a whole new life for 2010!!

ailsajayne29

well im def on the countdown to the move and despite almost loosing it stressing over silly little things im def glad im doing this :jhowever ive checkd my bank acc and as i thought i have about £20 to live off each week until the 24th.. :eek: but it will make nsd's easier :rotfl:to be fair i only need food and i can live off that easily! have informed all friends that due to extreme lack of funds any christmas funness will have to take place in my shiny new flat and they seem ok with that! i shall prob end up borrowing a tenner to go tot he pub on christmas eve but my mates are pretty good at that and are all finacially flush so wait for me to have it to pay it back! or just buy me a few drinks, i drink so rarely now it doesnt take much :rotfl:Its time like these that i really i so sometimes have very lovely friends who will if pushed help me with stuff like moving and some even better mates that just volunteered without being asked at all! :j

Ive taken another day off work to finish packing etc so i can just relax after work tonight and tomorrow! plus i get on less day onsite with the irritating people at work! i love my job, but i have my limits when it comes to being desk based.. think i hit it a few weeks ago.. and its not helped by people who blatantly know what they are doing just not doing it right! and only because they all hate the site and cumbria! urgh must stop ranting about this! its seriously draining and i just have to remember two and a bit weeks left til christmas then onto the next phase of the project :j:j:jwith less people and more responsibility and decision making for myself :j

on a much funnier note.... i didnt think my housemates could top themselves in their stupidity since witnessing the mad panic of moving everything upstairs after the recent floods in cockermouth (we live up a hill half a mile away from the river.. i know carlisle flooded badly in the past but seriously we'd have been talking a cataclysmic flood) er anyway back to the point, one of the lads got HD sky for the supposedly communal sitting room, I walked into the kitchen before to hear them discussing how it really isnt any different.... turns out they dont have a hd tv so obv wont :rotfl::rotfl::rotfl::rotfl: so funny! ooh im such a cow lol! :rotfl::rotfl:

right off to curl up in bed, watch film and ignore the sounds of sleet being blown by gale force winds into my window apologies again for ranty post im hoping after fri i shall be restored to my less grumpy old woman personality!

ailsajayne29

so positive things today: :T

• sent my CV off to any other archaeology companies in my area in case i can get a job where i actually get to work at my grade and use my skills and experience - however may not have much luck as archaeology is one of the failing industries and most places are laying off... still you never know
• done some more packing :A

Negative things today: :eek::eek:

• sat in bed, watching the ''trial'' in hollyoaks (really getting fed up of the whole lydia storyline, why hasnt she cracked yet!)
• complained WAY too much about other people
• bought ''proper cigs and my lunch'' = £4.99 :eek::eek:

And for tomorrow my to do list:

• go to the bank
• see if i can get my keys a day early
• go find the broker in town to see if i can get any better deals in my contents insurance (flood risk is causing all kinds of problems!)
• Move some stuff (if get keys) and pack some more
• SLEEP :rotfl:

I really need to sort myself out tomorrow and get some form of plan in action for what i move first etc! Im not even thinking about money now... im gonna be skint and only have food money left so kinda not even letting that bother me this month! Will prob need to do a food shop but i have a really good butchers and market near by so i might even set myself the challenge of doing a basics shop then not using supermarkets for the next two weeks and just get things locally! It is actually cheaper as well i think! soooo hopefully once i get everything into the flat and actually sorted i may be able to get myself organised properly and stop wasting things

so onwards and upwards! :rotfl::rotfl::rotfl:

ailsajayne29

so far the only thing on todays to do list i havent done is sleep!! and im ertty sure that wont happen all that soon lol! Still got keys, ran around new flat laughing like a crazy woman, started moving, saw insurance broker (not looking good!) tried to sort out phone but BT web site doesnt seem to be working and am about to embark on sorting my leccy out :-D ie switching provider to see who is cheapest :-D

Souk08

Good luck with the whole move thing girl! Be totally worth it when you're all sorted X

ailsajayne29

thanks! Im in agony lol! Spent all of thurs to sat moving, mainly on my own cos i didnt want to wait for any helpers... far too excited lol!! but its all been totally worth it so far :j:j:j:j have been so happy pottering around there this weekend! However i have had several nights of visitors and drinking :beer: but its bliss and im def glad i did it! even if i do have very little furniture and boxes everywhere :rotfl:

I now have £25 left :eek: to last til the 24th mainly the result of drinking on sat night.... very very bad but i only need to buy food and ive got loads so should be ok! Ill get there lol! I always do!

got to do things like try and get my phone line reactivated for free today and sort out what tariff im on with n-power then do the whole seeing if i can do it cheaper! Cos i have night storage heaters so need to work that out! and contact water people cos im on a meter... so still got loads to do! was gonna leave it all to christmas hols from 18th but will prob just worry about it if i leave it til then :rotfl:

ailsajayne29

well with the excception of unpacking everything and council tax Ive managed to get everything sorted :j:j set bills up on DD and while getting my new phone line wasnt free i did manage to get talk talk to agree to put in a new phone line for £40... and i dont need to pay that £40 til feb! bonus all round! means at some point over christmas I shall have internet at home :j and not only have it at work

still its nearly christmas and im hoping that i can survive til my christmas eve pay day... thanks to being ill the last few days i now have about £8 to live off :o:o :eek::eek::eek:
been trying to find ways to make money that i will get now but cant find anything esp as i have nothing to sell so im a little bit screwed i think! sure i can survive seeing as i only really need food and i do have a fairish amount of stuff in the cupboard! so no going out to play, no work christmas party and no ability to find pressies for family before christmas eve!! all good fun! lol!!

