In the Lowest Hour

MuffinTops

Hello Sam,

How did your ebay items get on? Did they sell yesterday?

Your new signature is wonderful. How did you feel putting in that update? Was there a little high pitched squeal, or is it feeling a bit uphill still?

Do you have any sort of spreadsheet to keep a track of outgoings and incomings? Although I currently have and love YNAB, I started off with a lovely basic excel spreadsheet which was a good reminder of what bills came out and when.

I hope all is ok with you. MTx

MuffinTops

Hello lovely Sam,

Just wanted to pop in and say hello. I hope you're having a more comfortable week!

Almost at the hump too!

MTx

moneyonmymindsam

MuffinTops wrote: »

Hello Sam,

How did your ebay items get on? Did they sell yesterday?

Your new signature is wonderful. How did you feel putting in that update? Was there a little high pitched squeal, or is it feeling a bit uphill still?

Do you have any sort of spreadsheet to keep a track of outgoings and incomings? Although I currently have and love YNAB, I started off with a lovely basic excel spreadsheet which was a good reminder of what bills came out and when.

I hope all is ok with you. MTx

Hey lovely MT

No spreadsheet actually so that is a good idea..I don't budget properly at all I think that has made me low this month I left things too tight. See this is why I need you ...lol get me organised. Going to use Saturday as a positive day.

moneyonmymindsam

Dropped all my prices on e bay just need one thing to sell to get me through next week.

Pay day this week on the 27th ...:) can't wait so tired of being skint .

need a to do list and to get myself sorted out . Am quite low from work.
This weekend I need to get sorted ...

moneyonmymindsam

sold three things not one !!!!!! has paid me yet ...typical ...current cash in pocket £2.72 ...
cash in bank £9 .36 ..
6 days til pay day ...

abba1772

Just read you're diary and what a change from the start you've come a long way xx

Have you tried selling on the fb selling pages I always start there then gumtree then ebay lol hate paying fees xx

Hope your buyers pay you soon

**subscribed**

moneyonmymindsam

abba1772 wrote: »

Just read you're diary and what a change from the start you've come a long way xx

Have you tried selling on the fb selling pages I always start there then gumtree then ebay lol hate paying fees xx

Hope your buyers pay you soon

**subscribed**

Thank you I am trying :D even if its is making me go round the bend xx

moneyonmymindsam

got paid off e bay so happy 20 squid in the bank


booked courier with what was left in pp account


To do - count capsule wardrobe, stop stockpiling I mean I only have one head lol so how many shampoos does a girl need .....

moneyonmymindsam

Roll on pay day 27th ...need to pay bills and do new SOA ..:(


I d like to pay off 329.27 lol - bringing my debt down below £3500


ok I'm going to be knocking off Description................Debt......Monthly...APR
Very.......................... 1529.13...50........0
BC1............................959.59....25....... .0
C1............................. 200.......5.........0
AL.............................885.65....60....... .0
SL.............................255.......255...... .0

...395...

..so I hope to make overpayments - I think I may have been a tad ambitious in attempting paying two off in one go...
Really don't think I can go through same hardship again this month...or can I ?
might look to wipe out one debt rather than reduce 2 ...

moneyonmymindsam

Ok 1700 minus minimal £650 living ..leaves 1050 ..50 set aside for work / travel..and OMG its Easter ...so need to buy a couple of eggs had not planned for that .. £5
£1000 - 5 for eggs ...plus £395 debts leaves £600... Maybe I will use £200 to make over payments?? or clear the c1.


I need a plan ...MT think I am going to need that spreadsheet after all...I need to work out how I can have NSD...