Buddiebabe's new beginnings....

buddiebabe

Well i walked to work which i actually quite enjoyed but am starting to get really tired at night which is not good.

I came home and had my dinner. I wasn't as good as i could have been i had some butter on my baked potato and some cheese.

I have also spent some more money tonight. I spent £1.12 in Tesco i bought another sweet chilli chicken dinner for in the freezer and also 2 chicken and mushroom pies that my fiance is going to have for dinner for 6p each!!

I don't feel very well just now (probably lack of chocolate and crisps) so am just sitting watching some tv and i still have my list of things to get done but whilst i was making my dinner i have also made my lunch for 2moro.

Im really not in a very productive mood tonight so am going to go for my bath and then see if im feeling a bit better

Buddiebabe x

buddiebabe

Hey

Well yesterday wasn't a very good day diet wise. I had the following to eat:

- Bagel with phili
- 2 ham sandwiches on weight watchers bread
- tin of weight watchers tomato soup
- packet of sour cream and chive snack a jacks
- sugar free orange jelly
- ham sandwich
- sweet chilli chicken and noodles
- piece of chocolate birthday cake
- packet of dutch edam walkers crisps
- 8 segments of a chocolate orange

So things weren't that good last night. I did go to bed last night at 1130 instead of after midnight and i've had a nice long lie this morning and am feeling a bit better today.

Yesterday i spent the following:

- Tesco £22.80 (petrol)
- Superdrug £2.11 (2 packs of paracetamol, savlon wipes and No1 Magazine)

So total spend for yesterday was £24.91 which wasn't too bad but i have filled the car up with petrol so i won't need to do that again until next friday.

Today i will need to buy some shopping as although we have stuff in the house there isn't really anything healthy but i might just eat what i have in the house cause that would be good for saving money but not good for the diet.

So far today i have had 2 slices of weight watchers bread toasted with philidelphia and a coffee. I start work at 12 so i really need to get a move on and get dressed

Buddiebabe x

buddiebabe

Good Morning

I hope the weather where everyone else is is better than here! Its torrential rain and the wind is really bad too i just hope our new fence and shed can deal with the wind... cannot afford for it to get damaged!

Well here's yesterdays food intake update:

- ham and cheese sandwich from tesco light choices range 4 1/2 pts
- 1/2 a small tub of fresh pineapple
- 1/2 a pizza garlic and cheese bread (not the best thing i could have eaten but it was really tasty!)
- 2 pork steaks, savoury rice and 3 potato croquettes and some cheese

So although i was bad by having the cheesy garlic pizza bread and the cheese with the savoury rice i didn't actually have that much to eat.

Yesterday i spent the following:

- £2.90 in Tesco (ham sandwich and pineapple pieces)
- £0.59 in Superdrug (Evian Water)
- £5.00 for work lottery
- £12.50 for monthly 2nd job lottery & birthday fund
- £10.50 in Morrisons (chicken, bread, pizza bread, 2 large yorkshire puddings, cold meat, potato croquettes, pork steaks, savoury rice and vegetable oxo cubes)

Total £31.49 spent

Yesterday i paid the following towards my debts and things that need to be paid this month:

- £15.00 to house account
- £33.20 to car account
- £10.00 for car payments
- £13.50 TV licence
- £0.47 to RBS M/C 2
- £0.53 to RBS M/C 1
- £0.53 to Debenhams
- £0.53 to MBNA
- £0.53 to Tesco
- £0.53 to Santander

So managed to pay out £74.32 yesterday. I have £20.00 in my purse and £60 in my bank to last me this week which is not bad

Got to go to work now start at 10.30 and i better move

Buddiebabe x

buddiebabe

Well not too sure where to start. I've been working non stop and am looking forward to my first full day off in 21 days which is 2moro!!! :j:j:j am so looking forward to spending most of the day sleeping. Only one problem that i can see with that is that i haven't done any housework in days or weeks for that matter so i should do some of that but then again we will just need to wait and see.

I need to go to Morrisons 2moro and do the weekly shop but i want to do it with a list and i have a voucher for £5 off when you spend £40 so will need to count up how much am spending too. I want to try and get as much as i can with the money as things are going to be really tight over the next weeks, month, year.

I got a letter from the bank telling me that the interest rate on my overdraft is going up so i have used the money from the wedding account to clear the overdraft and also to clear my santander card. I've decided to pay off the overdraft and get it taken off my account which is going to save me £5 interest a month and im going to get my account reduced to one that i don't have a monthly charge to pay which should save me another £7 so far i'll be saving £12 a month. My santander card interest is only around £5-£7 a month but my payment is usually £10 so i'll be saving another £10 in minimum payments. So my total savings will be £22 a month but it's going to cost me £100 a month to do this as i need to pay the money back into the wedding account i just hope that im motivated enough to be able to pay this back. I should do this and its only £25 a week for 52 weeks so am going to do it i know i am!!!