Souk08

Keep at it ailsa XXX

ailsajayne29

I shall try! to be fair you cant spend what you haven't got so i shall have to find a way to get through the 13 days left til payday :rotfl:its going to be a little miserable but i usually manage

maybe having to stay in I will find the time to unpack all the boxes in my spare room :rotfl::rotfl::rotfl: and put my clothes away! xx

ailsajayne29

well after nearly 2 months ive managed to get back online! yay! STILL waiting for talk talk to connect my broadband so stuck with rubbish dongle at min but at least I can start sorting thingss out again :j

I have to admit i have been absolutely awful with money over christmas and jan, but im hoping this month will be the start of better things! Altho im pretty skint right now lol! still bills are paid and the love of my own place is still going very strong! Tbh I could prob do with someone sharing the bills but i honestly cant face someone else being here when i come in!

But Ive made a fairly radical decision..... As long as I wont loose the flat Im going to apply for a debt relief order.... Im sick of things getting on top of me and of creditors crawling out of the woodwork and random people suddenly deciding out of the blue that i owe them money and having had a long chat with the lovely people at CCCS Im pretty sure this is the way forward for me. Its a hard decision because i always said i didnt want to go bankrupt as i made this mess and i should sort it out, but honestly, my income seems to only ever decrease and my outgoings go up, esp with food and petrol proces changing all the time, so as my surplus has now hit £50 they advised that i consider it. Its not like it will affect me all that much as I have no assets or savings or any potential change in circumstance so maybe its time to give in and start again.

The deicison has left me feeling a bit more positive, like things might change quite a bit, and i might get some semblance of peace again! at the very least its a year with no stress over money or making payments at best its gone for the rest of my life. I dont do credit of any kind anymore and am not planning on buying a house... could never afford to anyway so decision made!

anyway enough with the rambling :rotfl:I have just over £50 a week to live on this month and I need to pay for lots of petrol (which i will get back but not fo over a month) and potentially lots of time working away staying in b and b's, again, get money back but not straight away! so bit of a muddled month but im sure it will be ok! It usually is lol!! At least my bills are paid and everything is pretty much on track! :T:T:T

On a very positive note I got a new job, which means i get to do my job like i should be! Im finally working fro a company that values my skills and it has been making me so much happier! several people have said i seem much happier now and its 50% new job 50% new flat :rotfl::rotfl:

anyway im hoping to come and post on my diary a lot more now, think it keeps me a bit more on track when im justifying my silly spending moments... but for now im off to perv at Jack bauer...... I am a recent convert to 24 so am watching my way thru all previous 7 series before i can watch the new ones.. half way thru season 5 :j:rotfl:

ailsajayne29

well today i managed to spend money i didnt want to! stupid car needed oil, water, antifreeze and apparently needs some new gaskets but besides the tenner i spent on oil and antifreeze one of my lovely friends is going to sort out the gaskets next week and it will prob only cost me a fiver for the bits, he's not asked me for any money to fit it cos it will only take ten mins but im going to give him some anyway, he is in a pretty similar situation to me so would feel bad not giving him any money for it!! but ve double checked all my bank accs and payments etc and i had a little more spare than i thought i did so its not as bad as i thought it was!

Ive been looking into the DRO stuff a bit more and it doesnt mention anything in my tenancy agreement about bankruptcy or anything so going to ring them and ask on monday, i also made an app at barclays for a basic bank account to switch to before i start so that i dont loose my banking facilities, i explained to the lady about starting dro and she was really helpful, i might even still have switch card woo! :rotfl: I need to start making a list of my questions for the cccs dro team things to check, like about petrol expenses, and subsitence payments, will they count as income? who will be notified? what do i do about personal debts? and how can i check if anyone else thinks i owe them money! My only concern is that i had a mobile contract in dispute with 3, i complained etc and they just never bothered to reply, so i need to check they just havent registered me in default without telling me how much or what i owe for! i know for def that nothing can be on there that would take me above 15K so i just need to sort things out and double check and hopefully get this ball rolling! Im also going to get the money together to pay the fee in one go, I want this started and on the go asap! I would rather say that i will spend less on food or ask my parents to help than end up spreading it out over months, during which time i would still need to pay my creditors my DMP payment! but fingers crossed it will be ok!

thing is today i wasnt worried about anything, when my car was playing up and i thought it was going to cast me a fortune i didnt worry so much, i just thought ok, i can deal with this! Even tho without my car i cant work! maybe its cos i know im getting my mums old car soon! Ive had to make the very reluctant decision to let my 25 yr old golf MKII go :(:(:( love that car and its so reliable (usually :rotfl:) but cos its petrol its costing me too much for work, so getting mums old skoda diesel, still worth very little so no prob with DRO but should help things a little with fuel bills, so prob will be better.. gutted about the golf tho but i def cant afford to keep both esp as the golf needs a full restoration and tlc!

for once im feeling positive and despite the fact ive thought ive sorted things before this really does feel like a final phase, I just have a few more things to work out then going to go ahead, I guess if the flat might be a problem i could see if my parents would be guarentors... Its not like i cant afford to pay my rent or household bills, its just that there is so very little left to clear my debts, so maybe even if the flat will be an issue there might be ways round

anyway id better stop rambling again and carry on trying to clean the flat... things keep distracting me lol!