My diary - My ups and downs

smarties84

Thanks i never thought of that, why would someone be so nasty and report me when like you said others have/do use those words! Anyway i have relisted it and it ends tomorrow - i removed those words, so shall see what happens tomorrow!

Well today i am really fed up, i seem to be more skint now than ever before. I had to borrow £150 from DP and then today i was still overdram and had to find £76 from somewhere, asked the bank if i could have a bigger over draft and they said no, i explained it was charges due out and i didn't have the money, can they stop / change the date of the charges and apparantly not, i said what else can you suggest? They said nothing can be done basically. I have so much with them, 3 accounts, house insurance, loan etc and they were not helpful. However that was the bank in a different town to where i usually go, they are normally helpful so i had to borrow £100 off my mum. I am so annoyed, i get my child benefit this week which will be put into mums bank to pay that back and then i will be £80 short for this months bills coz i had to give mum that ££ back do you understand what i am saying? There is no way out, i cannot even afford to pay my bills really let alone petrol and food, i cannot cut back nemore than i have and i just don't no wot to do. IF i had money for my bills and petrol and food and nothin left over i would be happy,i am not asking to much am i? I hate been in debt i really wish i never got myself into this !!!!!!. I currently have 2 loans, i got the last one out 4 months ok and paid all my credit cards off and then i used them all again, so now i am paying more. Do i try and get another one final loan and definitly cut the cards and hope the payments work out to be cheaper then or do i plod along, i dont even no if the bank wud help me again. I no its an easy way out but at least then i maybe able to afford food!! God how desperate do i sound!

Pips_Mum

Oh bless you Smarties, its s***e being in debt isnt it. We are exactly the same this month, I had to borrow ££s from my mum just so we could put some credit on the gas and electric meters couldnt even afford the necessities like that. Dont understand as its a shorter month so you would think we should have more cash free?
It will get better, I know it will. We have all had our LBM so are on the road to improving our lot in life, hang in there!!
I also did the same with the loan/credit cards. I cannot get another loan now as I tried to consolodate again but no one would lend me it.
Love and Hugs x x

smarties84

HI pips mum, thanks for taking the time out and replying to me. I am sorry you are going thru the same this month, i dont no if ne one will lend to me again, probably not. I have to do something, i have even looked at another job to do along side the one i have but i am torn coz obv wanna be with my dd as much as poss, but i also want to have some £££ to give her a better life. Its soo hard isnt it!!!

Is ur little man okay?

I am going for a shower then bed but will catch up with u tomorrow and the others diarys xx

natsplatnat

Morning Smarties!!

Sorry to hear you are feeling fed up at the mo. I'm sure things will brighten up soon enough! What was the outcome on the DS? Did it sell?

I am snowed under at work, but just wanted to pop by quickly and give you a hug!!

Nats x

mummy2mygirls

hello smartie - sorry to hear yo are having a tight mth!! Hopefully things will get better, like pipsmum said we have had our LBM so you would think things can only getting better as we watch what we spend etc - but its going t be a long road!!!
I had the same thing on ebay - was selling a bumbo chaire (wish i hadnt now as will needit again...ohwell) and they stoped the auction because i put as new!! i see itall the time on there now. How is it selling now?? hope it covers the bill you want..
xx

smarties84

Hi everyone, well the DS sold tonight for £89 so thats good. Paypal won't release the money until the buyer has received and left me positive feedback for some stupid reason, so i might not have the money in time for the bill. May have to use DPs credit card and then pay it off his credit card. He did a balance transfer on 2 of his cards tonight, so 0% for the next 12 months, then he has one with £300 on and one with £600 on. I am soooo pee'd off and down still about the whole money thing, one day i would like another baby - next yr i wanna start trying and at the mo, i cannot see me been ne better off than wot i am now! Ne way tomorrow is a day off and taking dd to a new baby group, haven't been to one since she was a few months old, so am going with my mate and her twins and then to the docs coz i need to order some new contraceptive pills, i ave to see the doc, they won't just give me them! madness.

mum2one

Thats typical of doctors, espically when ur in a rush.

Thats good news that ds sold and a good price, guess paypal are golding on to make sure the transaction goes through ok, even if u have to use DP card, its an emergency use, its not as though ur heading down to London and hitting Oxford Street.
I know what you mean about the money, it seems to be pay Paul, pay Peter, balance here, but no major dents getting anywhere, it will come in time, ur doing brilliantly you only have to look at ur sig and you can see the difference in the right direction.
Hope the baby group goes ok 2mor, u keep ur chin up, and dont worry about ur financies in 12 months time, coz the mo your going the right way and thats what you have to remember, and also as the old saying goes Rome wasnt built in a day and debts werent cleared overnight. xx

natsplatnat

Hi Smarties - haven't been pass you diary for a few days, so thought I would just drop in and leave you some hugs!!

Hope the job is ok and you are all well? Nats x

mummy2mygirls

hi smarties glad the ds sold - guess the paypal s because of thegarente they ofer th buyers o they wnt o check they et it first. dont worry to much about the cc atleast you know you can pay it of once you get the paypal money.
Have fun the baby group tomorrow!
x

smarties84

Hello, thanks for coming to check up on me! I haven't been about much, have been at work and shattered at night so been getting early nights. Have had a lot on lately and things have been quite bad but hopefully i'll get there and things are getting back to normal. I have no idea where i am with money and getting debt free, just seem to be plodding along and i don't ever get chance to sit down and check things out. New job is ok, just ok not great but its a job! Am still looking for something closer to home tho. I am shattered, i am reading ur diarys but haven't had chance to reply yet, i will tho i promise xx