Burlesque Babe's Re-building life but back in debt diary

Burlesque_Babe

I don't mean to be deliberately harsh on myself (I'm not a work masochist or anything like that ) but I do have to remember that without all the hours, the bills won't get paid without a top-up from my savings and I can't let that thought go otherwise I'll be back where I was before I started this diary.

OH promised me he wouldn't be 'late' tonight......it's 8.15pm on a Sunday and he left at 8am this morning so as normal it will be the hour or so when he gets here, eats and falls asleep on the sofa........I guess I should have asked him to clarify his definition of 'late'...........sigh......I was really hoping he would be here for 7 .........it would have been nice for once

Burlesque_Babe

Ok.........end of the month review to try to pull some positives out of the bag.

- I had another interview (even though they didn't appoint anyone to this one either!)
-I had an interview offered to me, but I decided against going because it wasn't right
- I borrowed £100 of my savings but paid it back so for 3 months now have managed without dipping into them
-I've moved my £3955 of CC debt onto a LoB card with an APR or 6.8% rather than the 13/14/15% of the other 3 cards

I remember at the end of May being quite scared about how June would pan out money wise and to be honest I've coped pretty well. I haven't overpaid on my CC's this month so the situation is still keeping afloat rather than moving forwards.

However, July is going to be a different kettle of fish due to the fact my MOT and tax are due at the end of the month and my laziness over 2 weekends not doing AQA. This will mean I will definitely (barring miracles) have to take some money from my savings just to pay the bills and i can't see I'll be paying it back in the same month.

I am feeling a bit life weary today. Not sure if it is the heat of the last few days and the 2 interviews which I worked hard for and the outcome was such a waste of time when they didn't appoint or what it is really. I only have 1 more teaching session this term - this Thursday when I cover another tutor's class and that's me finished until September.........god knows where the money will come from over the summer _pale_

Just keep swimming, just keep swimming.....:(

beanielou

Keep plodding on hun xx

ZTD

Burlesque_Babe wrote: »

Ok.........end of the month review to try to pull some positives out of the bag.

- I had another interview (even though they didn't appoint anyone to this one either!)
-I had an interview offered to me, but I decided against going because it wasn't right
- I borrowed £100 of my savings but paid it back so for 3 months now have managed without dipping into them
-I've moved my £3955 of CC debt onto a LoB card with an APR or 6.8% rather than the 13/14/15% of the other 3 cards

I remember at the end of May being quite scared about how June would pan out money wise and to be honest I've coped pretty well. I haven't overpaid on my CC's this month so the situation is still keeping afloat rather than moving forwards.

However, July is going to be a different kettle of fish due to the fact my MOT and tax are due at the end of the month and my laziness over 2 weekends not doing AQA. This will mean I will definitely (barring miracles) have to take some money from my savings just to pay the bills and i can't see I'll be paying it back in the same month.

I am feeling a bit life weary today. Not sure if it is the heat of the last few days and the 2 interviews which I worked hard for and the outcome was such a waste of time when they didn't appoint or what it is really. I only have 1 more teaching session this term - this Thursday when I cover another tutor's class and that's me finished until September.........god knows where the money will come from over the summer _pale_

Just keep swimming, just keep swimming.....:(

:grouphug:

Are you getting depressed do you think?

Hollyberry

BB - I am not sure if you can always keep swimming; sometimes treading water is necessary instead. I have often wondered how you manage to do all those hours on AQA, and I think sometimes your brain just petitions for a rest and will go ahead and take it if you don't listen.

Wishing you all the best.

Toto

BB, sometimes you just need to live life. So, you might need to dip into savings, well, that's what savings are for isn't it? It won't be forever, you will get a job which will a) allow you to pay your bills without using either savings and hopefully AQA. and b) allow you to start adding to savings again.

No one can sustain 7 days a week month after month of non stop work, that would drive anyone insane.

