Finally reaching out for some help...

Cherryjack

Thats great every penny helps

kerri_dfw

I have a feeling a few bidding wars are going to go on today. I'm going to guesstimate £55 gets sold... let's see shall we I'm hoping todays fleabay and next weeks fleabay will be enough for car tax, then I won't have to dip into the emergency fund.

Have also worked out that I have £15 in amazon vouchers from surveys with another £15 due when I finish the 3rd in a 3 part survey (think they'll send that next week). So £30 off the kindle. (Have also noticed that £90 - £15 = £70 not £65 like I thought previously, d'oh!)

kerri_dfw

Gahhhh I've got a deficit of just over £400 for next month without taking food into account =-/ Quite worried about this as I can't cut back anywhere. I thought I'd be ok but Lloyds still haven't paid me. They owe me £1900 which will put me in a really good position, but if they don't then I'm in a bit of doodoo.

My friend has offered to loan me £500 to tide me over but I feel really bad accepting this, I might have to though. He'd rather I did that than take out with a payday loan company again

Anyway fleabay has resulted in £70 of sales that will help me get through next month. Off to watch the hot Irish doctor on Holby now om nom nom

kerri_dfw

Ooh juicy bit of gossip... When I last went on the razzle dazzle with my uni mates I went home early so missed out on all the fun apparently. One of the girls kissed NeverBuysARound, which is odd in itself as none of the girls fancy him. But then when he went off to get drinks, he came back to find her pulling MissedHisChance. This led to NeverBuysARound falling out with everyone for ages. I'm finding it really, really funny. Not only because it caused such a fuss, but because I didn't expect her to be such a hussy. I think Saturday night is going to be very interesting. I've requested drinking games Twister. The more I can drink at drinking games with £10 bottle of vodka, the less I spend on the £4 single vodka cokes at the bar. I'm a cheap date as it is, but I cannot wait for Saturday.

Cherryjack

lol love the gossip.. yl have fun at the weekend :-) got to love twister haha
grrr at lloyds wish they would hurry up and sort it out.. good move not going to the pay day loans..they are complete sharks!! will you have the deficit each month? or something big to be paid like deposit on the new place? hope u can sort... hope you get your current deposit back xx Fabby on the ebay sales

kerri_dfw

thanks Cherry, I'm winding MissedHisChance up at the moment which is great fun as I know he's too shy to do anything. But I'm bored this evening and I've been watching too many hot vampies and not seen the OH for over a week now :O

I wish Lloyds would hurry up too. It is partly my own fault, I bought loads of sewing stuff with my rent that I kept instead of getting a deposit back. Should have saved it but I was in denial. My deposit for the new place is £1200, so after that's paid I'll have about £700 a month after this paycheck. Will be much happier in the new place too, more social and will be able to meal plan and loads of bulk cooking due to having my very own fridge/freezer yippee

Off to watch some more hot vampires now.

kerri_dfw

Tablets taken, arrived in work on time for once, gave myself a mini-asthma attack running up Old Street tube escalator, still recovering an hour later grrr. I hate that my lungs can't handle cold air. Have text Miss Pink to see if she's up for going jogging when I move in, need to get fitter. Saying that the not eating dinner diet is working well for me, I've got my shape back and I'm no longer bloated I do make sure I eat lots during the day though, museli and yoghurt for breakfast, soup and roll for lunch, lots of fruit in between and the odd bar of choc/bag of crisps. Although not meant to be having choc this week.

£5.21 went out of HSBC today as the interest on using my overdraft. So today is not a NSD, and if my postage bags arrive today then it won't be a NSD tomorrow either grrr. Then it's payday on friday so maybe a NSD but I can't remember which dd's go out when. Oh well.

Not everyone has paid me for the ebay items either which is an annoyance, hoping they pay me today. Really hoping I worked out the postage properly too eep.

Best get on with some real work.

kerri_dfw

I'm really cross, Lloyds still haven't paid me and this means my OH is insisting I can't lend him any money like I had previously offered. I've sent Lloyds TSB an email to let them know I have had enough and that I will be filing court proceedings if they don't give me a payment date. It's been 15 weeks now and I've had enough of their lies, fob offs and "we've been told not to give you a date". I feel really carp about it because they sent a recalc letter dated for the date they sent the letter, this just takes the biscuit if you ask me.

Anyway, I had soup and a roll for lunch today. But can't have it as a NSD because I had my HSBC interest come out of my account. Although I haven't taken my purse to work all week, which is a really good thing.

I've miscalculated my fleabay postage which has really annoyed me too, one item even though it sold for £5+ will be a loss because the postage is so expensive. Will post them tomorrow for an accurate figure. I've sent messages to the people that haven't paid me yet so hoping that'll speed them up. There is a nice tidy spot where the stuff used to be now though.

Feeling thoroughly fed up so going to cheer myself up with some nice TVD Ian Somerhalder... ooh and FYI Josh Holloway is in the next Mission Impossible

kerri_dfw

To stop my OCD playing me up I've just paid £2.50 off my Wescott debt. Bet it'll cost more to process it, but that'll teach them to buy debt.

kerri_dfw

I've just been telling my OH how reading that other people are also tackling their debts is providing me with loads of support and encouragement. I'm so pleased when I hear that someone has paid x amount off from their loan/credit card/etc. Then I start thinking, hang on I have £1 in the bank, let's chuck it at something. Then I remember I have to buy postage tomorrow *sniggers*. But seriously, it's amazing the amount of support and encourage that people are giving to complete strangers. The one thing that bonds us is that we love to spend what we don't have. I've already seen a drastic improvement in my spending habits (used to buy lunch everyday).

I did have a really long hard think on my way home today, the driver on the tube told us of a "one under" between Warren Street and Euston. I thought long and hard about what that person must have been going through to think that was their only option. Tomorrow I will try to do at least one good thing for someone else, as you never know it might make all the difference.

Back off to watch more hot vampires, I'm totally having a "staring at hot men" penalty from pay day hehehe.