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small steps and a fresh start......my journey starts here

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  • Lemon_Tree
    Lemon_Tree Posts: 10,202 Forumite
    Part of the Furniture 10,000 Posts
    well done for getting some revision done, the only thing i was often any good at was procrastination
  • MiaowMiaow
    MiaowMiaow Posts: 414 Forumite
    Lemon_Tree wrote: »
    well done for getting some revision done, the only thing i was often any good at was procrastination


    I am so tempted to do other things!!!!!!! just keep telling myself off!!!!!!

    Having break now and bit of TV.

    Had an hours sleep earlier too - still get very tired but at least not really down today.

    I have swapped £30 of T vouchers online to double them - will get £40 to pend on T finest food and drink and £20 to spend of pet supplies - cat food!!!!!!!!!!!!!!

    v pleased and will be able to buy some nice food without feeling guilty!!!!!!!!!!:):):)

    I'm reading this book at the moment - shoot the damn dog by sally brompton, brilliant read for anyone suffering with , her suffered with depression. second time reading it, v inspirational.

    xx
  • MiaowMiaow
    MiaowMiaow Posts: 414 Forumite
    Very tired now but don't want to go to bed as think I am going to miss out - on what exactly i dont know!! I am by myself, watching TV and yawning yet feel I cannot go to bed - make any sense????????:mad:

    I think also that as I have worked so much this wk I dont want the weekend to end as I'll soon be back at work monday and have a list of things to do as long as x10 of my arms and never enough time.........

    also love a cup of tea!! though drinking 3 in a row probably not a good idea!

    going to a friends little boys first birthday tomorrow - already bought his present so dont need to worry about that and the house is in walking distance. Not going for long as need to do some more revision tomorrow.

    hoping for a NSD tomorrow seeing as today went wrong.

    I think if I get some revision done tomorrow I will spend an hours tidying my bedroom (rest of house clean and tiday for once!) and see what i can find for ebay then in the week sort out some listings - though might wait to list until nxt weekend.

    night all............well hopefully soon!

    xx
  • MiaowMiaow
    MiaowMiaow Posts: 414 Forumite
    :D It is nice to be awake on a Sunday morning before midday and without a hangover!! no alcohol is doing me a lot of good

    Just having a pot of tea and relaxing for half an hour - already done the dishes.

    One of my poor little cats has been out all night, she came in this morning soaking wet covered in sticky little bud things from the fields at the back of my house - tried getting some out of her fur but she kept running off, it will take her all day. My other cat started chasing her (he is still a kitten) and so I had to take her food upstairs so she could eat in peace, poor little girl :(

    Things to do before house mate moves in (2 wks to go) -
    • clean kitchen cupboards out to make some space
    • buy lamp and rug for his bedroom
    • get brother to move rest of clothes out of the room
    • paint inside of fitted wardrobes - mum doing this :)
    • replace hooks in wardrobe (falling off) - dad doing this :)
    • clear brothers things from rest of house to make space
    • sort out tenancy agreement - hopefully today
    • re-do SOA
    • get set of keys cut
    what a horrible rainy day :( going to finish my brew then shower, dress, quick tidy up then on with the revision!!!!!

    xx
  • MiaowMiaow
    MiaowMiaow Posts: 414 Forumite
    Really not a good day:(:(:(
    I am back in my pj's and really cannot face anything.
    I have no idea why , just know how down I am feeling again. My head is banging and my knee is giving me jip (fell other wk)
    just want to sleep - thinking about going to gp again.

    on DFW front - few items listed on ebay this morning.

    lots more to list - cant face just now

    got cup a soups in cupboard for work lunches and bought lettuce so i can do a bit of salad too.

    maybe if i have a little sleep ill feel a bit better ..............x
  • MiaowMiaow
    MiaowMiaow Posts: 414 Forumite
    well i couldnt sleep and decided that no revision would happen due to my state of mind so have listed 28 items on ebay - only little things but a start at least!!!!!!! - realised it is so much easier to list items on my ipod touch than laptop! quicker by a mile.

    feel little bit better after a chat with a friend (v nice man friend just waaaaaaaaay too complicated to even start to explain-just friends at mo which is fine)

    having lazy tea of chicken kiev i already have and can just shove in the oven without needing to think:(

    cannot seem to concentrate at all.

    for some reason also dreading work tomorrow - i dont know why as i like my job, maybe as just so busy at minute? who knows.