Burlesque_Babe

Been trying to shout 'la la la - I can't hear you' at my financial situation whilst putting my fingers in my ears for the last couple of days and it doesn't seem to be working Still feel lethargic about the general 'toil' feel of it all and without boring you with the details, the merger at work is not only going to be over a very long period of time (if at all) rather than the quick, bang, get it done now situation, on top of that, a big grant cut means some people's casual contracts aren't being renewed and whilst my 18.5 hours in the office are safe, I can't see that any of the sparkly , wonderful opportunities which were going to be created in the merger will now be created at all. Working in the job I do, I am privvy to see what goes on and unless I get out altogether, I am well and truly stuck for the forseeable future earning £7.92 an hour.

My teaching for the academic year finished last Thursday and although I might get another 6 hours in July for a 1 off session, that's only a maybe, so the AQA hours need to massively ramp up between now and the end of September when my teaching re-starts. I have said i'll invigilate 2 exams next Tuesday and Wednesday evening and I have 1 other I'm invigilating in July but my salary over the summer is going to be even lower than the £620 or so I've been earning over the last few months. It's starting to feel a bit desparate.

I have just worked out that I am going to be roughly £150 short on the bills. There is then any food for the month - although I do have enough for another 10 days at least and I need to get my MOT done at some point soon as it runs out on 31 July - the same day my tax is due If you add the £150 plus minimum £50 for the MOT and, say, £40 for food, that's pushing £250 short.

I'm off to the bank when it opens this morning to bank my music magpie and water rates refund cheques - its £88 which I've already factored into the shortfall

The only tiny bit of positive news is that i've just checked my 1yr bond and it matures on 31 July. It will be around £368 interest, less tax I guess, I would really love to be able to chuck that at my new LoB card to start getting my CC debt moving downwards, although with the car tax due, I'm guessing that will take priority for some of it at least. I then need spending money for Weybiza on 1/2 Aug with the DFW gang....perhaps the CC won't get as much paid off as I thought :rolleyes:

Beat me with a big stick for not working harder? :rolleyes:

jinky67

NO Babe we wont:cool:

I dont know ANYONE who works harder than you. I have said to you before, I dont know how you do it. I really dont.

It must be soul destroying to be working so hard, for so *little* reward:sad::grouphug:

hypno06

So, things aren't too bad then - at least you have the interest from the bond coming in at the end of the month, which will cover the car costs etc......leaving you NOT having to AQA madly when you don't feel like it.

you have an option here - you CAN do AQA to top it up, if you feel that way inclined, or you CAN use the interest......do whichever you want to do!!

But whatever you choose to do, don't beat yourself up over the other alternative!

We had a similar month last month - OH bike insurance was due, and it failed its MOT.....so all his second job income went on covering that. But at least it was there to cover it - I would have preferred to use that second income to pay down the debt, but the bike NEEDED doing.....

I know it is hard to keep slogging, and it feels as though it is never ending, but it won't always be this way. Look at the positives rather than the negatives, and if it is not possible to see the positives, then as Z says, perhaps depression is kicking in, in which case get yourself to a GP pronto.....

xx

Burlesque_Babe

ta both

I have just spent money I don't really have

I went to town to bank the cheques and Robert Dyas is 2 doors away. I was in need of something to hang my clothes out on because my airer completely gave up a couple of days ago and the combination of the overgrown steps up to my garden, the general jungleness of it means that using the line up there is a bit of a bind - mostly because the bloody bit bramble monster grabs the clothes as they go past in the breeze :rolleyes::o

I decided as I was there to buy an airer and saw the perfect one for 19.99. It went through at 14.99 which was a nice surprise but it seems they had old price tags on in-store because it is 14.99 online.

I then went to Aldi because I saw this thread

http://forums.moneysavingexpert.com/showthread.html?t=1790033&highlight=pimms

and thought - heyyyyyyyyyyy :beer:. It was priced up at £3.69 in the store and I thought, well, still mega cheap in comparison to Pimms and I've just checked the receipt and it has gone through at the offer price of 2.69 :T:D I also bought 2x fizzy cranberry wines for 2.59 each......total spend 20.53 although bananas at 49p per kg are dirt cheap and I bought 5 for 32p!!!