Buddiebabe's SOA / Debt Diary

buddiebabe

Well it was pay day today from both jobs so for a little while i was out of my overdraft and in credit :rolleyes:

Well i took money out my account and went and got my hair cut today. I really like it.. its about 3 inches shorter but is all cut into my face which looks nice but its starting to annoy me already :rotfl: :rotfl: :rotfl: It cost me £30 which is alot of money but its not been cut since last year so its not too bad.

My MBNA and RBS direct debits have both come out my account so that money now goes into the paid section of my May target. I paid the following today:

£80 repaid to Halifax car account
£100 paid to Barclaycard
£4.05 paid to MBNA
£46.23 paid to Morgan Stanley
£67.79 paid to Skycard
£71.41 paid to Tesco
£35.00 paid to Royal Bank overdraft (asked bank to reduce limit to £950.00 )

£404.48 in total paid out today :eek:

£800 target for May £768.90 paid towards debts :T still to find £31.10

I've still to pay my Debenhams minimum payment (but the statement hasn't been produced yet) so i have a week or two to get the money together for that so i will definately meet my target for May :j but thats only as i had overtime in my May wage and thanks to ebay sales which have been better than expected

I'm going to set my target for June at £800 as i will have done it this month so am going to do it again next month :rolleyes: I already have £86.41 put away for my MBNA minimum payment due in June so that starts that target off.

:rolleyes: June target £800.00 money put aside £86.41 money still to find £713.59 :rolleyes:

Well my sister is taking me out tonight for a few drinks so i'd better go and get ready. I don't intend to be out for long as im working 10 - 6 2moro and then im going out 2moro night 2 but am taking the car so it won't cost me too much. I got a phone call today from work to say that overtime is on this Sunday so i'm going to go in for 5 or 6 hours 8 - 1 or 2 so can't stay out 2 late 2moro night.

Will update again soon

Buddiebabe x

ZTD

buddiebabe wrote: »

Well my sister is taking me out tonight for a few drinks so i'd better go and get ready.

Remember to test the merchandise properly...

buddiebabe

Well thats me just home. Can't believe i actually managed to survive a night out! I think i've had a bit too much to drink but didn't do anything too embarassing...well not that i can remember anyway:rolleyes:

I know im going to be suffering in the morning so am off to collapse into my bed now... if i can find it under the mountain of clothes i left on top of it before i went out

ZTD i didn't test or try any merchandise tonight... just window shopped and surprisingly enough there were a few very nice items in the window so all is not lost.... (i hope :rolleyes: )

nite nite

Buddiebabe x

hypno06

Glad that you had a good night out, and that you enjoyed the window shopping.

Perhaps, as ZTD says, you can test the merchandise next time.....

Have you sorted out those extra Sundays yet? Make sure you don't do too much, getting overtired will do you no good at the moment.

ZTD

buddiebabe wrote: »

ZTD i didn't test or try any merchandise tonight... just window shopped and surprisingly enough there were a few very nice items in the window so all is not lost.... (i hope :rolleyes: )

Looking is all part of the selecting. No good if they please the fingers and offend the retina...

Seaxwyn

HI Buddiebabe

Glad to hear you had a good night out - and that your new haircut looks good. Hope you have another good evening tonight. Keep your chin up and enjoy the window shopping!

buddiebabe

Well thats me just home from work and im shattered! I feel terrible and look worse its been a really long day. I woke up at 4am this morning and couldn't get back to sleep. I really shouldn't drink that much especially when i know i cant handle it

Im not going out tonight (im just far too tired) Im also working overtime 2moro 8 - 2 and i was asked to go into my 2nd job in the afternoon from 3 - 5.30 so its another long day 2moro so i'm going to have something to eat and then just relax in front of the tv for a few hours.

Nothing has been decided about the sundays at the moment but if its a choice between 2nd job and overtime the overtime wins hands down!!! Its almost 4 times the hourly rate of my 2nd job :eek:

I really need to get some stuff on ebay but i'll try and do some 2moro night.

Going to get some dinner now may post later on if i can make it off the couch :rotfl: :rotfl: :rotfl:

Buddiebabe x

buddiebabe

I survived my 6 hours overtime and my 2 and a half hours in my 2nd job today so the 6 hours at double time will go into my June wage :T

Not managed to list anything else on ebay at the moment, i had 51 items finishing tonight and only one sold out of 40 so far for 99p am hoping for a bit more with the other items still to finish.

The interest was added to my RBS credit card today £153.49 :eek: I paid £5.49 towards this today to bring the balance down to £9708.00 and the minimum payment for this due next month is £218.00. With my paypal money coming into my account hopefully this week i have enough to put this aside at the moment.

My May target total is as follows:

£800 target for May £774.39 paid towards debts :T still to find £25.61

and June target:

:rolleyes: June target £800.00 money put aside £304.41 money still to find £495.59 :rolleyes:

I know i still have to pay my Debenhams minimum payment so will definately meet my May target will just need to find the £80 to pay this (but i do have 2 wages from my 2nd job due before it will need to be paid) I could always use some of the £218 saved for my RBS card if my wages are not enough (although will the extra hours they should be :rolleyes: )

I was hoping to get my debt to under £28000.00 by the end of the month but at the moment it would mean having to find £115.41 less the £80 for Debenhams so really need to find £35.41 and i probably would be able to do it and i really should try and find this money too but really don't have the energy to try at the moment and anyway my Barclaycard statement is produced on the 29th or 30th of the month so it would mean that the interest would take it back over the £28000.00 i can't seem to win either way

Buddiebabe x

EagerLearner

Hi BB,

Just thought I'd drop in and see how you are! You are doing well and any payment against any debt is good no matter how small as it all adds up. Don't put any undue pressure on yourself as you may overdo it - just pay what you can. It's good to have goals but not if you get stressed or unhappy.

How are you getting on with the daily clicks / cashback? I reached £92 yesterday so am a very happy bunny and can't wait to hit £100.

buddiebabe

Hi everyone

Well i've not updated for a while. I've been enjoying life for a while without spending 24 7 on the pc... in fact i've hardly been on the computer at all

Money update first -

I've paid my Debenhams card today so that means i've met my £800 target (actually exceeded it by £65.39 :j )

Not really been doing any other money savings... actually i have spent a bit of money lately... i've had a few nights out and bought some new clothes ... fortunately i had the extra money from ebay so i've not increased my debt.

I've met someone, through friends, in fact they set us up and although its early days im having a great time... I can't seem to get the smile off my face it makes such a change from being boring and miserable all the time. Its so nice having someone who asks about my day and how im feeling and takes 5 mins out his day to text me

My car went in for its service and its not good news. It needs a new timing belt, a wheel bearing and some leak needs fixed... worst case scenario is its going to cost £800.00 to get it fixed :mad: It's going into the garage on Wednesday to get the repairs done i have £400.00 in my car account, £30 in my bank account, £125 saved for xmas and if it comes to it im going to have to use my Skycard as its the only one i have any money on.

I should probably get rid of the car but im not going to just yet. Its only 7 years old and its my first car so am really unwilling to part with it and i really cant afford to either way im going to be out of pocket if i get a new one or if i get it fixed

I've not put anything new on ebay or relisted anything for about a week so im really going to struggle to meet my £800 target for June.

I have decided that it is about time that i started to enjoy life a bit more and instead of working all hours and spending all my time on ebay as long as i have enought to pay my bills and have a few pounds left to spend on myself then im not going to spend as much time worrying about things.

I am going to continue to post but probably not as much as i used to. I hope thats ok

Buddiebabe x