    hmmmmm
  • Loobeyloop
    Loobeyloop Posts: 164 Forumite
    Hi Miaow, Hope you are feeling ok, Well done you for putting your bits on Ebay, that's a positive step!! It is so difficult to be motivated to do anything isn't it? I have spent the whole day more or less sat on my fat a$£e and feel so cross with myself, but you get stuck in a rut don't you?
    Hope you have a good evening and a good day at work, being busy is a good thing, keep your mind off your worries!!
    take care :)
    August 13 NSD 4 /15.... /4 in a row!!!! Credit cards as of [STRIKE]13/4/12[/STRIKE] 31/07/12
    Virgin [STRIKE]73.08[/STRIKE] 0.00:T Nationwide[STRIKE] 1336.57[/STRIKE] [STRIKE]1446.20[/STRIKE]1405.23 Tesco [STRIKE] 2392.11[/STRIKE] [STRIKE]2376.91[/STRIKE] 2761.93 Halifax [STRIKE] 2746.05[/STRIKE] [STRIKE]2774.12[/STRIKE] 2186.06 B/C [STRIKE] 2559.72[/STRIKE] [STRIKE]2569.62[/STRIKE] 2341.02 Santander [STRIKE] 3221.43[/STRIKE] 3119.57
    :mad:
    Overdraft:800 :(
  • MiaowMiaow
    MiaowMiaow Posts: 414 Forumite
    Loobeyloop wrote: »
    Hi Miaow, Hope you are feeling ok, Well done you for putting your bits on Ebay, that's a positive step!! It is so difficult to be motivated to do anything isn't it? I have spent the whole day more or less sat on my fat a$£e and feel so cross with myself, but you get stuck in a rut don't you?
    Hope you have a good evening and a good day at work, being busy is a good thing, keep your mind off your worries!!
    take care :)

    Thanks LoobeyLoop :) I was beginning to feel very alone on my diary!! trying to keep busy , you have a good night too xx
  • MiaowMiaow
    MiaowMiaow Posts: 414 Forumite
    I have tried to be pretty realistic and by the looks of things I can still cut back luxuries and try and make some more payments to debts.

    the extra income is money from my soon to be lodger - not included him as an adult in house as everything else is completely seperate - i pay all bills an mortgage, just put that extra towards it.


    Household Information[/b]
    Number of adults in household........... 1
    Number of children in household......... 0
    Number of cars owned.................... 1
    Monthly Income Details

    Monthly income after tax................ 1550
    Partners monthly income after tax....... 0
    Benefits................................ 0
    Other income............................ 350
    Total monthly income.................... 1900

    Monthly Expense Details

    Mortgage................................ 657.9
    Secured/HP loan repayments.............. 0
    Rent.................................... 0
    Management charge (leasehold property).. 0
    Council tax............................. 117
    Electricity............................. 35
    Gas..................................... 28
    Oil..................................... 0
    Water rates............................. 36.09
    Telephone (land line)................... 11.78
    Mobile phone............................ 30
    TV Licence.............................. 12.37
    Satellite/Cable TV...................... 0
    Internet Services....................... 15
    Groceries etc. ......................... 150
    Clothing................................ 30
    Petrol/diesel........................... 80
    Road tax................................ 3
    Car Insurance........................... 37.54
    Car maintenance (including MOT)......... 20
    Car parking............................. 0
    Other travel............................ 0
    Childcare/nursery....................... 0
    Other child related expenses............ 0
    Medical (prescriptions, dentist etc).... 14.4
    Pet insurance/vet bills................. 10
    Buildings insurance..................... 12
    Contents insurance...................... 13.21
    Life assurance ......................... 0
    Other insurance......................... 0
    Presents (birthday, christmas etc)...... 30
    Haircuts................................ 10
    Entertainment........................... 80
    Holiday................................. 0
    Emergency fund.......................... 60
    Total monthly expenses.................. 1493.29


    Assets

    Cash.................................... 0
    House value (Gross)..................... 140000
    Shares and bonds........................ 0
    Car(s).................................. 3500
    Other assets............................ 0
    Total Assets............................ 143500


    Secured & HP Debts

    Description....................Debt......Monthly...APR
    Mortgage...................... 136000...(657.9)....0
    Total secured & HP debts...... 136000....-.........-

    Unsecured Debts
    Description....................Debt......Monthly...APR
    M&S CREDIT CARD................5221.64...60........0
    HALIFAX CREDIT CARD............4980.23...80........5.6
    LLOYDS O/D.....................410.86....20........0
    HSBC LOAN......................4642.88...145.......0
    HSBC O/D.......................1917.68...50........0
    Total unsecured debts..........17173.29..355.......-


    Monthly Budget Summary

    Total monthly income.................... 1,900
    Expenses (including HP & secured debts). 1,493.29
    Available for debt repayments........... 406.71
    Monthly UNsecured debt repayments....... 355
    Amount left after debt repayments....... 51.71

    Personal Balance Sheet Summary
    Total assets (things you own)........... 143,500
    Total HP & Secured debt................. -136,000
    Total Unsecured debt.................... -17,173.29
    Net Assets.............................. -9,673.29
  • MiaowMiaow
    MiaowMiaow Posts: 414 Forumite
    My SOA probaby seems a bit over for costs in entertainment - includes seeing mates out for tea/nails (my only luxury - but may stop), anything that comes up like peoples birthday do's etc. I also think i need to work on food budget - must must must.
    £60 emergency is also my xmas savings for food/presents etc
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