Buffy's 30 Month Plan

Buffythedebtslayer

beanielou wrote: »

Enjoy your lunch with your friend. Xx

It was really nice She is getting married so we talked about that and I told of her my amusing dating adventures! IT was was a good time.

I am going out to watch the football tomorrow night

I need to check my CC bill

XXX

Sun_Addict

Glad you enjoyed the lunch with your friend xx

crazy_cat_lady

That song will for ever make me laugh, which is a shame because I used to love it.
When I went to Fuerteventura at the beginning of the year with the kids - we saw a sea lion show, and the two trainers did some sort of routine with the sea lions to this song, which just seemed wrong on every level. I can still picture a girl and a sea lion holding hands/flippers and spinning round in a circle.
Anyway... onwards.

Buffythedebtslayer

Checked CC,

This month's bill is 528

And it really is 700 ish.

Due on the 9th September.

This is kinda disappointing. Especially as I have looked back over my spending and it is things like clothes, a book for school, the fish tank stand(73), the extra bits for the rabbit cage (94), some shopping (50) which were all important but then it is loads of little bits.....none of which were ridiculous.

In one sense I should suck it up and pay it with my savings but I really don't want to. don't get me wrong, I am ok really just annoyed with my self that I still think I can spend freely when I really can't.

Mum owes me about 70 quid, I should be getting some refunds off the card as well. That should make about 100. I accidentally paid 100 to my old credit card. So that would make it 328.

I did originally plan to sell loads to pay off/make some money.

I am off to have a think XX

Buffythedebtslayer

crazy_cat_lady wrote: »

That song will for ever make me laugh, which is a shame because I used to love it.
When I went to Fuerteventura at the beginning of the year with the kids - we saw a sea lion show, and the two trainers did some sort of routine with the sea lions to this song, which just seemed wrong on every level. I can still picture a girl and a sea lion holding hands/flippers and spinning round in a circle.
Anyway... onwards.

:rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl:

Pooky

Is there a reason you use a credit card for all these purchases rather than just a debit card? We only use our credit card for planned purchases and I transfer the money over as soon as I get home and check the item (I.e. brought some curtains last week but didn't pay them off until I'd hung them incase they needed to go back) but all everyday spends just come from the current account so I can keep better track. I know how much there is for general spending during the month and mentally keep track subtracting each purchase. When we've run out, we've run out. No shoving it on the credit card.

In the month since we moved I'd not been out much so spends were low, I managed to buy our log burner and make a mortgage overpayment (not even paid the first proper payment yet but a month ahead of ourselves already) out of our normal budget and from our grocery budget (thank you lots of free veg from the allotment and being too knackered to cook much)

What's the X-ray needed for, for the rabbit? Did the guinea pigs move outside?

Yay to dates! Hope you get to see him again soon

Buffythedebtslayer

Pooky wrote: »

Is there a reason you use a credit card for all these purchases rather than just a debit card? We only use our credit card for planned purchases and I transfer the money over as soon as I get home and check the item (I.e. brought some curtains last week but didn't pay them off until I'd hung them incase they needed to go back) but all everyday spends just come from the current account so I can keep better track. I know how much there is for general spending during the month and mentally keep track subtracting each purchase. When we've run out, we've run out. No shoving it on the credit card.

In the month since we moved I'd not been out much so spends were low, I managed to buy our log burner and make a mortgage overpayment (not even paid the first proper payment yet but a month ahead of ourselves already) out of our normal budget and from our grocery budget (thank you lots of free veg from the allotment and being too knackered to cook much)

What's the X-ray needed for, for the rabbit? Did the guinea pigs move outside?

Yay to dates! Hope you get to see him again soon

Basically...............I don't have a set budget . I have things like rent, savings, insurance, phone bill and charity paid for and then what is left is mine to what ever with(in theory cover clothes, nights out, pets, birthdays, food etc)and it is to cover whatever expenses I have that month...i do it on the CC so I don't accidentally go over drawn and I did used to pay it off honest!

Planned spends... nope more like impulse spends. And it happens in the summer more. So when I decided randomly I wanted to move the small fish tank (it is in the window) I looked for a suitable piece of furniture(73 quid) and bought a bigger chest of drawers (50). I did know I wanted to redo the rabbit enclosure and was going to use savings for that. New make up and clothes, not something I budget for directly, normally buy them from my spends money in term time.....when I went out with my friend and she confessed to screwing up her finances I paid for dinner etc...she has been a good friend for 20 yrs and was a bit of a mess. Also the dog grooming went on the card(70) (I have money for that though) night out from work (40 quid) and the Dogs' vets (70)

Now I suppose if I had the money from my wages in a normal month without having to use them for the previous month's CC bill (!) in a normal month I would pay for that. Not the rabbit stuff or the furniture. And I do put money aside for the dogs.


If I think about it I have only paid off my debts because of the PPI pay outs. It was through working out a budget was it!

I did (and do) save money for the summer each year - 600 so I guess I do budget for the summer overspend. I just wanted to add it to the savings - but then I should stop spending!!! Can't have my cake and eat it too..... And I haven't even put any of the furniture up yet !!

I should use the summer savings to pay the bill and have a clean slate for September. And then just work out a proper grown up budget and work even harder for the savings target.

Plan?

xxx

Buffythedebtslayer

oooooooooooooooooooooo not well! got up and walked into every door in the house! Feeling very shakey.

Feeling a bit weird for other reasons as well. Yesterday I was meant to meet up with D ick but something put me off so I cancelled - I didn't think he was that up for it and when I did cancel he wrote a load of guff basically and I felt that I was right to trust my gut. I feel like I have moved on.

Really not well today tho. bloody hell i feel rough.

XX

in_need_of_direction

Take it easy and well done cutting your losses

Pooky

Trust those instincts!