The teflon wagon

sashybo

Hiya BW, well I think it probably is frustration - I know you're not meant to give to receive etc but if you're always the one doing all the giving it just feels like people are taking the p*ss!

I have friends that I'm expected to chase after and literally don't hear from for months at a time. :mad: One has gone very weird recently after having a baby and very rarely replies to me. I know she has her hands full but she's managed to make time to see mutual friends!

I feel like I'm being blanked! She's doing it to another friend though, so it's not just me. The thing that makes it extra hurtful is that she lost a baby the year before and it was me and the other friend she's pretty much blanking that were mostly there for her. Just don't understand it. She probably doesn't think she's even doing anything wrong.

Oh I'm having a pity party today aren't I? :rotfl:

Bad_Weather

YEH!! Lets have a pity party!!! _party_

I feel like im always doing the giving! AND i have the least money out of them all which was what enraged me! :mad:

I've had friends like that. Ohh how some of them forget!!! One got a new boyf and only really spoke to other friends "in couples" (i was single at the time), then they had a really bad breakup (things got violent) and no-one was there for her except me and our other mate. When things got better I told her that if she ever done that again next time she won't hear from me again. That was years ago and fortunately many boyfs since have been and went and she hasn't made the same mistake again! x

Bad_Weather

Quick update.

Out last night spent around £20 quid. Wasn't a planned night but i had a really good night!

Spending today catching up with some washings etc. The OH and I have decided we are going to stay put in our flat until were both financially sorted. So to try and make that more bearable i'm going to try and gut the flat! Plus i think it helps me remember all the gorgeous clothes/jewellery and makeup i have!

Paid my christmas money into my savings account. I know Martin says your supposed to clear debt first, but i've tried that the last 2 diaries and got nowwhere and have no savings and still have the debt! So put my £450 into the bank accounts (£30 contributed myself) into my account. To find i had £30 in it!!!! ALSO closed a really old childhood account and had £20 in that!!! Sooo my £450 savings is now £500!!!! Im sooo happy!!!

Was going to do martins clinique deal but i had don't have any full sized mascaras. Since i started in July/August i've been determined not to buy any knew makeup as i had LOADS and i have stuck to it, but as a result I'm currently using all my samples of mascara that i had! Using a Lancome and Dior one!!!

Need to go to trail finders today to plan my grand holiday this year. And go and have a look for a wedding outfit, plan is to buy ONE outfit, that i can wear to all the weddings and any other wee events I have another 2 outfits so hopefully if i get bored i can switch it up, both are a but snug at the moment so will need to tone up a bit!

Holiday is 3 weeks in September! Holidays are not something i'm prepared to give up as i should be able to clear with what i earn regardless of the holiday so really its down to some effort from me!

My holiday fund is to pay for my holidays and weddings and hen weekends i have this year. It's going to be a TIGHT year but i really think i can do it!!

Trying to have it all? Probably!

Bad_Weather

Quick update re todays progress!

Well i haven't went to trail finders or went wedding outfit shopping!

BUT... I paid the amount i owed specsavers (£44) and i took out pet insurance (£13 a month).

Both things i've been meaning to do since December so glad i've got out the way. Wasn't sure whether to take pet insurance out but you know what i have a good job i should be taking it out if i can afford it. Plus it was playing on my mind so i should sleep sounder tonight!

*Ohh also got £35 cashback on the pet insurance! And as i'm a M&S customer will get 250 points! That might make for a wee outfit or present when the vouchers come in x

Bad_Weather

No updates...awaiting payday really.

Feel a bit lost recently. Can't quite describe it but just not been feeling too happy. In fact sorry for myself i'm feeling sorry for myself. Think things haven't been progressing aswell as i'd have liked - Debt clearing, Work, Getting fit again....everything is just SLOW...it's frustrating and upsetting.

A month nearly gone and i feel i've achieved nothing. How time passes

Need to get out of the "Tomorrow" mentality and start trying to do as much as i can TODAY. Head down and i'm certain i will see results soon enough.

Pay day Wednesday. Going to try and put £1,000 to my family loan - I WANT RID OF IT SO BADLY. Try put £300 of savings and the rest will be bills.

Can't see if i told this already? But applied for a 0% credit card - and got KB'd for my credit card!!! I have no doubt it's due to recently going over my credit card limit and going over my overdrafts. Looking at it as a blessing in disguise - as last time i did a balance transfer i ended up with 3 credit cards maxed out.

