By any means!!

cady

thanks flower me and OH will get by but i think its just setting us back again ive worked out since Jan ive only paid £169.22 off my debt and the way things are going its not going to get much more paid off anytime soon just ona bit of a downer for now.

Cady x

cady

Oh god what now!!! Well today is stressing me out already!!! Yesterday the boiler made a funny noise then went off and I thought it was the piolet light but no its saying somenthing about the fan!!! Well I rang the home emergancy people and I waiting for an engeneer to call me to book an appointment but we only get the 1st hour of labour paid for so I hope they can fix it cos if its gonna cost us for parts ect it will kill us!!! Its only 4 1/2 years old so I hope its ok but at the moment we have no hot water!!! Eeekkk!!! Stress!!! Got my freezer all cleaned up and waiting to switch it on but ive never had a freezer I have to defrost before so im thinking of trying those freezer mat things to see if they are any good but im not sure yet!!! Did another survay so there is another £3 waiting to go into my paypal xmas presents ect are on hold for now but ill still save all my internet money and vouchers towards it and I have some silver to go into my tin as its been neglected for a while might count up the copper and get OH to change it at work into silver to put in as we have loads of copper in the bowl at the moment - on a happier note I put on a top I hadnt worn in a while today and I have a nice little bump in it and here is me thinking im just fat lol!! Got my scan in a week and a half so dead excited about that too I hope all is well I cant wait - well im doing a count down in my diary to get us through till may payday and I get paid on the 29th may so gonna try my best and have as many NSD as poss I did pants yesterday and today but its quiet at work so will pick some and try my best as I have no money to spend lol!! Well I hope eveyone has a nice bank holiday.
Cady x

cady

well today is pants the boiler is still broken and no one can come out until tomorrow so still no hot water!!! feel like im in a hole at the moment and just cant think straight and work out what needs done money wise!!! ive worked out its 26 days till pay day today is a NSD as the 2 days before were not!!! i did naughty things like mc donalds and shop bought sandwhiches!!! so today im going to:

* [STRIKE]Fill my diary with NSD's[/STRIKE] aimed for 10
* [STRIKE]make a list of maternity stuff i NEED (not want!!)[/STRIKE]
* do a shopping list

erm that is all i can think of so far i may come back and add stuff in but i just cant focus on what needs doing!!!

Hoping the fog in my head clears soon!!

Cady x

cady

Ok this is my new plan -
I keep messing things up and doing what im doing is not working really as ive been going since january and my payments are all over the place ive decided that I cant pay off what I need to before the baby comes unless I have like £400 extra a month which is not going to happen and the way im doing things Is leaving nothing for xmas, brithdays clothes ect and I have to sort this out as need maternity stuff and cannot just cancel xmas so although I feel like a failure ive decided im going to re arrange my money im going to simplify things and pay £50 a month towards my debt and take it as it is …. Its going to take longer to pay off but im not doing well at the moment we have a baby on the way and id rather pay it all off slowely than mess it up everymonth like I have been doing and end up in more debt - I havnt paid much off since january but its cleared 2 small debts at leat and I can battle these ones too its just a shame I cant do it sooner!!!
So I have left:
Egg - £680
Halifax OD - -£600
Hoping to pay some more this month but if you have read upto now it’s a bad month so far so will start offically on 1st June 09 and ill take it from there off to play with the snowball calculater and see how much this is going to set me back.
Cady xx

Flower08

Hi Cady, your new plan sounds good. As long as you keep making your minimum payments you should be fine, and you need to concentrate on making sure you are sorted and prepared for the baby arriving.
Its not worth getting yourself stressed out for, so by taking a bit of extra time to pay off, you will probably find things become a lot easier.

Good luck!!

cady

Thanks Flower im feel bad its not working out but i need to sort my life out and its better than making it worse or burying my head in the sand so im going to do what i can and pay it off bit by bit im quite excited now actually!!!

cady

well worked it all out and my dfd was dec 09 but slowing it right down is making it dec 2010 .... well when needs must!!!

Flower08

December 2010 isnt too bad, if it means having a slightly easier time in the run up to the baby!

cady

well me and OH have sat and worked out the £££ (again) and i will be abale to mnage a lot more now - i have some money inmy bank to buy some maternint stuff with and some bits and bobs and will just plod on .... it is strange but i just dont have the energy to fight on so going to take a slower route and as long as im still moving forward then at least im heading in the right direction at least!!

Cady x

cady

Good morning!!!

God im up early again!!! not in work till this afternoon but still woke up at daft o clock!!! grr i hate it when that happens!!! well im setting up my standing order so the money is auto transferred into the joint account then what ever is left pays my phone bill and the rest i can chuck to my egg card hopefully £50 a month with my new plan this will be so much more managable snowballing says 16 payments to egg of £50 will make it go away im hoping to knock it down to less by over paying where i can but with going on maternity leave soon i may have to pay less but i will try to keep going at £50 but thats why i have put my new DFD as dec 2010!!! well i just have to keep going i feel really tired and cant be botherd with work but no work = no money so here is too another day!!!

Cady x