By any means!!

cady

Snowy Monday!!

well im still in bed its too cold to get up and im off work till my scan so im resting it up lol!!! Thanks for popping in miemie and Flower08 today i have nothing planned really im going to go to the Drs for my sick note and pick my mam and dad up as they have been on holiday and are coming back today and thats about it i have a few online transfers to make just sending money to the joint account then ill know what im left with. My friend is coming home from spain for a week so it will be nice to see her so might have to try and think of some mse cheap things to do im off to have a look at 241 voucers for lunch out and i already have a cinema pass so i get in free then usually offer halfs on there ticket too so that wont be too bad ill see if she will brave the cold and come out in the snow lol!!

Oh i forgot to add ive had to 2nd chance my ebay item as the person was messing me around with payment so if not ill re list it .... i hate that you cant leave neg feedback anymore whaich sucks as they were a total waste of space!!!!!!!!

Have a nice day everyone

Cady x

Tixy

Hi Cady

How did your scan go Weds?

cady

good morning!!!

Sorry i havnt been on for a while ive been feeling a little yuck!! well wed went great saw a little bean with a heartbeat but they have said im only 6 weeks not 8 like i thought so feel a bit gutted ive been put back 2 weeks but i suppose i will have to deal with it... since it was 6 weeks we decided not to tell people yet (if it was 8 we would have) so were now going to leave it until my 12 week scan to tell people. Its still just sinking in really we kep looking at each othe rdaying "your going to be a daddy" ect lol but its getting there we have worke out our money too as we have got the money to pay off all our joint debts and will have £300 left so will use that to start our baby fund with and save a little each month too so its looking well on that front!! on my finacial side im not doing too good this month i have £14 left till the end of the month which is REALLY bad ive paid everything but only the min hopefully when my quidco and ebay money comes in it will help clear stuff off ive had to relist my item and the buyer last time just was stringing me along so i hope it does well(4 watchers no bids yet tho) and i pray my quidco money comes through this month as ive been waiting since november for it !!! Grrr stupid thing .... i know im not doing very well this month and its getting me down really but i know i can do better and i will do

cady x

cady

good morning!!

Ok well sorry its been a while im trying to get back into routine and its still not working lol, im at the wonderfull morning sickness stage so im just groggy and tired a lot at the moment ..... well here is what is happening i had to relist my ebay item as other buyer wouldnt pay it only sold for £41 (last one was £56) + p&p and got £14 off quidco too... had to pay £5 odd in ebay fees and paypal have took some off my too so ive got a grand total coming into my bank of £53.69 which is better than nothing really!!! so that is getting chucked at avon whoop whoop and ill scrape the rest so that is gone!!! so one down nearly!! and my bank charges im refusing to pay as they have charged £63 for 52p so i rang today and they will do nothing and so ive wrote a letter to them which i will post with ebay item later today .... i know its debt but im not busting my a$$ paying off something i didnt rack up so im not and as its only a secondry account i dont use it at all the can do what they want to it (is this a silly idea??) ok so then im gonna tackle egg its gonna be slow as have a trip to London to pay for, car tax, BF birthday and 2 BF's birthday and mothers day coming up but hey ill give it a go !!! im hoping the EGG ppi claim will come through im sure they said ill here in 28 days and that was a while ago so i will chase that up today aswell.

If all goes well ill have:

* avon paid off
* bank charges refunded
* PPI put back onto my egg card to lower the balance

but anyone who reads this diary knows things dont usually happen like that for me so ill just keep plodding along and hoping for the best.

Off to take the bank charges off my siggy now !!

Oh just realise my avon is £54 so i have enough to pay it all YIPPEE!!!!! bye bye avon debt!!!

Cady x

cady

good afternoon well things are moving but are not moving as they had planed .... i got my Egg PPI back £161 and me and OH have decided to put this into the savings account for the baby so good stuff there, i have written a letter about my £63 bank charges which im going to post today along with the ebay item a little behind on stuff lately and i have 2 more items to go on ebay not worth a lot but ill put them on and see how they do.

