Wandering mind...

Only a day and a half till surgery and I can hardly keep my mind from wandering off to thinking about it, I'm at uni today but I don't think any of it is going in!!!

Plus with work crapness over the weekend, I'm going to have to leave before I just crumble into a crying mess..

Surgery surgery sugery...I don't want it, but I need to know..

Oh I need distractions.. if uni can't do maybe havinga quiet night in with the telly and the boy will help...

:(

Who is rich? He that is content. Who is that? Nobody - Benjamin Franklin

So I started uni this week and it is really good, it's nice to be learning something new :)

I found out today that I can get two busaries a year which I don't have to pay back, I got the first one still awaiting the second one, also I called my student finance direct and they said since I havent' lived at home for about a year (I said I lived with my rents, stupid me!!) that I could get more money by basing it on our low income.. so I am in a very good mood this means I might be able to leave my horrible horrible nasty job!!!!

Plus boytoy has a job interview next week, fingers crossed he gets it he will be so happy!!

Other than uni and being upset at work, I've been selling things on the internet and trying to make some cash to pay of my credit card, I have made nearly  £100 to pay off the credit this month, which brings me down to nearly £350!! Plus boytoy also said he will give me some cash for a bday present so will other people so that can go strainght on it..

I also brought loads of xmas presents today and I have brought more wedding bits and bobs..

So I am in a really good mood, next Wednesday I am still alittle nervous but I do have 5 days off in total!!!

Snowball Debt

I used thier little calc to figure out my debt well my cc which is the most annoying, the loan will be paid off in 3/4 years time so I don't really think about it, after joining moneysavingexpert.com, I'm trying to hit my debts head on and get it paid off according to the table I will have it paid off by sept 2009 but I want it done before then so I am doing thier payment a day and hopefully I will pay it off all by myself by next year.

It's my birthday soon so hopefully I will get money for that and use that towards my debts and also I am going to sell more things on ebay today :)

Date	Total Debt	CC (19.90%)		Total Debt	Interest
		Balance	Payment	(EOM)
Nov 08	£466.73	£466.73	£50.00	£416.73	£6.82
Dec 08	£423.55	£423.55	£50.00	£373.55	£6.31
Jan 09	£379.86	£379.86	£50.00	£329.86	£5.58
Feb 09	£335.43	£335.43	£50.00	£285.43	£4.36
Mar 09	£289.79	£289.79	£50.00	£239.79	£4.05
April 09	£243.84	£243.84	£50.00	£193.84	£3.17
May 09	£197.02	£197.02	£50.00	£147.02	£2.48
June 09	£149.50	£149.50	£50.00	£99.50	£1.63
July 09	£101.13	£101.13	£50.00	£51.13	£0.86
Aug 09	£51.99	£51.99	£50.00	£1.99	£0.03
Sep 09	£2.03	£2.03	£2.03	£0.00	£0.00

Payment a day...

A payment a day............

---

............makes the debt go away!!!

I need to start getting rid of my debts again. All my money seems to go on bills and stuff at the moment but I thought if I could just take 1 debt and make a payment to it each and every day then it will soon disappear (in theory!!).

So I will HAVE to make a payment to this card every day, even if it is just a penny.

This is what I will be doing to pay off my credit card it should help hopefully!!!

I didn't make it up! See it's real!

I have been going on about this for the past 3 months at work ever since my brother told me about it.  Our coins now have pictures of the the Royal Arms on it and you have to put all the pennies together to get the picture! And now I found it on the internet!! Yay!!!

The new designs have been chosen via an open competition which was widely publicised in the national media in August 2005 and attracted 4,000 entries. The winning designer is 26-year-old Matthew Dent, originally from Bangor who now lives and works in London as a graphic designer.

After exploring a number of different options, Matthew Dent finally developed the heraldic theme, taking the greatest heraldic device ever used on coinage – the Royal Arms.

As you can see in the image to the right, the Shield of the Royal Arms has been given a contemporary treatment and its whole has been cleverly split among all six denominations from the 1p to the 50p, with the £1 coin displaying the heraldic element in its entirety. This is the first time that a single design has been used across a range of United Kingdom coins.

The new designs will enter circulation gradually throughout the year. It is normal practice for banks to order coins from the Royal Mint to satisfy public demand, which fluctuates over the course of the year. The current coin designs will remain in circulation and as legal tender for the foreseeable future.

To mark this major numismatic milestone, the Royal Mint is offering a range of magnificent limited-edition collections produced to Proof quality.

They are sooo cool!! I have a 2p, 1p and a5p at the moment :) I want them all!

RIP Wheatabix

On Monday my lovely hamster Wheatabix died :( I loved him so much, he was given to me from my brother who use to come out in a rash everytime he went near him, he was 3 and a half years old, we buried him today in our garden.. RIP Wheatabix..

 

 

:(

I feel sorry for people who don't drink. When they wake up in the morning, that's as good as they're going to feel all day.

Well I went out last night down to where my uni is located with one of my work friends, we had a good old chat and caught up on things.  We can't really talk about anything too personal at work as people will over hear us but it was a really good evening.  Didn't get to bed till 3am and then woke up at 9am.

So this morning had a headache from hell and now I am decided not to drink for a very long time or until my birthday in 17 days!

Me and the boytoy went down to Brighton on Monday to get his next tattoo done, it looks very pretty, I also had to go to lecture at uni which was so dull!

 

We have managed to watch the second season of Heros and oh my god!! I want more, where is season three, it's all very exciting but as I have to wait for season three I will watch season three of Supernatural which I just borrowed off my mum.

Okay I'm off to do boring things like pay bills and order food... being a grown up bites sometimes...