Buddiebabe's new beginnings....

MrsPorridge

Buddiebabe - I like your plan of working to the smaller debts first. You are so right about the psychological boost as well - to be able to say you have paid off one of your debts will give you a fantastic feeling.

buddiebabe

Hey Mrs P hows things?

Well yesterday i spent the following:

50p Pancake (cash)
£4.45 Morrisons (bread, rolls and flora) (cash)
£15.28 Superdrug (gift sets that were a bargain!) (RBS M/C 1 CC)

Total spend yesterday £20.23

I will need to repay the money used on the credit card as soon as possible but the bargains were too good to resist... honest

I listed some buy it now things on ebay and 3 of them sold so i made a total of £15.52 after fees.

I have repaid £3.88 to the wedding fund, £3.88 is in my account to pay into my wedding fund and £3.88 to my Santander account and £3.88 is in my bank account of which i have £3.66 available

I have paid £25 to my tesco credit card today but i still have £19.00 towards the minimum payment to make but until i get paid 2moro i cant make the rest of the payment but its not due until the 29th May so there is plenty of time.

I've booked the car in for a service next Monday and im scared of how much is going to cost. Im just hoping and praying that if it is expensive my OH will be able to put it on his credit card as i just don't have the available balance on mine at the moment.

Im working at the election tonight doing the count i just hope that it doesn't go on too long as im tired already!!

Am going to just relax and watch some tv and read some of the posts on here

Buddiebabe x

MrsPorridge

I'm good thanks Buddiebabe - Ebaying like crazy - made £200 last month from Ebay and one car boot. Have enough stuff for another 2 car boots at least so hoping to do one this Sunday weather permitting. Have 12 items listed on Ebay and aiming to list at lest 2 items per night.

I've also started Weight Watchers again. I am not going each week but have bought the books off Ebay and am following it myself - I started on Monday and surprisingly I have stuck to it. The diet has changed as carbohydrates are now taken into consideration and its more Atkins type based - which also means you can eat a lot more. So far I am finding that I have quite a lot of points left over in the evening and can then indulge in a "supper" about 9 pm which is my danger time. With the old programme I was always right up to the knuckle with my points but this one is great - so far! A girl at work is doing it going to the classes which also helps as she can advise me and we can keep each other motivated.

buddiebabe

Hey MrsP thats good about the ebay and the car boot sale. I really can't get motivated at all i have spent all day doing nothing im working at the election tonight so took the day off to relax but all i'v done is sit on the couch watching rubbish tv and eating!! I can't stop eating which is doing nothing for my weight.

Im finding i hard to loose any weight but if im honest im really not trying! I have been walking everywhere but am eating rubbish so its not really making much difference. I now need to loose 1st and 8lbs and i need to do it asap. I also need to tone up as the wedding is only 19 weeks away and i don't want to have bingo wings in my photos!

Im going to make another coffee and then i need to start thinking about getting ready.... Im supposed to be wearing a smart white top tonight and i don't have one. The only thing i can find is one of my OH's white t-shirts so will need to wear that as i know i don't have anything else... my only worry is that im going to be freezing tonight and im going to be sitting for around 9 hours and if im not allowed to wear a cardi i'll be freezing... what to do???

Am away to raid my clothes to see if there is anything more suitable!

Buddiebabe x

buddiebabe

Managed to find an old work top (which is quite like a t-shirt) but i will also wear a vest underneath it so that im not too cold. I'll take my black cardi with me.

I was really looking forward to this election count all week but right now i can see it far enough!

Im actually feeling really quite down and depressed at the moment which is not good especially as after tonight and 2moro afternoon im officially on holiday for a week but id rather be at work which is not a good feeling.... i'v been looking forward to this break for ages but all i keep thinking is that i should have been at work cause when im at work i don't have to think about what im going to do or the state of this house!

Anyway enough self pitying going to go see if i can find something funny to read for a bit

Buddiebabe x

buddiebabe

Hey

Sorry i've not updated in a few days... i've been trying to recover from my election counting! It went on till 8am when originally they said it would probably finish at 4am then 6am OMG it was just so long and drawn out.... it has messed me up for the last few days!!! Am still shattered!