Need to still try and buy a wedding outfit. Looking to hopefully just need a dress and go down the route of black accessories so have bags and shoes. Only need a jacket and a fascinator. Much like everything else i have expensive taste in clothes so looking for a good smart black jacket that will last all the weddings. BUT not buying one just for the sake of buying one. Off to search ASOS...

Bad_Weather

I'm not even going to catch up on other people diaries.

I'm feeling too blue and cant bare the thought of reading about how well everyone is doing.

Call me the Grinch of money saving!!!

Grinch was green though...Mmmm may need another nickname...

missrlr

Don't worry some of us are not doing all that great ... Chin up

miggy

I think this time of year doesn't help... grey and chilly, urgh. You do sound down, though... ... anything we can do to help?

The pet insurance is a good idea, vet bills can be pretty scarey can't they? Not always of course but for a course of treatment.

Any joy with booking a holiday? That would give you something to look forward to and work towards. We are hovering over a booking and if we're not a bit more decisive we might miss it - just seems like a lot of money to commit to and we are going to have to step up the MS ways. Three weeks sounds absolutely wonderful, I think you should focus on that to see you through the dark days of winter.

Keep posting, let us know how you're doing.

xx

miggy

All gone a bit too quiet here... how are you? Hope things aren't getting on top of you?

{{{hugs}}}

Bad_Weather

So I'm back again - tail between legs.

I've faltered. I got fed up and abandoned the very place that I needed the most. The place of unfaltering support - I'm a bad girl. I felt in a rut and every diary I read everyone seemed to be doing so well

I've not derailed too much to be honest. Paid £1,000 to my family loan. Booked holiday of £560! Giving me something to look forward to! Still got another flight of £100 to pay for though.

However my credit card is back up at £3,550 (£250 over limit). My mother owes me £350 for a car repair so will put that to the credit card (which repair was put on anyway).

All in all I feel I've not meandered too far away from he money saving tree. Well I think. Could have been alot alot worse.

Got a bit bad at lunches etc again. Decided on a compromise this week. I'll buy lunch of around £2 - £3 and bring in my breakfast and snacks. My problem is when I buy stuff its breakfast @£4, lunch @£5 and then snacks/coffee's @ £2-£3. Easily £10-£15 a day!!! £50-£75 a week on food at work! £3 lunches are a good compromise!!! Been trying this out this last week and it appears to be working! If I bring in a lunch I end up eating it and having to buy lunch again anyway. It became pointless! Will bring in leftovers etc when then are acceptable or B/f doesn't snaffle them;)

BF and i also sidetracked re the meal planning. Got back on it though. We're currently working our way through our freezer though. Actually making a dent! Then do a big shop and meal plan.

Bought toiletries AND some makeup (urban decay naked 2 palette). I'm a failure. Honestly I'm actually silently proud I lasted so long - but still - last thing I needed was makeup. STILL trying to work my way through toiletries etc. Slowly but surely getting somewhere but I had ALOT of stuff (buying more didn't help )!! Think I've officially ran out of moisturiser and serum so that unfortunately will need to be a purchase on payday. Boots number 7!

So history for last 3 months:

January : £600 family loan
£450 Savings
February: £1,000 family loan
£560 to holiday
£-400 savings
£-550 credit card
£350 owed to me
March (POA): £1,200 family loan (taking it to £8,000)

You know what I've learned from this? I think i could put £1,000 away a month whether to savings or a holiday etc. I honestly think that once I'm debt free that I'm going to keep trying to do this. Get a nice wee nest egg or flat deposit sorted. I wasn't particularly money saving expert style in Feb and I still managed £1,000 to the family loan. Admitingly the credit card has taken a back seat but once the family loan hits £10,000 I'm blasting minimum £1,000 to the credit card every month to get it done!! I think on the months where i'm really tight and not much on I could put more away!

Erm still miserable and crabbit about my stingy mates. But decided to stop moaning about it. LIke Miggy pointed out don't know where my compulsion to buy them gifts/spend money came from but aside from my family members who i love dearly i no longer really care. ALSO i noticed that i wanted everyone of my mates to be cheap and miserable with me, i'd say why are you spending that on her when she'd only spend XX on you. But you know what i realised? Who cares what the spend! It's their money they can do what they like with it! Don't know what my problem was think it was related to above where i was still feeling cheap and thought if others were doing same as me i wouldn't be cheap? Anyway!

Can't think of anything else to moan about...? This will do for just now x