Buddiebabe's SOA / Debt Diary

Seaxwyn

If you make a definite plan to do a carboot with your mum the first chance you get, you could stop feeling pressured to ebay things.

Glad to hear things are good with the boyfriend. Talk the situation over with him and maybe he can bring in some new ideas. I'm sure he would rather you didn't work every hour the way you do.

buddiebabe

Seaxwyn wrote: »

If you make a definite plan to do a carboot with your mum the first chance you get, you could stop feeling pressured to ebay things.

If im honest id rather put the stuff on ebay just need to find the time.... am thinking about taking a few days holiday just to get the chance but really dont want to waste them... i think i have a long weekend due in March so may leave it till then and save my holidays!

Glad to hear things are good with the boyfriend. Talk the situation over with him and maybe he can bring in some new ideas. I'm sure he would rather you didn't work every hour the way you do.

Well we had a bit of a talk about me giving up my 2nd job tonight before i was due to start and he basically said he'd stand by me whatever my decision was which was good, however, it doesn't really help me out. I said that things would be quite tight money wise and i'd really need to watch every penny and that wasn't a problem but in order for me to give it up i would need to make at least £200 a month from ebay which i could possibly do with the stuff in the house for maybe 3 months but then the problems would start.

So the upshot of it all was that i was in tears before i went to my 2nd job tonight and felt really low about going in knowing that i will be doing it for the forseeable future

Anyway once i was there i realised its not really that bad and i do enjoy it sometimes. Im of 2 minds in that i really want the time off but on the other hand i need the money.... so do i just do all the hours i can get at the moment and have no life or do i speak to my boss to see if its possible that i could maybe have a few nites off during the week and the occasional weekend? I think talking to my boss would be the sensible thing to do but i just know that depending what mood i get him in im likely to be given hardly any shifts as you have to be totally flexible and i cant be as i work full time and they have always taken that into account..... what do i do???

I did manage to transfer £50 out of paypal today for ebay items that have been re-listed and re-listed and re-listed but eventually have sold. After all my fees and everything have come off it i've put £11 into my house repairs account and £15 towards paying a credit card that i needed to put the money away for.

I have paid £2.60 towards my marbles card and £4.00 towards my MBNA card.... so although its not alot i have made a total overpayment of £6.60 :j I still have £17.40 unaccounted for but i don't want to pay that towards anything until the money clears as my bank account is currently sitting at £1.12 in credit (it will be £550 overdrawn once the mortgage comes off and other direct debits) but want the account to stay in credit for as long as possible so the interest is lower.

Im off to bed now today has been a really really long day... hopefully 2moro will be a bit better and easier to get through
nite nite
Buddiebabe x

Seaxwyn

HI buddiebabe. How's it going? I'm just looking in because you often post around the beginning of the month. Hope things are going well for you.

buddiebabe

Hi

Well i know its late but i never really find the time to get to the computer these days. I really need to make more of an effort. As at the 1st April 2008 my debts outstanding are as follows:

OVERDRAFTS:

ROYAL BANK OF SCOTLAND £550.00 OD now £733.25 OD

TOTAL £550.00 OD now £733.25 OD (an increase of £183.25 :mad: )

LOANS:

ROYAL BANK OF SCOTLAND £13556.16 (54 payments to go) now £13305.12 (53 payments to go)

TOTAL £13556.16 now £13305.12

CREDIT CARDS:

MARBLES £842.60 now £800.00
MBNA £4384.00 now £4306.00
MORGAN STANLEY £1819.00 now £1809.00
ROYAL BANK OF SCOTLAND £8790.00 now £8630.00
TESCO £1968.00 now £1930.00

TOTAL £17803.60 now £17475.00

TOTAL OUTSTANDING £31909.76 now £31513.37

TOTAL PAID OFF SINCE 01.01.08 £1301.21 :T

I don't really feel like im getting anywhere to be honest things are just piling up and up again. Im not paying off much towards the debts and things are starting to get on top of me again.