I have also reduced my sky package from £47 a month to £22 which is another saving of £25 so these things will all help.

The other thing is that if i don't pay the money back into the wedding account i won't be able to get all the things i want for the wedding which is going to be motivating enough for me to pay it back!

Not doing so well with the diet but i have lost 2lbs since i started but don't expect to loose anything this week as i've been eating like a pig all week!

Buddiebabe x

MrsPorridge

Hey Buddiebabe - hope you had a lovely day off today.

Well done on your 2 lbs weight loss. Well done on reducing your Sky package etc.

buddiebabe

Hey MrsP hows things with you? I've had an ok day today. My OH took me out for breakfast....well it was our 1st meal even though it was 1pm.

I managed to get a long lie this morning i slept till just before 12 i think i needed it. Im still really tired tho .

I've hardly done anything all day apart from go to morrisons and do our shopping we have something for dinner for most nights this week and plenty of juice so we shouldn't have to buy much if anything during the week. I did end up spending more than i wanted to but it is all stuff we will use and not junk either so its mostly proper food.

I have listed 3 books on ebay today it is unlikely that they will sell but at least i feel like im doing something. Haven't done any housework yet and its unlikely that i will now i really can't be bothered.

Buddiebabe x

MrsPorridge

Hi Buddibabe - things not too bad. Moneywise not very good though I need to get my spending back under control as I am now using my OD and don't want to.

Positive things:

going to do a boot fair next week - weather permitting
start aiming to have as many NSD's as possible
try and start using my own diary again

buddiebabe

Hey

MrsP glad to see you have started using your diary again thats always a good start. I really need to take my own advice sometimes!!!

Well i took a holiday from work today and i had so many things planned for the day and i didn't manage to do most of them. So today i did the following:

- went to hairdressers and got my hair cut £28.00
- went to bank and underwent a financial review of my accounts which was hilarious i knew more about what needed to be done than the advisor did.... he was trying to get me to take out a loan that would have made me worse off and that i wouldn't be able to get anyway. I then asked if he would cancel my overdraft and put the account back to a basic account which would save me £6.95 a month i also told him about this website and quidco which he said he'd look at when he got home!! It was laughable :rotfl::rotfl::rotfl:an hour of my life that gave me a perverse sense of satisfaction that i helped out my banks financial advisor by telling him about MSE and saved myself some money and reduced my outgoings and debt at the same time!
- paid off my overdraft and now only have £100 available which is interest free :j
- paid off my santander card :j
- went for a 3 course dinner with my fiance tonight which didn't cost me anything as we had been given a voucher as an engagement present
- paid back £25 to the wedding fund only another 51 payments of £25 to go

Im glad i have finally paid off my overdraft i used the money out of the wedding fund to do this but i feel that it is the best way for the money to be spent as now its been paid off and is no longer available to use i hopefully will be able to manage my money a bit better now.

I have paid everything that i need to pay this month and i have 2 wages from my 2nd job still to get and also £75 from my fiance next week.

The weight i have lost has all went back on now but i will start my diet again on Monday and i will buy healthier food on Sunday when i do a big shop.

I have managed to relist 7 books on ebay but nothing new yet and none of them are selling. My mum and sister are talking about doing a car boot sale on Sunday (im working or would go myself) but they have to use my car so am hoping that they will take some of my stuff with them so i can maybe get some extra cash from that!

I have also decided that i normally always pay my credit card bills the day that the statement is issued and it usually leaves me short and looking for money so im going to try and go back to the way i used to sort out my money. Im going to take any money i have after i have paid my direct debits and standing orders out the bank and put it in an envelope and pay the bills once i have the money and also not the day they are issued i will pay them before they are due but am not going to leave myself short to do this.

Im hoping that im going to be able to start getting myself sorted out properly. I haven't used my credit card now for the last 2 months and thats why things are such a struggle but am trying to keep going.

I'd better get to bed cause am back at work 2moro and i don't have another day off now until a week on Sunday

Buddiebabe x

mrs_deadline

buddiebabe wrote: »

Hey

I then asked if he would cancel my overdraft and put the account back to a basic account which would save me £6.95 a month i also told him about this website and quidco which he said he'd look at when he got home!! It was laughable :rotfl::rotfl::rotfl:an hour of my life that gave me a perverse sense of satisfaction that i helped out my banks financial advisor by telling him about MSE and saved myself some money and reduced my outgoings and debt at the same time!

Nice work, you are more brilliant than you give yourself credit for, Buddiebabe xxx

MrsPorridge

Hi Biddiebabe - I love the bank story - it gave me a chuckle

Well done on paying your OD off. If you check my diary you will see things are dire for me in the OD department!

I'm looking forward to the weekend as I don't work Saturday and Sunday (if you don't count housework ) Aiming to do a boot fair on Sunday weather permitting - although to be honest I really don't have the enthusiasm to do one but the money would be useful