Buffy starts a new chapter...........

Gemmzie

Lovely to see you happy and busy Buffy. Enjoy your summer break

chevalier

hey buffy, glad that you gave yourself a week off. But don't put off the hospital any more. You can't move forward until you know how much impact that is going to have on your summer and autumn.

Keep going mate
chev

Buffythedebtslayer

I can't believe it is almost 11!

I was going to write about my money situation..............yhou know the reason why we are here!

sod it I should do.


Ok, so with the spot thing on my nose I have spent LOADS on skincare, an obscene amount - don't get me wrong I have not lost it totally but was depressed by my face and the doctor did say it was a spot initially so I had booked a course of facials and bought expensive products.

In in my defence I had spent the previous months virtually in tears as the cream the doc gave me made it bleed for hours and work/social life were hard to maintain. Even now it has healed it still looks huge to me.

I have to say the facials and products have made a difference to my skin - I am allergic to one product which is annoying but that can go on e bay! (I did look awful on that basis for a couple of days)

So the long and short is that I have spent on the CC - including facials, vets, petrol, clothes (cough need clothes for dates!) and recent puppy expenses CC =1559.

so I have used my teeny savings to pay it off. I have about 800 pounds across various accounts now. Although not overdrawn or in debt apart from owing my sister 100 pounds.

there is more but I am suddenly so tired! should nap but am going to so there!

xx

Gemmzie

If you're allergic to a product, then they should give you a full refund, most brands do.

chevalier

Hey Buffy
oops to the spending but it wasn't all fripperies so all good really.

Good luck with the surgery.
chev

Buffythedebtslayer

I am currently hating my life and trying to ignore that.

I hate money. Not that I'd survive in a barter system cos I cannot grow or make anything of any use!

I have just argued with Mum over money. I bought the fish and chips last week and she paid me for them - I didn't want her to and to be honest I forgot about it and the £10 had been sitting on the table - well this morning Mum needed change so she *borrowed* the tenner

And then preceeded to a) tell me about and b) scrape around the house for money to replace it with and make out like she had done something awful by taking it without my permission,apologising etc. SHE IS MY MOTHER FOR !!!!!!. like I am going to care. I am sick of her issues over money.

Especially as in the end she said I will take the money out for the guinea pig food which I had said I would pay for but she insisted I shouldn't when she actually went shopping.

I know what the problem is - it's when we went out to the Olympics on Monday I paid for all the food - and she was worrying about that.

I am !!!!ing adult I will spend my money as I please. just stop going on about it like you have done something wrong and putting the guilt on me for saying it doesn't matter.

I can cope to a point with the not liking change, I can cope with the judgements and I can cope with lying a LOT just to keep her happy. that is how it has always been - all three of us do it and understand.

It is the little things that drive me nuts. All the tiny power struggles. I want to yell that they do not matter but they are so important to her. It is her way of exercising control and that is very difficult to ignore. To step out of the game and walk away each time because she doesn't know what is going on my head it is as though I am giving in each time and so it continues. so utterly frustrating and drainging and boring to go over the same ground.

and please don't write back stating the obvious - that I need to move out. I know this and telling me doesn't help.

It is the plan but it is not going to happen for some months yet.

for now i just want to rant. and feel guilty

beanielou

Feel free to rant Buffy.
Its your diary and you can rant if you want too.

Happy Saturday xxx

Buffythedebtslayer

Ok, so today was not the best day ever in my life. However the Olympics have cheered me right up!

:j:j:j:jGO TEAM GB!:j:j:j:j:j

such a thrilling evening so inspiring to see these people who have worked their backsides off achieving their dreams.

Back to my life for a sec

I do hate Saturdays, in fact strangely I dislike the weekends. too predictable and annoying - and yes I know I could change them but I think mostly my problem is I want to be left alone just to be and not HAVE to do.
sis spends three hours round here in the afternoon and EVERYTHING stops. Plus today I was really ill. hate being ill with visitors in the house!

the routine gets on my nerves massively.

Any how I am on a bit of a high re the Olympics. It has reminded me how important it is to have dreams. Since being debt free I have been slightly aimless - yes I am still studying but not brilliantly hard(!) still in !!!!!! job purely for the money and living here because well honestly I do not have the money to move out. Ironically I could easily pay the mortgage my friends pay but the rent here is mental atm. plus of course there is the constant I want to buy!

Before the skin cancer (remember any new readers, it is not the dangerous kind) I was going to get a loan and use that as my deposit.

Now if I get a loan it will go on my various costs - MA, teeth and Nose (!)

SO I need to start seeing the house deposit as a debt ( I have said this before and it sort of lingers in the back of my mind along with a long list of other things!)

With this in mind,

I am Buffythedebtslayer and I am 16,000 pounds in debt.

a new light bulb moment!

Effectively with the loan (or 0% cc deal) I will be able to pay back around 700 pounds a month, so untill I get the loan I will pay 700 to my ING savings acc where I cannot touch it. Well I can but I am !!!!!!ed if I can remember the password!

I have a £1000 emergency fund across various accounts which I will continue to pay into.

Tomorrow's tasks

1. brief shopping trip
2. Box of doom
3. sort cc cards out. check 0% deal.
4. book hopsital apointment.
5. Clean out animals
6. buy batteries and medicine and guinea pig food
7. find passport.

suddenly sleepy!

Night all xxx

Pooky

Oh I didn't know you had a new diary! :wave:

Have you thought about shared ownership housing? The deposits are normally much lower and being a teacher I think you qualify for some of the better deals. If not have a look at any new development near you (search the building company's site) as sometimes they offer to pay your deposit and legal fees.

Buffythedebtslayer

Hello Pooky I have thought about it, a couple of my colleagues have got deals through the borough but they are linked to the job - not sure I want that. I will investigate as there are new developments round here.