If you wanna be somebody

miggy

If it's the right camera and you can be sure you'll be able to pay in 3 months then it's a bargain! Also, can you go through a cashback site and make it even more of a bargain? The only thing I can think of that might happen is that the price might fall elsewhere if they have a new version of the camera coming out, but I don't think that matters if it's the right spec of camera?

And - great that you've booked Cuba!

kerri_dfw

I wouldn't do it on BNPL as you're putting yourself in further debt, if you have the money now then pay it in full with the £10 off voucher
Well done on booking Cuba, Cuba + camer will be awesome.

GreenSaints

Hi,

Just found your diary as I had a scary dream and can't sleep

Loving what I have read so far. You had me at 'Homer in the moo moo shop' :rotfl: I love Simpsons and that episode

*subscribes*

Look forward to seeing your progress

hadahardyear

hello everyone, going to try nd post more for the therapy and to try and be sociable cos i feel im retreating back into my shell again and thats not good.

I have rigidly stuck to weightwatchers this week, totally slipped through feb but I feel cuba has given me something to focus on, so tomorrow morning is weigh day.
at the beginning of the week i was 18st 3 so truth will tell in the morning when i go check.

I have been good, taking pitta bread and carrots to work etc and budgeting within an inch of my life cos £1500 has to be paid for the holdiay by the end of this month.

have been asked out by 3 men this week. !!!!!!??? true to form, have made up excuses to avoid all of them haha.
My son is dying for me to get a boyfriend but i dont know whats wrong with me , I just can't/.
My son used to give my phone number to waiters when i went to the loo if we were out to dinner hahaha. :rotfl::rotfl:
Then once we were in the queue at Morrisons and he was nudging me when we were stood behind a hottie, going 'what about him, he's cute.' I love that boy, he doesnt half make me laugh.

The vampire is still sweet on me and has told all his family that so now they all stand at the back of the pub waving at me every week :rotfl::rotfl::rotfl::rotfl::rotfl::rotfl:
apart from his cousin who he tells me last night, gets jealous when he texts girls.
Isnt that a bit incestuous.

another guy was a guy i met on a dating site about 5 yrs ago (during a phase i had through boredom when i would go onto the dating forums to wind up Americans with lucid tales of dating married men (btw this wasn't true, but it gave me something to do. haha.
He kept in touch but was seeing someone for a couple of years after he gave up asking me out. THey split up last year and he keeps asking but lives an hour and a half away.
Sorry about the non capital letters, I really can't be bothered punctuating, im supposed to be sleeping because i start work at 9am but i tried, and i cant do it mostly because i started looking at old photos of the bruv and crying again.

Had an awful dream about him last night that shook me a bit and haunted me all day.

MSE wise, got some tesco vouchers through the post when you spend £30 you get a tenner off so have 4 of those to use, the boy is helping me budget.

Im loving Aldi's large pitta breads, 6 for 45p. A trick i learned was running them under the cold tap quickly then putting them in the microwave for a minute, which opens them up and means you can fill them. YYYYASSSSSS

Sorry about the length of the post, i talk too much :A

Piquant_2

You don't talk too much. If it helps to write it down, then that's what you need to do.

I wish I could give you a hug!

You're back on track with the diet, focus on that, not that you slipped up. Perhaps you're just not ready for a boyfriend at the moment, it's better to not have one than to hook up with Mr Wrong!

Your son sounds lovely, you've turned out a good one there, be proud!

I'm subscribing to you diary and I'll pop in and out with virtual hugs and daft advice!

Piq

kerri_dfw

Noooo talk is gooood a diary without words after all is just a notebook

hadahardyear

Hey there sorry i havent posted much, been working a lot of overtime bleurgh

On the plus side, pay day is tomorrow and have managed to save the £1559 i need to pay my holiday in full without using the overdraft. This took some doing ill tell youx

hadahardyear

Soa - then and now
Hiya havent posted for a while and i had written out a whole post then its deleted itself.

I have paid for a holiday and am now concentrating on debt busting, so the top one is my soa for last month and after paying some things off, its my soa for April.
Theres no entertainment included because we are not paying for anything in the short term until this is cleared, i am concentrating on Vanquis, Very and my overdraft. The other ones just tick over.
Nothing in for road tax as it isnt due till the end of the year and this is a short term soa.
My income has increased, but rent has gone up, any advice appreciated
x

Statement of Affairs and Personal Balance Sheet

Monthly Income Details
Monthly income after tax................ 1301
Partners monthly income after tax....... 0
Benefits................................ 549.93
Other income............................ 0
Total monthly income.................... 1850.93

Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 291.46
Management charge (leasehold property).. 0
Council tax............................. 77
Electricity............................. 20
Gas..................................... 20
Oil..................................... 0
Water rates............................. 0
Telephone (land line)................... 45
Mobile phone............................ 47
TV Licence.............................. 12.12
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 160
Clothing................................ 0
Petrol/diesel........................... 200
Road tax................................ 0
Car Insurance........................... 53.45
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 0
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 0
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 0
Bank fee................................ 15
(Unnamed monthly expense)............... 0
Total monthly expenses.................. 941.03


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

No Secured nor Hire Purchase Debts

Unsecured Debts
Description....................Debt......Monthly.. .APR
vanquis........................1250......52....... .53.9
capital one classic............190.......5.........34.9
capital one progress...........195.......5.........26.9
legal aid......................101.......16.45.....0
very...........................370.......20....... .45.9
choice.........................156.......23.52.... .0
aqua...........................333.......12....... .0
dad............................1900......160...... .0
black horse....................449.......10........0
Total unsecured debts..........4944......303.97....-


Monthly Budget Summary
Total monthly income.................... 1,850.93
Expenses (including HP & secured debts). 941.03
Available for debt repayments........... 909.9
Monthly UNsecured debt repayments....... 303.97
Amount left after debt repayments....... 605.93

Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -0
Total Unsecured debt.................... -4,944
Net Assets.............................. -4,944

Created using the SOA calculator at https://www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission, using other browser.

The one below is for April


Statement of Affairs and Personal Balance Sheet

Monthly Income Details
Monthly income after tax................ 1333.33
Partners monthly income after tax....... 0
Benefits................................ 570.43
Other income............................ 0
Total monthly income.................... 1903.76

Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 308.41
Management charge (leasehold property).. 0
Council tax............................. 77
Electricity............................. 20
Gas..................................... 20
Oil..................................... 0
Water rates............................. 0
Telephone (land line)................... 24.58
Mobile phone............................ 37
TV Licence.............................. 12.12
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 120
Clothing................................ 0
Petrol/diesel........................... 200
Road tax................................ 0
Car Insurance........................... 53.45
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 0
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 0
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 0
Bank fee................................ 10
gym..................................... 20
Total monthly expenses.................. 902.56


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

No Secured nor Hire Purchase Debts

Unsecured Debts
Description....................Debt......Monthly.. .APR
vanquis........................786.......30....... .53.9
capital one classic............150.......5.........34.9
capital one progress...........190.......5.........26.9
very...........................370.......20....... .45.9
overdraft......................900.......30....... .0
dad............................1700......160...... .0
black horse....................449.......10........0
Total unsecured debts..........4545......260.......-


Monthly Budget Summary
Total monthly income.................... 1,903.76
Expenses (including HP & secured debts). 902.56
Available for debt repayments........... 1,001.2
Monthly UNsecured debt repayments....... 260
Amount left after debt repayments....... 741.2

Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -0
Total Unsecured debt.................... -4,545
Net Assets.............................. -4,545

Created using the SOA calculator at https://www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission, using other browser.