Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • wellylass89
    • By wellylass89 27th Jun 16, 8:00 AM
    • 245Posts
    • 280Thanks
    wellylass89
    Starting again.. (again!)
    • #1
    • 27th Jun 16, 8:00 AM
    Starting again.. (again!) 27th Jun 16 at 8:00 AM
    Hello all! I've tried to keep diaries here before and failed however I've been inspired to start a new one..

    Things have changed dramatically for me in the last few months and I feel it's time to get organised and be rid of the debt I have once and for all..

    So currently I'm residing rent free in a friends spare room after my OH and I split up after almost 3 years together. I moved back to my home area and am currently looking for a full time job or in fact any job.

    The few months before everything went haywire were good. I paid off in full 2 credit cards I'd had since I was in uni (4 years ago) so that reduced my level of debt by £1,800, doesn't sound alot but it's made a difference!!

    So my debt as of now:

    - Halifax CC £675.68
    - Halifax O/D £743.92
    - Loan from friend £1900

    Total - £3,319.60

    Not masses but enough when you don't have a job!

    The money from a friend I can pay back as and when, it was for a new car as my previous one was about to die and being a 4x4 costing me silly money to run, also living in a rural area a car is an essential. The O/D is interest free and the CC is 17.5% I think so that will need paying off first.

    I'm applying for jobs everywhere and anywhere I have an interview for a part time job at the local hospital on the 12th and hopefully will hear back from a few more applications.

    I have a small amount of money to keep me afloat for now, I'm hoping I can get a job asap and use this as an emergency fund or towards the debt.

    Anyway that's enough rambling for now..

    Welly x
Page 4
    • wellylass89
    • By wellylass89 22nd Sep 16, 9:52 AM
    • 245 Posts
    • 280 Thanks
    wellylass89
    Just got an email from HR, DBS is back and they are awaiting one reference which happens to be a character reference from a family friend so have chased it up , the email was sent but he never received it? So it's been sent again and fingers crossed he gets it this time and gets it sent back!!

    A start date of Monday would be amazing, wonder if I ll get it?

    Welly x
    • wellylass89
    • By wellylass89 24th Sep 16, 8:28 AM
    • 245 Posts
    • 280 Thanks
    wellylass89
    So I ll be getting a start date next week!! HURRAH!

    I went out last night with a cousin who I haven't seen in 4 years, we got drunk and now I'm hungover ughh not very MSE!!!

    So I'm off to see my mate tonight and going to discuss moving in with her and have a Chinese and probably wine lol...

    Have a good day everyone
    Welly x
    • louby40
    • By louby40 24th Sep 16, 7:43 PM
    • 556 Posts
    • 1,310 Thanks
    louby40
    Oh that's great news! Let's hope you start work soon.
    Dec 16 Barclaycard £73 0% First Direct £1179 0% Parents £2125=£3377
    Nov 16 Barclaycard £73 0% First Direct £1179 0% Parents £2425= £3677
    Sealed Pot Challenge 10 #572
    Car loan £5024 Mortgage £99,720
    • wellylass89
    • By wellylass89 25th Sep 16, 9:24 PM
    • 245 Posts
    • 280 Thanks
    wellylass89
    Funny how things happen and change.. So was I going to leave my current house share and looking for something else.
    I was texting my aunt this afternoon telling her about things. She has said I can go and live with her and my uncle for a few months rent free so I can pay off my debts and save up for a place of my own.

    This of course is going to help massively as I will be able to pay off my debts and save for a deposit for a place to rent in about 4 months.

    Fingers crossed I get a start date tomorrow.

    Welly x
    Last edited by wellylass89; 26-09-2016 at 6:58 AM.
    • wellylass89
    • By wellylass89 26th Sep 16, 7:25 AM
    • 245 Posts
    • 280 Thanks
    wellylass89
    So this is my new SOA.
    Obviously I'm not paying rent or bills. Fuel gone up as a bit further to commute. I need to seize this opportunity to the full and pay off all my debt then try to reduce my monthly outgoing to as little as possible so I can get my own place.

    Statement of Affairs and Personal Balance Sheet

    Household Information

    Number of adults in household........... 1
    Number of children in household.........
    Number of cars owned....................