Anyway am hoping the £132 will be worth all the hassle, although i've booked my car in to have a service on Monday so am guessing the full £132 and then some will disappear to that!

It has not been a good start to my holiday so far! My sister went out on Friday night and is now in hospital being operated on to put together her ankle that she broke with a metal plate and screws so spent yesterday running around primark trying to find a nightdress that would fit her and spent a total of £31.50 on my credit card cause i know she has no money and i didn't have any either!!! I also know im not going to get this back now

When we were at primark OH decided to reverse the car into a wall :mad: but luckily car, OH and wall are fine which is more than i can say for me cause i think i've hurt my back and shoulder when the car hit the wall.... (am going to get the garage to check out the car on Monday just to make sure there is no damage underneath - the bumper on the car is quite solid)

Its not been the best start to my holidays

I've just spent the last hour or so working out my finances and it works out as follows:

Every month i need to pay the following:

Direct Debits £685.00
Debt Repayments £770.00
OH repayments £30.00 (for car ins and gas bill)
Savings £45.00 (for xmas and tv licence)
I also have wedding fund payments to make but am making them out of the money my OH is giving me so i havent included them as outgoings or as income.

So total outgoings (not including petrol or food) are £1528.00 a month

Income:

Main Job £1050.00
2nd Job (based on 16hrs) £328.25
Money from OH £65.00

So total income (not including all money OH gives me) are £1443.25

which leaves a shortfall of £84.75 a month which is actually not as bad as i first thought.

My OH gives me an additional £30 a week which we are using for food.

So i still don't have enough to live on every month but its not as bad as it was so i feel like im finally getting somewhere. I still don't have money for petrol every week or to buy anything else but i will continue to use my credit cards and ebay money when needed and hopefully even thought the debt may go up by a few pounds every month as long as im paying something off and its going down every month i will be happy with that.

Once the weddings over i will have enough money to get petrol every week and still nothing left over but i will be managing to break even which is going to be the first time ever which will also mean that any additional money i get in wages or through ebay i will be able to use for me!!! OMG that will be amazing... well actually i will have to put it away for using for the house or the car but at that point i will actually be able to do that!

Wish September would hurry up now!!! but then again so much to do for the wedding... maybe its better its still 19 weeks away today :eek::eek::eek:

This week is supposed to be for wedding related stuff and so far i've done nothing... well i've sorted out my finances so can't really say its nothing!

I put all my details into the snowball calculator today, new balances, correct interest rates and minimum payment details and also £770 a month and it has brought my debt free date down to 49 months if i pay the debts off in interest order which would be June 2014 or July 2014 if i pay them in balance order so not a great deal of difference about £190 interest... so will see how things go!

Id better think about getting up as am going out with friends for dinner tonight at 6 and i think they'll be coming up to the house after which means i need to get the place looking presentable.... oh i really should have started this yesterday!

Buddiebabe x

buddiebabe

Hey

Well i have well and truly fallen of the MSE wagon im so fed up with everything just now. Im really not looking forward to updating my monthly amounts as the way it stands just now i have managed to increase my debt by (rough estimate about £400) this month!!! :eek::eek::eek::mad::mad::mad:

I don't even want to start to work out exactly how much it really is incase it is worse than that!

Im going to get ready for work just now and will probably update 2moro once i've sat down and worked it all out!

Hope everyone else is having a better time of things!

Buddiebabe x

buddiebabe

Well things have gotten so much worse since i posted last night! I have managed to add another £1000 to my debt and i actually want to just run away now but i have two options. Put everything behind me and start again or just keep plodding along.

I am thinking that a new diary may be in order as i honestly don't want to think about some of the things on here....

I have to make a decision.... start again or keep going.

I think starting again may be the best way to go

I feel a new diary coming on!!!

Buddiebabe x

Seaxwyn

Oh no, sorry to hear things are hard at the moment. Please don't go away - post on this diary or start a new one, whichever feels best, but tell us what's going wrong. Big hugs.

buddiebabe

Hey Seaxyn

I have started a new diary its called buddiebabe begins again. I've sent you a pm

Buddiebabe x