Don't Panic!

monz

Hope your ok !! Dont worry about it I am sure you will be fine and shame you and you OH arguing xx

October_Starter

Aww thanks Hon.

My OH and I have been talking more this afternoon and I tried to explain things and say that I was worried because it is something that really eats at me. He has agreed to try harder and I have agreed to try and support/show him. The trouble is we come from two completely different backgrounds when it comes to living in tidy homes. He has been brought up in a messy household and Ive been brought up in a very tidy household. I'm not immaculate by any means but when living in a small space, mess gets to me.

I think if we get ourselves organised and into more of a routine things will be better. At the moment it's all messy. We will see

October xx

monz

P.s Just noticed your credit card down to 65.90 amazing!!!xx

beanielou

Keep plodding!

October_Starter

Actually it's up It was on zero as I got my loan to pay it off. I should have it back to zero when I get November's pay. My B'clays app usually shows my loan but isn't at the moment (probably updating) but I have made two payments now so it should be down more. I need to update my signature to be more accurate and include the NSD challenge and the make £10.00 per day challenge.

October xx

October_Starter

Hello Diary and Diary Readers!

:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j

This is definitely going to be a positive diary entry! So I almost made it an NSD on 30/10 but I bought some flowers for my ex neighbour who is putting my DM up for the duration of her week's stay. I think it was worth it.

Yesterday was a day off. I spent the morning rearranging my room which was hard work and a lot of pushing heavy furniture around. The room feels so much better though and with a little more tidying, should be more organised. Perhaps then, my OH and I won't argue over the chores so much.

I went to see my DM and ex neighbour (XN) yesterday. We had coffee at my XN's and then went to look around the charity shops. I found a hippo cookie jar for my best friend's daughter for xmas for only £3 but my DM paid for it to pay me back for some shopping I got her earlier in the week. I bought her some more bits that she didnt want my XN paying for so she paid for a phone holder for in the car (also a charity shop buy). We then went to meet my OH for lunch.

I budgeted so that I could pay for my OH and I but my DM paid the entire bill!! I was nervous about my DM and OH meeting but it went really well and my DM and XN were really impressed by him. Aww

To top off a lovely day my DA and DM had sold an old bike of mine at a car boot. I had told them to keep the money as they did all the effort selling it and they do a lot for me in general but they insisted I keep the money. A fantastic £40! :T It gives me a great start towards November's £10 a day challenge.

I expected yesterday to be a spendy day and instead, I came home with more money than I had spent!

I checked my balance today as I am loaning my OH £100 from my savings so that he can pay a debt. (He'll pay me back on payday). I saw that work had paid me an extra £66 as they didnt pay me my full overtime amount in my pay for October. I am going to leave this in my account as a buffer but if it is still there by the end of November, I will pay off the balance of my credit card and put the rest in my emergency fund.

So overall, I gained lots more money than I spent! I was trying for a NSD today but already spent £4.00 because I didnt have breakfast.

So tired at the moment. Work is all bad news too. It has been confirmed at the consultation that I will definitely be made redundant on 15th December (10 days before xmas :mad: ) and I then have to reapply to a lower or higher position with no guarantee of wages. I have decided not to let this spoil the high I have at the moment with my little money saving bits. Just going to have to work harder to find alternate employment and if the worst comes to the worst, drop down until I can get something else. Money coming in is better than no money at all.

But yes.. Positive vibes! After two days, I am over £100 better off, not including the money I have left over from this week's budget! (£30.92!)

Have a great day everyone!

October xx

October_Starter

Hello Diary and Diary Readers! :j

So here is a very good example of how my life works. I get just over £100 extra on top of my budget and then I finish work and my car doesn't start..:rotfl:

Apparently my battery is shot and it is going to cost me £90.00 to replace it.. Who needs extra money anyway right?!

Otherwise it has been a pretty normal Sunday. Bit tired. DM came and treated me to a C0st@ Coffee and it was yum yum yum! She is also buying me some more oil for my car which is nice of her. I subtly reminded her that she was also on a budget and shouldn't be spending money on me that she didn't have. She is an :A though as it is really helping me out. I feel bad though because ever since I got my first job I have tried not to ask for money from my DM. She knows I'm in debt (not told her how much but she has a good idea) and she worries about it. I am trying as hard as I can to save though. Just got to keep at it.

I am hoping to reach my £10 a day in November goal as my breakdown cover is up next month and I have realised that it is essential as I have used them three times this year and the piece of mind is immense.

Well that's about it on the old debt busting diary for one day. Have a great day everyone!

October xx

in_need_of_direction

There's no reason your mum couldn't get housing benefit. You could even operate via a letting agent if you want to keep things separate from your relationship. Alternatively, you mentioned you were the youngest child. Could any of your siblings help out?

please-let-me-be-lucky

Great news about the extra cash, not so hot about the poorly car and redundancy though. Have you thought what your next step will be on the job front? Xx

October_Starter

I am torn if I am honest. All talk about it depresses me and it is really hard not to just bury my head in the sand and pretend it isn't happening. Today we had a conference call about it and I just felt "What's the point?".

I have been seriously considering trying for a colleague position in Mr A. I feel like something simple for awhile. This job has had so much pressure and I have done it for 3.5years. They company aren't guaranteeing our wages if we step down to a lower level nor are they allowing us to have redundancy money on top of stepping down. I think we are being dealt a raw deal.

I want to get out but I am terrified of not being able to cover my monthly outgoings. I don't want to lose my house, or have to move. My OH has been great and is willing to take on the rent, food etc to get us through until I get a new job but it's really hard for me to rely on that when I have never relied on a partner for money. I have always been the one to pay for everything in every relationship I've been in. I want to be independant. That was the whole point of not living with my DM.

Not sure what to do but I know I need to stop burying my head in the sand and really start looking at things. I'm very tired today. 12hr shift, training and OH got me up at 5:30am as he missed his bus so had to take him to work.

Next two days off though and some quality time with my DM. Trying not to sound down but I feel the pressure more and more and what savings I am making seem so little compared to what I need. I won't stop though!

Your support is appreciated Lucky and everyone else who pops into my diary. I don't feel like I am dealing with everything on my own.

Hope everyone had a good day.

October xx