Well what is really bothering me at the moment is im off work sick (evil nasty all day sickness) and im stressing how we will cope financially as i only get SSP we have a little money put aside for the baby but i then worry how we will replace this if its gets spent its really stressing me out ... ive recieved the transfer from quidco and paypal so have £56 in my bank which was gonna pay the avon off but im frightened to do this now incase we need it to pay bills ect im gonna try this afternoon and see if i can work out a budget and priority list of bills we must pay ie prepare for the worst case and then see how it goes, OH got his CHQ through so all the joint debt has been cleared off i just really dont wanna have to start again and borrow to pay things and i cant help getting really stressed about it im thinking of just going to work and being ill all the time but OH says no as it will not do me any good i could cry ... sorry that just came out im getting well stressed and worked up over things i think ill go away and do some maths and come back.

Chat later

Cady xxx

Flower08

Sorry to hear your not feeling great about money aspects today. I know its easier said than done but try not to worry, like your OH says you shouldnt be worrying throughout your pregnancy, it wont do you any good!
Have you made sure you are getting all the benefits etc that you are entitled to?
Why dont you sit down and make yourself a budget based on the income you have at the moment. I am sure if you post it on here many people will help!!

x

cady

Thanks flower!!!

i havnt been on for a while still a bit under the weather and sickly at the moment im back at work on thursday so that will help ..... were not entitled to any benifits at the moment so its just us im worried were not gonna have enough money but at the moment i just dont have the enery to worry about it will see how things go for now .....

sorry its not a long post just popping in to check up on things

Cady xxx

cady

Ok here we go ......

I have been putting off writing in this for weeks and using excuses to get me through the guilt ..... well im not doing good at all, so here we go ill bare all....

i claimed my egg ppi back and me and OH have both got out £££ off accident this has paid off all our joint debt (£1300 loan £870 CC and £500 OD) we have spent some too (not even sure how much ) on some meals out and treats (not MSE at all) and now were in a "dip" not quite a hole but bl**dy close ..... i have been off work for 5 weeks as i have been ill during the early weeks for my pregnancy and today is my first day back i have lost £300 of wages due to SSP and will only because the OD has been paid off the joint account have we been able to pay the bills .... im not 100% sure of the extent of the damage yet as i havnt dared to look me and OH are going to sit and look through when were both off next week and see what is going on. We were supposed to have enough to pay the debt off and then the rest was going in the savings account as a baby fund i fear this has been fritterd away and were now using the joint account overdraft again (how stupid can i get???? were having a baby !!!!!!!!!!) i can tell its bad as i kept dismissing it and not stressing about it and that is a bad sign for me as the less im concerned the worse it is!!! im also meant to be going to london to see a friend in april and i dont have any money for the train or spending or anything!!! i dont wanna cancel as my friend has bought tickets to 2 shows and id feel so bad .... i might get the mega bus again £1 cant go wrong but a pregnat girl on a bus needing to pee from newcastle to london sucks which is why id rather get the train ..... there is no overtime going at work so i cant make my money back !!! oh and it gets worse i didnt pay the avon last month or this month so im behind with them too i just feel like im in a hole and i start with such good intentions and then get sucked in to beliving i can mange when i blantly cant i need a new direction and a new start but i cant see the wood for the trees at the moment im not sure what to do!!!

sorry it was a rant but before i can even tackle this i need to be honest and face up to it xxx

cady x

Flower08

Hi Cady well done for admitting to yourself before things get any worse.
Try not to beat yourself up about things, easier said than done but it will not help at all. I have been in a situation myself where about 6 months ago i could of paid off the vast majority of me debts, but unfortunatly most of the money was frittered away! I beat myself up for weeks, before i realised there was nothing i could do about it.
Once you and OH have sat down and worked all the finances out you should be able to come up with a plan of action.
Good luck - and please remember try not to stress too much, its no good for the baby if you are getting stressed. Chin up and big hugs
x

cady

Thanks Flower you seem to pop up at just the right times!!! i think im more worried as i dont know how bad the damage is i could kick myself for being so stupid but i now need to move forward again, i need to get started again and fix this mess im in as i need to learn to sort this before baby gets here (and im a real responsable adult!!!) i just cant find the motevation to move forward and im not sure whrer to start this time ???

cady x