sort out my money

Still working on this one.
I am starting my new job in a weeks time and whilst it’s not alot I am gettting paid a little bit extra which should help a fair bit.

I am being paid out for my untaken holiday leave.. this money I am just going to hold on to for a bit.

Now need money for -

• Phone Bill
• Water Bill
• Evans Birthday present.
• Car Insurance.
• Christmas Presents.
• Washing Machine.
• Fridge.
• Shanas 21st.
• Music Festival.
• Soundwave

Also keeping in the back of my mind I still owe Nana her money

First pay day since I have added this goal.

I am happy, I wrote a budget and mostly I have stuck to it.

Owing

Nanna – 500
Sister – 350
Friend – 60

Layby (Big-W) – 168.83 due 10th June
Layby (Target) – 181.09 due 27th May

I want to get at least one of the laybys off within the next week or so, I know how much of a relief it will be not to have to worry anymore.

I am so stressed out about money..
Especially because someone whom I thought was a friend, is basically ripping me off about $1200.

I don’t want to be angry and bitter about it but the truth is if you can’t trust your friends who can you trust?!

Oh well, I can’t control other people, so I am going to build a bridge and rather than dwelling I will take control of myself and my own situation.

Number one priority in terms of my money is a budget, I have been told for a long time this is what I need to do but for some reason I can’t seem to bring myself to construct one and on the odd occasion that I have I don’t stick to it.. MUST STICK TO BUDGET!

Owing

Nanna – $ 500
Sister – $ 400
Friend – $ 100

Today I will need to call phone company and push out phone bill until Friday.

That way I can pay B back a bit of what I owe her, It’s good because she’ll be getting it when she really needs it.

I like this goal because I know that on completion I will have so much more control, not to mention it also goes hand in hand with my goal ” be more organized “

Right, I’m off to make a budget.. one that I will actually stick to!

Bank are off my back, sorted out and made a payment for my student loan, registered for online banking. I’ve still got to get a savings account, register for online banking with my other banks and then close certain accounts once paid off, but its getting there :-) and there is only so much I can do whilst waiting for money/information.

Pointless beginning my pension at the moment as they are just losing money (I want to know exactly whos pocket it goes to as it damn well doesn’t just disappear!) and I know what a bad state my current one is in.
I need to sort out sudent loan repayments and get that sorted.
Also need to start savings out and build some up.
I have however sorted out the scary bank letter saying I owed £1,600. Oops. Its now £1,100 and I have to use the account occasionally. So its a start. I beliebe an investigation into student loans and all that is up next!