabe x