Dear Diary...

Bad_Weather

THANK YOU PLMBL!

Was worried I was being really harsh there!

Ohh the anger! A FCUK t-shirt vs a musical santa! I hear ya!!!

Definitely, I'm all for bargins aswell if you get it cheaper. I got my friend some sale Jewellery would have been £18 full price but got her them for £11, she put them both on instantly and has not had them off since!

And the bill thing, they do it ALL the time. After the secret santa nonsense I could not sit there and let them take them mickey anymore. Also I would never sit there knowing my meals was costing more the double someone elses and expect them to pay the same as me! I would straight away say Ill put £10 extra or something in!

I mean honeslty, I will bet a small fortune that the next time we are out for dinner they will not order the most expensive item OR a bottle of wine incase they have to pay for it themselves!

Plus they do it on rounds aswell, for example one instance I arrived late and went to get myself a drink, they then said can you get the round a drink, so I paid for a full round then sat down , then the next time they went up to get drinks they said its £20 heather - WHAT? They said we are doing a kitty now, not rounds anymore. Aye cos the person who was supposed to buy the last round passed it to me when I had just arrived (conveniently the cheap secret santa and steak girl) and pocketed their £20!

Argggghhhh!

I honeslty am more mad at myself I think for ALLOWING these things to happen. And this was me still thinking that I was starting to get better!

I swear not anymore. I am going RoboCop on the cheapies!

Look at the updates on your signature! You are an inspiration!!! x

Bad_Weather

MUST STAY AWAY FROM SALE!!

Only things I am allowed to buy:

Rab fleece x 2
Seal Skinz socks
Snowboard clips
Some base layers

Sitting going through my Credit Card making alist of the items that are to come out of the joint account!

My hubby to be also owes me about £500 to it.

I love him dearly but he seriously takes the mickey sometimes. He will pay me, he just strings it out and I tell him I NEED it! Reading a few other diaries of terrible OH's makes me think that he is not actually that bad And Ive told him that once we are married are finances are joint so we both need to discuss any credit cards or financing that we get. Or I'll divorce him...

Still got to transfer Around £100 from joint account, but will wait until end of month when the January funds get paid into it.

I can't really believe that I am going into another year with credit cards still hanging over me. I'm actually ALOT worse off this year than when I started it. At least I have got rid of my overdraft - one positive. I hate an overdraft, had it since I was 18, was the hardest thing I have ever cleared.

I dream of the time when there are some extra costs that month and instead of putting it onto a credit card (like i always do) I will dip into my nice savings pot.

In my head I have an idea of £10k savings post - which is an absurd amount but to me feels like a "safe" amount. LIke there is not many things that can go wrong that will cost more than £10k?

I don't know - but that is my figure!

Anyway, straight after the wedding my goal is to hammer the credit cards with everything I have got.

I know it is supposed to be a lovely time, but i just want this wedding over and done with, so when we are talking about money we are not factoring it in.

I really really need to get my house sorted aswell, it is getting there slowly but still things are everywhere.

At least more things are getting chucked out as time goes on aswell. Yesterday was another T-shirt and a waterproof jacket I bought for festivals that was not very waterproof and highly unlikely I would ever wear again!

Going to go through all my cheap jewellery and get that chucked aswell - glad I kept some seriously big and blingy Mikey earrings (that cost £30 EACH about 5 years ago), as they are just jewels so have not went tarnished and have looked super glam on my xmas nights out! A good purchase for once! Got lots of stilly little studs that need chucked, and some old gold ones that I am thinking I will get melted down and made into a bracelet! I have this fake gold bracelet that is identical to a real silver one I got in egypt and I wear them both together, would love to get a real gold one made. THINK that is exactly what I will do with the gold...

Wore the mikey earrings with a dune sales bargain - shoes that were £110 down to £35 and a matching dune bag that was also like £60 but I got for £30.

Wore them for 3 of my xmas nights so getting the value for moeny out of them all the season

Anyway that is enough of my random thoughts again today!

SPent £5.10 on a salad for lunch, only spend today! x

please-let-me-be-lucky

Merry Christmas BW Xx

Bad_Weather

:santa2::xmastree::xmassign::xmassmile:rudolf:

Hello All! Merry Christmas!!

Sooooo this post might sound all doom and gloom but I am actually very merry and happy. Just suppose I am aware that things STILL need to change! ANd reassessing things on work on a Friday

I had a quick read of some of my old threads and really...not much has changed. I am still in debt and still, clearly, a bit bitter.

Started in 2009. In 2011 I still had about 4k of debt - I have more than this now. All be it, that some of that is for the wedding, it is nearly 3 years later and things are worse!!!

