I'm on holiday for the next two weeks, so these entries may be more sporadic than usual. To keep you up to date. My bank has decided that it would be best if my account was closed and a new one created. This is causing me several different kinds of hassle, especially since i put an offer on a house today! All the paperwork will need to be redone.

The house is nice. It's a good size and needs little doing on the inside (the garden needs doing, but that doesn't bother me). It's 70k, so i will have to increase my mortgage. I'm going to counter that my decreasing the ammount i pay into the employee share scheme. So that doesn't bother me. The location is not the best for me, but truth is i couldn't afford anything decent in the corridor that i wanted. This will add a little onto my journey, but it's a reasonable area. And quiet, too. I hope that this goes through.

I'm also running out of money this month. I don't know how it happened. Well i do, i had my car serviced today and had to pay 450 for it. This leaves me with, literally, a couple of hundred pounds. Now, this wouldn't be a problem, but i am going on this drawing and painting weekend, and i need to pay for petrol and art supplies. I think, and i usually try and avoid this, that some is going to have to go on credit cards. I have debt.

Which is one reason who my stomach is churning over the thought of the mortgage...As a single person it's very risky...

But i need to do it. And i do have savings, so i can use those if it all gets too much this month.

My car did need the things on it, i knew that the brake pads needed replacing...

I'll try and say that next month i will restrain my spending (which i thought i was doing this month, but apparently not) but if i have solicitors fees to pay...i do worry that buying this house will put a big strain on me financially. But on the other hand, it could be the impetus i need to really think about properly budgeting instead of closing my eyes and wishing. I toy with the idea of setting up another account to put money into for all those things that i know i will spend money on during the month (petrol, food) and then simply stick to it. The money in the other account...damn it's a bad idea. Like i really need one more account number for my faltering memory to retain.

I am so lucky that i have these things to worry over.

One of the things that worries me most is my switch card. I can't cope without it! Ok, that sounds like histrionics, but it's true. I rarely carry money around, and feel much more comfortable paying for things with switch. Plus, of course, if i can't use my card i can't get money out of the cash machine. And since i work long hours i need to use the cash machine because the damn banks aren't open when i'm free. Good job i'm off and can get to banks.

I know that this is being done for my benefit, but it's damned annoying.

Know doubt i will be full of more negativity after i attempt to open my new account tomorrow...