can i do it?!!!

bridget81

sorry its a quick post running late!
yes i did thank you, ut naughtily i used it to buy little lad some new shoes and clothes, swimming shorts and some more arm bands (other pair were at grandads house) and we went swimming!

tut tut, i know, i should have paid some more off visa..

thanks again

bridget81

little pixie, i looked into nursery vouchers but OH is self employed so cant get them and when i looked into them through work it wasnt beneficial for us at that time, but i shall look at them again. thanks for that.

bridget81

Morning all,

sat watching gmtv, and looking on here and just heard that Coleens wedding dress costs about £100-200 grand!!! OMG that would clear all my debt including mortgage!!!!!

i can only dream of a wedding like hers.....

on the debt front, virgin payment has been processed. It looks like i'm going to go over on petrol more than i thought, cost me £70 yesterday to fill up and i dont get paid for another 2 weeks. i can probably spend another £10 but then i'll be over my plan and end up using my overdraft. (however i have so far done 55 business miles this week and i get roughly half back at the end of the month or when they decide to pay it you)

well, thats about it for me today..

good luck all on your journeys

bridget81

so much has happened since i last posted...

firstly as you may tell by my signature i have fallen off the DFW waggon big style and spent about £2500 since i first started my diary in april..

secondly i have had a miscarriage so feeling a little sad, hence some retail therapy, not that it will make up for it and i now feel worse for spending the money.. im considering taking back some of the clothes i bought for myself, but cant take back what i bought little lad or OH as he doesnt know how much i have spent, he thinks ive been saving. if only he knew.. and i cant tell him he will be ever so cross.. i'm hoping there will be no need to ever find out, i know i know i should really tell him but i cant it will hurt him so much and i sont want him to fel disappointed with me, im feeling enough disappointment already with myself not only with my spending but what has happened..

things seem so black at the momentbut i need to try to think positive...

i have worked out my budget (again!!!)

and i am hoping to be DF in 12 months..

this is where you guys come in, i need that push to try and speed things up and see if i can make up the 2 - 3 months i have now added onto my DFD.

i already work full time and im a mum, OH works 6 days a week, i also help to run business, make sure admin is up to date, and run the office side of things, staff development, business development, customer service feedback surveys, wages etc. i do this when i take an annual leave - odd days off and evenings. obviously i dont get paid for this as its for our business and to help OH out, and enable him to have sundays off so we can have family days.

i make cards in the evenings as i dont like watching tv. i see it as a waste of tme when i can be usuing that time to make money to clear debts.. however i cant sell the cards i make - ive done craft fairs for a local childrens hospice but they are so quiet it usually ends up costing me money, ebay is not worth it as there are 1000's of cards on there, i have emailed toggle or tuggle or whatever it was and not heard back from them, it was on the up your imcome board. i have been on that board, hunted and hunted and cannot see anything i would be able to do. i have registered for mystery shops and not had one yet, by the time i get home from work and check emails they have all been taken. i dont think i am clever enough to AQA as i am only good at what i know if that makes sense.

i cannot reduce anything, as OH pays all the bills, i do check regularly on greasy palm etc and look for cashback deals on things such as life insurance and i get to keepthe cashback earnt bu other than this i dont have the money to spend in the first place to buy to get the cashback if that makes sense.

so im now stuck and cant thin of anything else to do.. i have nothing left at the minute to ebay and not got enough stuff to do a car boot sale.

i have looked at joining kleeneze, i already do in a loose term phoenix cards, but struggle as not got many friends i see as dont live local, plus dont like asking them as i feel i am begging. plus my upline is not helpful at all.

i have also looked into other party plan option to do in an evening.

i just want to get the figures in my signature down asap as it is beginning to get me down that i am not making as much progress as other people on here and i feel i am getting no where.

any advice as to what i can do.

i dont want to balance transfer my overdraft, i know it sounds daft as i pay interest on it, but if it is there i will use it as i have found out when things are difficult and not in a financial sense. plus OH doesnt want me to close it as he sees it as a big buffer as he is self employed just in case. not that it would be much help at the minute as it is almost full. and i have scrutinised my SOA and no lee way

sorry for moaning and it being a vert bitty post.. just needed to write it all down and get it off my chest..

Keeping_Motivated

Hi firstly hugs I am sorry about your miscarriage. Very sad time I am sure and also all those hormones will still be around no doubt so no wonder you are feeling down etc, I hope things settle down for you soon.

As for not being paid for helping your OH with his business but would it be better to take a wage for tax purposes IYSWIM, better than giving it the tax man?

If you want to do some kind of party plan would you consider Ann Summers? If you read Immoral Angels thread she is doing really well with it and I am sure she would give you some advice?

Also do you keep a spending diary? Writing down EVERY single PENNY can really focus you and make you realise areas that you can cut down that you didn't even realise needed cutting down if that makes sense, so don't underestimate the importance of this.

And finally take back as many of the clothes that you can so you can instantly bring down the overspend without much effort.

Take care
KM x

bridget81

thank-you for your post keep motivated.

i am feeling a little more positive now, currently sat having a cup of tea and harrassing my friends to buy cards, decided it is not begging as they are getting something for their money.

i have done ann summers twice and absolutely loved it, once while training to be a nurse, then while on MAT leave with my little lad to keep head above water. I earnt loads and would love to go back to it. My main problem is that OH works late most nights so it would mean i would not see him plus i know a lot of people who did and still do ann summers so it would be easy ish to get back into but i found it hard doing the parties while i was working as i dont get home till 6pm, sorted tea and then it was time to leave for the party so i didnt get to put him to bed. i know like i sound like i am making excuses, but i did do it for 4 months while working went i first returned to work, and i was so tired so decided to go back to work full time and get rid of the party's. i suppose with phoenix i can do catalogue drops and coffee partys at mine for friends and this is something i can do to a wider group of people and while i have my little lad if you can see where i am coming from. But i did love it and have considered going back, maybe if i do get lucky again, could consider again while on MAT leave..

as for the hormones, yeah hey probably do have a lot to do with how i am feeling...

anyway, thanks again :beer:

Keeping_Motivated

Completely understand why Ann Summers wouldn't suit at the moment, I am all for earning extra money but if at all possible not a the expense of family or sanity so its always got to be balanced out.

Something will come up I'm sure and I'm sure that the fact you on this board will mean you will sort the money issues out in due course.

Just take care of yourself and cut yourself some slack for things that have happened lately and your reactions to it.

Take care
KM x