Also today we are off for a weekend in Edinburgh and sure enough, nothing is organised and I am scrambling about trying to find clothes and mathcing jewellery and matching shoes! Toiletries EVERYTHING. I am so annoyed at myself.

I honestly have some lovely LOVELY clothes and jewellery and accessories but half the time I never wear it as i cannot FIND it. So for example this morning I managed to find the lovely sparkly sterling silver earrings I bought for when I was a bridesmaid, but can I find the mathcing ring and karen millen bracelet - ERM NO.

I also dug out my gorgeous expensive purple dress, but can I find the nude aldo shoes and clutch and cluthc I got to wear with it? ERM NO!!!

My lovely and expensive Coast shawl - also missing. It is down at my mums but my mother trys to steal/snaffle things and says it is not. But i know it is...

I get really really annoyed with myself. I still think the problem is I have too much stuff! And the lovely stuff I do have I have no idea where it is.

I always put things into bags, I am thinking about scraping the bags and getting some clear boxes and putting everything into them. ALSO thinking about getting these clear jewellery drawer box things you get so I can SEE where all my jewellery is aswell. So i do not go raiding box after box. Right now I am thinking I have about 10 boxes that need to be binned asap.

ANYWAY enough of my failings! ALthough I want this SORTED ASAP. Especially for the new year, I do not want to go into a new year with chaos in my house. Start as you mean to go on.

Christmas was lovely! We cancelled christmas but OH and I still got each other little gifts that we were not supposed to, i,e OH got me Jo Malone perfume as he knows i love every single scent from there! He did good Blackberry and Bay cologne - I just love it, and even the wee bottle it comes in is so sleek and gorgeous!!!

My family, came up trumps and I am ASHAMED of my rants towards them. THey all got me a little something, and I told them not to get anything, my sister told me to be silly it cost £5 and she was not having me not having anything on christmas day!

My other sister did the same and got us a bottle of champange and my sister also gave me my belated birthday present, a lovely charm for my bracelet. I was like ohhh I completely forgot (I did not obvs) and she said you didn't think we just got you a bottle of wine for your birthday did you...DOES SHE READ THIS?!?!

Even OH bro and sis got us good presents and honeslty they usually get us junk! Or really weird presents. GOt us really cool coffee things this year (as we are both addicts).

I should be ashamed of myself. For my greed and bitterness!!! I still think though that if OH and I are serious about going abroad that next year we will need to stop all presents. So maybe just give them little things at £5.

Mum gave me £20 and some lovely toiletries and candles and some fancy philosophy bubblebath. AND the in laws gave me some lovely toiletries and bits and bobs and £100 cash!!! They both loved the presents we got them, and that is a result let me tell you!!

OH does not like getting money, but I do. I used to put it towards debt or day to day costs so did not like getting it. But now I make sure I put it aside and acutally buy something with it. I think that is why I like getting it now! I have already puchased a Rab fleece jacket thing I was looking at that went into the sale (not by much) was £130 and went down to £107 so got it before my size disappeared!

Got my eye on some gold chocolate diamond earings on etsy so the remaining £20 from my mum is going to go into my pot for them one day. I think they are like £270. But they are big, real gold AND have real chocolate diamonds. I have one of those savings pots that you smash when full so I will put the £20 in there an hopefully soon get them. Remember I am never buying cheap jewellery again!!! SInce I have spent the last 2 weeks binning cheap earrings that have went tarnished. And cost £10-£20 a go!

Can't think of much else, not had many spend days recently, except for petrol and food. STILL need to transfer over money to my credit card.

Booked the coaches for our wedding. We were getting quotes of £680 and were ready to pay it when I found a company not that far away for £185! BOOKED TODAY! That is almost a saving of £500 and it is a really nice white bus! Checked out reviews on wedding forums and not a bad word about them!

IS 2014 my year? It blimming better be!!!! :T I have a feeling it is, when reading my last emails I could see how everything was a constant struggle, but it doesn't seem like it just now? Last year has had some serious downs (I have never mentioned them in posts) and even though I have the more debt, so maybe I am more on top of things than I realsie? Or maybe I jsut know I am a LITTLE bit better with money? I.e I do not buy hundreds of clothes with tags on them anymore. If i buy something I wear it. Straight away!! I dont have a super expensive mobile phone bill anymore.

Also having a lovely home to go home to when things go wrong really really helps. Which is why I can't help but thing that if i just got my lovely home ORGANISED than at times like this when I am on the go and everything is frantic/hectic that It would make my life a little bit easier to at least know where everything is! x

I have went slightly mental with the wedding, but thankfully that will pass

Anyway! Sorry for boring you...I am in work on my own on 27th of December! I had to talk to someone :rotfl:

Bad_Weather

Well update!

