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*** Living beyond my means - My diary ***

Right, After a big spending weekend which has left me feeling pretty down and broke.. I thought it was about time I tried my best to stop spending more than I earn, So here goes.

I know Im not in that much debt but any debt is bad enough, you can see my debts in my signature :)

So from now on im going to write down what I spend and any other stuff I feel like, so any advice/encouragement would be GREAT as im feeling pretty depressed again now.

Im 19 & currently working as a chef in a busy restaurant, doing between 40 - 50 hour p/w and my pay is only £5.30 p/h, so pretty bad. But I am looking for a new job within IT and have a few job interviews in the next few weeks, also looking into doing some advance IT courses and maybe re-taking my Maths & English GCSE's..

Here it goes: This weekend I spent almost £300 :eek: on my GF birthday, took her shopping then we went to a rave on the Saturday night. So I have no money now until Friday.

As I said any advice/help or encouragement is welcome and I hope I dont bore the pants off you too much..

Thank alot :j

** Ive decided to post my SOA **

Rent to my mum: £120 p/m
Loan from Dad: £120 p/m
Provident: £80 p/m
Sky+: £35 p/m
Bus pass: £20 p/m
Petrol to my mum: £15-£20 p/m
Mobile phone: At least £60 p/m.. usually £100 for 2 contracts.
Interest on overdraft: £10-£20 p/m
Barclaycard: £30 p/m

On a good note my GF has just started her first full time job after finishing her hairdressing course, so she'l be earning from now on which will save me loads lol ;)
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Comments

  • cmjohnson_86
    cmjohnson_86 Posts: 1,468 Forumite
    Monday 17th July 2006:

    I havn't spent anything today and wont be as Ive already said have no money apart from £30 which I need to but a few shirts and ties with for a few job interviews. Will be looking up town tommorow for a shirt and tie. Anyone know any good cheap shops to try, prefrably shops that are nationwide, like Tesco's, TK Maxx etc etc.. Thanks once again
  • HenryWeston
    HenryWeston Posts: 198 Forumite
    cant you get rid of the sky tv? you dont really need it!
    get a pay as you go mobile, its easier to keep a eye on what your spending, i spend about £15 - 20 a month on my mobile (payg)
  • cmjohnson_86
    cmjohnson_86 Posts: 1,468 Forumite
    I did have my Sky subscription off for about 2 months and found it REALLY boring without it, have downgraded it from £42 p/m also I cant cancel my contracts as it would cost me too much. But am NEVER getting a contract again once these finish.
  • LookingAhead
    LookingAhead Posts: 4,633 Forumite
    H & M can do some pretty nice shirts for guys at a very reasonable cost. When my boyfriend went from bar work to office work, I kitted him out pretty much entirley from H & M - and if you are lucky, if they have a sale on you can snap up some great bargains. Also they sometimes do buy 2 get 1 free or something. Worth checking out.

    Also if you have an independent department store near you, go & look for shirts there. Peter England shirts inexpensive but are good quality, very easy to look after and come in some quite funky colours but they look smart.

    These are fine until you are earning enough money to move up to designer!
    Bank Balance: In the black for the moment.
    Sainsburys Loan: Cleared July 2010
    Credit cards: AMEX Airmiles Card: direct debit set to clear balance monthly
  • Iriahm
    Iriahm Posts: 159 Forumite
    hey, I know its hard but you honestly don't keep a good OH by spending lots of money on them! I was really skint at valentines so I put an invite in OH's card to come to dinner in the flat. He LOVED the idea and went to his brothers to get changed etc and arrived with flowers and some wine and the invite. it cost me £20 and it was an amazing evening. we're only 25 too!

    perhaps you could negotiate getting your dads loan repayments down to £100pm?

    good luck
    Lightbulb moment: July 2006

    Total debt: £39,678.01 July 2006 :eek: Total Debt: £19k March 2007

    Proud to be DFW Nerd 123 :cool:
  • cmjohnson_86
    cmjohnson_86 Posts: 1,468 Forumite
    Yeah he probably wont mind but I did want to get it out of the way really, Will ask him though. TY
  • cmjohnson_86
    cmjohnson_86 Posts: 1,468 Forumite
    Does anyone know any tips/tricks with Sky? Say if I rang them up asking to cancel my subscription saying I dont feel its worth it, they can offer me any discounts? Has anyone tried this or anything?
  • regularsaver1
    regularsaver1 Posts: 4,930 Forumite
    My bf got some nice shirt/tie deals in Asda

    also (you may not want to, he said this too) but he went into a charity shop and found shirts that hadn't even been worn - ok for work and interviews
  • poppy_f1
    poppy_f1 Posts: 2,637 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Does anyone know any tips/tricks with Sky? Say if I rang them up asking to cancel my subscription saying I dont feel its worth it, they can offer me any discounts? Has anyone tried this or anything?

    sometimes they will offer you a few months free if you say your cancelling to freeview
    btw what sky package are you on? thought about cutting it down more
  • cmjohnson_86
    cmjohnson_86 Posts: 1,468 Forumite
    I have everthing bar Sky Sports, Childrens, Style and culture & Knowledge. Watch most of the other things, But even if I cancelled news & Music its only like £2 extra. I might try ringing them.
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