Im not feeling too good in myself at the moment. The slightest little thing is getting me down at the moment. I really don't know where im going with anything right now.

I will try and update again soon but at the moment im feeling a bit down right now so am not going to go on. Will try and update again when im feeling a bit more positive

Buddiebabe x

Seaxwyn

Hi buddiebabe. Sorry to hear you are feeling so down. But you have paid off £1300 this year, so you are getting somewhere, even if it doesn't feel like it. Hang on in there.

EagerLearner

Hi BB - just catching up on your thread - glad to see things are progressing well! Just wondering if it would save you interest if you did not put any more stamps away for Xmas and instead started to pay more off the c/card and overdraft... I guess you'd knock down whatever has the highest interest rate? Anyway very happy to see you getting on so well x

buddiebabe

Hi

I have just spent the last 45 mins typing up an update only for the system to crash and me to lose it all :mad: I honestly don't know if i have the patience to sit and type it up all over again!

Buddiebabe x

buddiebabe

OVERDRAFTS:

ROYAL BANK OF SCOTLAND £550.00 OD now £733.25 now £500.00 OD

TOTAL £550.00 OD now £733.25 OD now £500.00 :j

LOANS:

ROYAL BANK OF SCOTLAND £13556.16 (54 payments to go) now £13305.12 (53 payments to go) now £13504.08 (52 payments to go)

TOTAL £13556.16 now £13305.12 now £13504.08

CREDIT CARDS:

MARBLES £842.60 now £800.00 now £750.00
MBNA £4384.00 now £4306.00 now £4300.00
MORGAN STANLEY £1819.00 now £1809.00 now £1800.00
ROYAL BANK OF SCOTLAND £8790.00 now £8630.00 now £8470.00
TESCO £1968.00 now £1930.00 now £1900.00

TOTAL £17803.60 now £17475.00 now £17220.00

TOTAL OUTSTANDING £31909.76 now £31513.37 now £30774.08

TOTAL PAID OFF SINCE 01.01.08 £2040.50 :j

Buddiebabe x

buddiebabe

I have the following savings:

Road Tax £150.04
Car Insurance £72.80
MOT & Servicing £168.69
House Repairs £61.13
House Insurance £92.01
Gas bill £71.83 (last gas bill was £140.52 and didn't have enough saved for that)
Car Insurance Excess £250.00
House Insurance Excess £60.00

Total in cash savings £926.50

TV Licence £76.00

Christmas Savings

ASDA card £25.00
SUPERDRUG card £25.00
MORRISONS stamps £22.00
Works Savings Account £101.91

Total in xmas savings £173.91

Im not adding any more to the above xmas savings at the moment apart from the works savings account as £25 comes directly off my wages every month am going to try and not touch it this year but only time will tell!!!

I will try and update more often..... honest

Buddiebabe x

buddiebabe

Hi

Well im really glad that i've managed to pay off so much this month.... although i have no idea how i've done it.

I've not really kept an eye on what i was spending this month and have bought a few things that i wanted for a change instead of just concentrating 100% on the debt.... I know its not the right way to look at it and i will be keeping a closer eye on things this month.

I know money is going to be stretched this month as im going to Blackpool for a few days next week to soak up the UEFA cup atmosphere.... maybe even travel into Manchester.... if the police allow!!!! :rolleyes:

I am glad that i have the savings listed above for all the bills that will be due as i've not been able to do that before so im really happy i've managed to keep that up to date... it has meant that i've not had as much cash available as before but it does mean that i shouldn't be faced with any unexpected large bills....

I haven't really bothered with ebay just continue to re-list the same stuff constantly but it has made me about £30 in the last month after all fees and everything are paid. I have no time to myself... i should be getting stuff ready for work in the morning but instead i thought i would spend some time doing this.... it's about time i started to make time for myself again. The house is in a bit of a mess but it always is.

Im starting to feel a bit more positive about things so on that note im going to sign off for tonight.... hopefully be able to update again soon :rolleyes:

Buddiebabe x