Positives:

Weekend away to Edinburgh was good fun! Spent £15 on the Friday and only spent £10 at the wedding! £10!!! OH was not so lucky and spent much more. Everyone was doing rounds and as I have been ILL I told them I would opt out and sort myself with some white wine in between waters. This is obviously not including the cost of the accommodation and train fairs etc. But still as they had already been paid it seemed like a cheap weekend.

Found 6p roadkill - my new thing. But then OH asked for his newspaper so he didnt need to split £10 so I gave him my £5p. Least I was still up 1p!

Just sitting watching Real Housewives of New York - for some reason these shows make me want to get me debt clear?!

Anyway. OH and I have agreed no more nights out in 2014 except for our Hen Weekends and Stag dos until the wedding. It is a good excuse for a break and we are skint and I need to detox!

And started clearing out the jewellery boxes! Will hopefully help with my organisation

x

Bad_Weather

Working again today. We have zero food so purchases will need to be made.

Dying of cold so going to go to Docs today to stock up on things, need creams for excema, need omprazole, need inhalers, need antibiotics for cold/flu thing I have going on. It is not fun. My body is shutting down on me.

Upset with OH who, FOR SOME REASON, will not just set up a standing order with his monthly payment into the joint account. Seriously *&$£"%^ me off (insert own swear word). It is a guessing game when he will transfer it, and last month he transferred it AFTER the rent and bills had came out, we were very lucky that there was actually enough in the account. We have also went overdrawn before because of him and his non transferring. A cheeky text message has been sent.

Been trying to get organsied last night after the trip to Edinburgh, I know I must sound like a broken record but I actually do have so much stuff. Even of the stuff I could/would wear (and not including the stuff I am chucking out). Must constantly remind myself this so I have zero purchases in 2014.

I have been looking at jewellery on the internet and I have so much jewellery aswell. For example today I am wearing my diamond watch and 2 yes, 2 pandora leather bracelets I have. With my real silver hoop earrings.

The mind boggles why I then look to buy MORE jewellery. I have a serious shopping addiction! x

please-let-me-be-lucky

Remind me never to let you look in my wardrobe, it will look like a charity shop rail to you :rotfl:. Primark, Asda and New Look are about as labelled as I get .

Glad you had a good weekend in Edinburgh and hope you can sort out OH and his standing order aversion Xx

Bad_Weather

One of my most commented on dresses was an Asda number No one believes me when I tell them it was £16 from George!

I have vowed this year I am not buying ANYTHING that is french connection or karen millen unless it is in the sale.

My cheap friend and my sister and law NEVER EVER pay full price for these brands, they always buy it in the sale or outlets!

A blazer I paid £150 for my sister in law got in a different colour for £40 - annoyed? Me? Noooooooooooooo I was flipping RAGING! x

Bad_Weather

So yesterday upon reading a girls diary (fedupandskint I think) who is giving herself a £100 a year clothes budget as she is trying to clear like £60k in 4 years, I decided that I would give myself a £1,000 clothes and jewellery budget.

SO now deciding whether I take my £50 sales purchase out of this? I think I should it was made AFTER I decided on my budget.

Bought myself a royal blue blazer and black necklace from Oliver Bonas a shop in Glasgow. I also treated myself to a £6 pair of samll sterling silver heart earrings - why? AS it was £4 postage or FREE if I spent another £6, so I would rather a pair of sterling silver earrings than pay for postage...

My sisters are both annoying me today. One of them asked for my LoveFilm password, normally I would be fine iwth this, however she had swapped her friends lovefilm for netflix (I think you are allowed it on 2 devices) and I had asked for that before and she told me no. BUT she has since not really talking to her mate and moved so now she wants my password. I told her no. I expected some protesting but she accepted that, possibly after I reminded her of when I asked for the password and she said no.

Also I woudl be getting nothihg out fo this deal as I would only be giving her my lovefilm (OH father pays for our netflix).

It is petty but A - this is the sister who has just moved into an amazingly gorgeous huge 4 bedroom (not including didning room and utitilty room and the 3 bathrooms) 2 floor cottage with a huge garage and garden AND she told me NO before. So why should I be paying £14 a month for my lovefilm and her getting it for free...?

I sound horrible but would like to remind myself and everyone that I asked her before and she said no. SHE SAID NO!!! YET she is minted and living in a huge cottage.

AND as reminded on the Real housewives of New York - this is how the rich get richer. When the girl who was the "poorest" of them all was always left to pay for everything. THAT IS ME!!!

So clothes budget - £1000 / £50

please-let-me-be-lucky

Happy New Year BW Xx