A Fool and Her Money- CAFCGIRL's Debt Diary

CAFCGirl

Hey thanks for the thought!

Spent the weekend seriously thinking about where things are going and this month really has got to be it!

I can't keep putting myself thru the stress of it each month. It's not exactly a make or break time, as in if I don't I'll go bankrupt, but if I dont I don't think I ever will get myself fully on the wagon!

So thats my plan for this week!
I've got a notebook, somewhere, amongst all the cr*p, so I'm going to write down what things I want to start doing to really get myself back on track.

Things like meal plans, spending diary, housekeeping schedule, and little things like that.Maybe a few tips and motivational bits for myself Now that might sound a bit stupid but evry so often I think I'm gonna need it, especially if nows my time

CAFCGirl

OK so the day off plan is as follows:

*Check credit card balances
*Calculate outstanding lon amount
*Update MSE signature
*Clothes laundryone load oncheck 2 loads!
*Hoovering
*Washing updone
*Tidy away laundrydone whats dry
*Make beddone
*Clear away stuff on stairsdone bar an a3 printer!
*Water plants
*Showerdone
*Fill in council tax form and postfilled in, waiting for trip to post boxposted
*Clear papers at computer
*Meal plan for week
*Pay off phone billdone
*Write up cheque for water bill, ready to post tomorrow so it'll get there friday, before pay day
*Have also just popped out to Tesco's for eggs (got them on BOGOF!) and an onion to make egg fried rice, may also makes some cakes with my free eggs!
Now I know it all sounds a little pedantic, and a little bit liter to list that I've got to have a shower but at least I planned my time for it!

PeachPickle

Hey C

I'm a big fan of lists! I like to be organised and it's nice crossing things off. You keep going!

CAFCGirl

Hey Peaches,

I'm glad I'm not the only one who lives for a list!

Was having an ok day at work although my right side of my chest has been feeling really right today, when I inhale and now it's really starting to hurt, so am gonna take it easy this weekend so I dont miss work tomorrow.

Heard a few nuggets on the grapevine that have led me to believe that I'm going to lose my job, not for the aforementionned incident, but I think the company has simply gone bust (again!).

Contacted warehouse as we're light on stock, who told us they dont have any, and they dont have any of this new fantastic stock we're supposed to launch in two weeks!So we've got empty shelves and looking pretty horrid!

Called area manager who said theres not much we can do, sell what you've got, and you can go through your shop fixturing and see what you can sell from that!!!!!!!!!!!!!!

Is that not just the biggest indicator that I'm gonna be unemployed soon!

God I feel sick..............

ZTD

CAFCGirl wrote:

Is that not just the biggest indicator that I'm gonna be unemployed soon!

Is the accountant/chief financial officer for your company either:

a/ Leaving?
b/ New?

I find that's the most reliable sign. :eek:

But don't worry, from the sounds of it you've been through this before. You've coped in the past, and you will again.

CAFCGirl

the answer is b, he's quite new.

He bought the company when it went bust last time! I wasn't with the company pre that, I've only been there 6 months, which therefore means I'll get nada in redundancy!!!!

Desperately trying to find new job now..Just wish they'd actually tell us either way for definite!

But on a slightly better note, had a no spend today, more enforced than before, as have no money till tomorrow but really want to try this month to get the money together.

So am going to spend day off tomorrow, working out exactly what I need to pay and where, and really give myself a budget for the spending!

OOOOOOOOOOOOh I love it when I get all strict and controlling on myself

PeachPickle

Good luck with the job hunt C, try not to let it all get you down x

More lists tomorrow then eh?

CAFCGirl

Hey Peaches!

Made my list last night for today!
Am heading out in a little while as our local wilkinson is closing down for 2 weeks so I'm gonna head up there and make sure I get what bits I need, so I dont end up paying over the odds somewhere else! Plus you never know there may be some bargains to be had too!

Have also just had email regarding a job where I live whch I'm going to apply to when I get back, I need to re-write my cv anyway.

Then I'll be doing the list of whats going to be coming out of my account. Also going to be writing a letter to Orange, seems that even though I paid my bill, they still tried to take it as a direct debit, even though my payment had cleared, which took me over my overdraft limit, so I'll be charged for that, and it was a returned direct debit so I'll get charged for that too, costing me £60!So as you can imagine not a happy bunny at all!

Got a limit of £10 to spend today on what bits I may need, cleaning and toilettries wise. Then its back home for lists and household chores. BF is coming down tonight so will have to tell him I need a fairly cheap weekend! Think he does too so should work out ok.

Am still annoyed over a few things, as well as quite anxious that it just doesn't seem to be moving in the right direction but we shall see I guess. I can only do what I can, looks like I'll defo be selling those dvd box sets on ebay

PeachPickle

I bought a massive mirror in Wilkinson a few months ago for £15, it's looovely

:mad: to orange. Why do so many companies do that? Do they not check?! Probably hope people won't notice it

Hope you have fun with the BF! And good luck for the cv writing/job

CAFCGirl

Thanks Peaches!

I bought a really big mirror from wilkinsons too! A sort of metallic grey framing, £14!

I think I may have found my DFW twin!

I'll write my letter sometime this avo, as well as the cv. Never thought life involved so much hard work lol

Anyway been to wilkinsons, went to the cash point before hand and I was hovering between £10 and £20 and remembered my promised budget on here was £10 so only took out the £10!

It sounds stupid but I'm proud of that small fact. It's the training my way of thinking thats my biggest mountain.

Anyway went into wilkinson, no big bargains but got everything on my list! Took my little notebook with me, may have looked a bit of a weirdo given that I'm 22 and have a shopping list already, but anyway got everything on it and spent £9 exactly! So am thinking I will put the £1 saved into my money box!

Have also collected a load of money bags from work so am going to start bagging up my coin collection, not sure if I'll pay it in just yet but at least it'll be organised.

And just think pre-DFW I'd have spent my day off shopping!