Buddiebabe's SOA / Debt Diary

EagerLearner

Hmmm, just a quick message but if the snowball calculator says it makes no difference, pay off the thing that weighs most on your mind, or has the highest min payment every month? That would free up cash for you to pay off something else? I am surprised that the snowball calculator has said it won't make a difference though, some of the debt must be more expensive than other debts? The usual rule is presumably to pay off what has the highest APR...

buddiebabe

Hey

Thanks EagerLearner so far i've managed to pay my mum back the £70.00 and the £90.00 that i owe her. It means that i don't have to use my 2nd job wage to pay her back up until christmas. Im still undecided on the rest at the moment but will have a think about it over the weekend.

The snowball calculator basically keeps my debt free date at the same date but im trying to figure out which will free up the most money to pay towards the others every month

Buddiebabe x

Seaxwyn

HI buddiebabe

Glad to see that things are changing for you, it should make life a lot easier. When is your debt-free date now?



Best of luck with whatever you decide.

Seaxwyn

HI buddiebabe

How are you? you haven't been around for a while. I hope things are going well and you're not too weighed down with debt worries.

What did you decide to do with that £3600?

Hope to hear from you soon!

buddiebabe

Hi Seaxwyn

Sorry i've not been around much lately things have just been too hectic to get on the computer too much and to be honest i've been finding it so hard to get motivated about anything.

Things haven't been too great lately am struggling with work, money and the boyfriend. Don't really know what direction im going in at the moment. I've been off on holiday from work for a week hoping that by the time i have to go back i might feel better about things but at the moment im dreading going back on monday.

The money situation has got worse and i now owe a grand total of £33304.88 and my debt free date is now going to be January 2014. I had an accident in my car a few weeks ago (someone drove into the back of me while i was sitting at traffic lights) and things seem to have gone down hill from there. I've lost alot of my confidence and get pain now and again and part of me is thinking what is the point.... life's too short. Only problem is i know thats not the right attitude!

The boyfriend has been great, however, im finding it really hard to overcome some trust issues i've obviously picked up from my previous relationships. I do trust him i know he wouldn't do anything to hurt me and he does love me and want to be with me. I just have one major problem. His friend. He's 25 and his best friend is a girl of 18 now she texts and calls all the time, now i know i shouldn't have done it but i read his texts... he knows about this cause i told him and things did get better after i did but she was sending texts saying how much she loves him and how she wishes she'd kissed him when she had the chance... now she has a boyfriend but that obviously doesn't mean anything. Now i should be able to deal with this she's only 18 and im 29 i mean i really should get a grip. He's with me and says he wants to be but because of everything thats happened in the past im so scared of getting hurt i sometimes think it would be better just to end it now and let him get on with his life. Only problem is im mad about him... i just get annoyed that i cant just enjoy being with him... its always at the back of my mind worrying that he doesn't really want to be with me. I think i need someone to give me a good shake!

Hope things are better with you.

Am going to sort out some numbers and then try and post the worst of it all!!!

Buddiebabe x

buddiebabe

Well as of the 1st of October 2007 my debt will be a grand total of £33304.88 with my debt free date being January 2014. Seven years away and if i can do it i will be 36 before im debt free

OVERDRAFTS:

ALLIANCE & LEICESTER £0.00
ROYAL BANK OF SCOTLAND £0.00

TOTAL £0.00

LOANS:

ROYAL BANK OF SCOTLAND £ 14811.36 (59 payments of £251.04 to go)

TOTAL £14811.36

CREDIT CARDS:

BARCLAYCARD £4834.91
MARBLES £3590.00
MBNA £4528.61
MORGAN STANLEY £1900.00
SKY £1500.00
TESCO £2140.00

TOTAL £18493.52

TOTAL OUTSTANDING £33304.88

Well thats the worst of it. I included the overdrafts just to show that I now no longer have two accounts in an overdraft. I will take them off next time i update. I haven't been feeling up to much lately so haven't been bothering with pigsback, quidco or other cash back sites or even entering competitions. I am going to spend the next half hour looking at what i need to do.

My to do list at the moment is as follows:

1. Sort out my paperwork
2. Do pigsback clicks
3. Do quidco clicks
4. Sort out house insurance
5. Empty piggybank

Thats all i think i'll be able to deal with this weekend i think. I am going to try and at least give myself 15 mins a day to come on here and just catch up.

Buddiebabe x

ZTD

buddiebabe wrote: »

He's with me and says he wants to be but because of everything thats happened in the past im so scared of getting hurt i sometimes think it would be better just to end it now and let him get on with his life.

You can't spend your life in fear. There may be pain in the future, or there may not be - that goes for everything, from relationships to crossing the road. Just accept the future is unknowable. Enjoy the now, enjoy his company and just remember that in the choice between you and her, he chose you. That should bring a smile to you.

I've been hurt by various relationships, but I'm still out there trying...like a [STRIKE]loon[/STRIKE] stalwart. It is difficult, but possible.

buddiebabe wrote: »

Only problem is im mad about him... i just get annoyed that i cant just enjoy being with him... its always at the back of my mind worrying that he doesn't really want to be with me.

He's there, therefore he wants to be there. It's not like you've got him held prisoner (except when you handcuff him to the bed - but we won't go there... )

buddiebabe wrote: »

I think i need someone to give me a good shake!

They're called "smoothies" these days...

Seaxwyn

HI buddiebabe

Well that's a definite improvement on the money front - no overdrafts and only one loan :beer:

Total shows a nice reduction too, I hope the money from your mum has helped bring your monthly payments down.

On the boyfriend front - well it's not surprising you find it hard to trust him given your past experiences, but it sounds like he's chosen to be with you. I don't think you need to read too much into the texts. Try to put your fears out of your mind - easy to say and hard to do I know!

Glad to hear you may be visiting here more often! And hope things go well at work on Monday. Are you still thinking about looking for a new job?

EagerLearner

Hi BB - just dropping in to say hi & chin up re Other Woman scenario - she's the one that has the problem because he's with you now, so don't think about it. The less attention you and he pay to her texts etc, the better off you will be. At the others have said, he's with you and chooses to be with you, of course he loves you and wants to stay together.

My husband feared I'd dump him for someone else when we first got together and at one point said 'we should split up now, I know you will leave at some point anyway'. Now, he was drunk and had had a bad day as well, but it shows that when someone's self confidence is low they can say or think silly things. Of course I ignored him, he slept it off, apologised the next day and here we are 6 years later (3 of them married).

So don't let the same happen to you! Try to shake it off and also, for both your sakes, don't read his texts as he will lose trust in you too and that's not a healthy start to your relationship...

PS: BB - to make more daily click money pm me your e-mail addy and I will send you my guide. The Quidco stuff is ok but there's much more money to be made from better sites as an add-on to Quidco.

pandapaws

Hi Buddiebabe!

Was just thinking about you last week after reading the whole diary a coulpe of months ago, and then never seeing it again, so it is good to hear that things are going quite well for you at the moment. Sorry to hear that you're a bit down, but think of the positives: you're making good inroads into your debt, the overdrafts are gone, you haven't been gambling, you weren't seriously hurt in the car accident (any chance of claiming compensation if you're getting pain from it?) and things are going really well with your bloke. The fact that there is some silly little girl after him should be a real confidence booster - he's chosen you over a younger model, so well done!

Any progress on the job hunting front?