    Monthly Income Details

    Monthly income after tax................ 1100
    Partners monthly income after tax....... 0
    Benefits................................ 0
    Other income............................ 0
    Total monthly income.................... 1100


    Monthly Expense Details

    Mortgage................................ 0
    Secured/HP loan repayments.............. 0
    Rent.................................... 0
    Management charge (leasehold property).. 0
    Council tax............................. 0
    Electricity............................. 0
    Gas..................................... 0
    Oil..................................... 0
    Water rates............................. 0
    Telephone (land line)................... 0
    Mobile phone............................ 29.5
    TV Licence.............................. 0
    Satellite/Cable TV...................... 0
    Internet Services....................... 20
    Groceries etc. ......................... 120
    Clothing................................ 0
    Petrol/diesel........................... 150
    Road tax................................ 16.18
    Car Insurance........................... 77.6
    Car maintenance (including MOT)......... 20
    Car parking............................. 0
    Other travel............................ 13.2
    Childcare/nursery....................... 0
    Other child related expenses............ 0
    Medical (prescriptions, dentist etc).... 0
    Pet insurance/vet bills................. 0
    Buildings insurance..................... 0
    Contents insurance...................... 0
    Life assurance ......................... 0
    Other insurance......................... 0
    Presents (birthday, christmas etc)...... 10
    Haircuts................................ 0
    Entertainment........................... 20
    Holiday................................. 0
    Emergency fund.......................... 20
    Total monthly expenses.................. 496.48



    Assets

    Cash.................................... 0
    House value (Gross)..................... 0
    Shares and bonds........................ 0
    Car(s).................................. 1200
    Other assets............................ 0
    Total Assets............................ 1200


    No Secured nor Hire Purchase Debts


    Unsecured Debts
    Description....................Debt......Monthly.. .APR
    Tesco .........................1250.58...25........0
    Halifax O/D....................750.......0.........0
    HF CC..........................726.16....16.18.....0
    Friend.........................1900......0........ .0
    Total unsecured debts..........4626.74...41.18.....-



    Monthly Budget Summary

    Total monthly income.................... 1,100
    Expenses (including HP & secured debts). 496.48
    Available for debt repayments........... 603.52
    Monthly UNsecured debt repayments....... 41.18
    Amount left after debt repayments....... 562.34


    Personal Balance Sheet Summary
    Total assets (things you own)........... 1,200
    Total HP & Secured debt................. -0
    Total Unsecured debt.................... -4,626.74
    Net Assets.............................. -3,426.74


    Created using the SOA calculator at www.stoozing.com.
    Reproduced on Moneysavingexpert with permission, using other browser.
    • wellylass89
    • By wellylass89 26th Sep 16, 12:26 PM
    • 245 Posts
    • 280 Thanks
    wellylass89
    Starting my new job tomorrow HURRRAH!!
    • NeverUnderestimate
    • By NeverUnderestimate 27th Sep 16, 8:27 AM
    • 106 Posts
    • 167 Thanks
    NeverUnderestimate
    Well done on the new job Welly! You sound ecstatic.

    And it's lovely of your family to offer for you to stay with them rent free. It really will help you alot.

    I hope your first day goes well today.

    NU x
    • Dolly Rocker
    • By Dolly Rocker 27th Sep 16, 4:30 PM
    • 2,657 Posts
    • 7,060 Thanks
    Dolly Rocker
    Finally!

    Hope you are loving the new job.

    Let us know how you are getting on & also great news about lodging with your Aunt & Uncle.

    Dxxx
    Debt Free by Xmas 2017 6,186.67/14,523.76
    Saving for Xmas 2017 0/365
    Goal Weight by August 2017 27lbs/84lbs
    Mortgage Savings 2020 0/25,000
    • wellylass89
    • By wellylass89 27th Sep 16, 9:12 PM
    • 245 Posts
    • 280 Thanks
    wellylass89
    Thanks everyone! Been a good day, been on the road most of it doing post runs etc round all the local GPs etc. Think I will enjoy it there.

    Been struggling a bit knowing things with my ex are over for good, seems he has a much older lady on the go and well I just feel like a fool. I know I have done the right thing but it does hurt.

    Wellyx
    • Dolly Rocker
    • By Dolly Rocker 28th Sep 16, 8:26 AM
    • 2,657 Posts
    • 7,060 Thanks
    Dolly Rocker
    Glad you are enjoying it.

    Oh you will get over it, there will be times when you just dwell on what was which is totally natural. Don't feel like a fool, at the end of the day it is his loss in the end, you deserve better.

    Dxxx
    Debt Free by Xmas 2017 6,186.67/14,523.76
    Saving for Xmas 2017 0/365
    Goal Weight by August 2017 27lbs/84lbs
    Mortgage Savings 2020 0/25,000
    • wellylass89
    • By wellylass89 30th Sep 16, 10:13 PM
    • 245 Posts
    • 280 Thanks
    wellylass89
    So I survived my first week in my new job! I say survived but I've really enjoyed it and think I'll be really happy there.

    Handing in my notice on my room tomorrow, quiet weekend otherwise.. off to move some stuff to my aunt and uncles and join the gym.

    Will hopefully get all my £200 deposit back well no reason why I shouldn't then I can save this for debt payments (hear horror stories from the new lad about not being paid correctly) so will save it just in case until I get paid...

    Emotionally I'm still exhausted, I feel sad that I was made a fool of I really thought I'd notice and well that he wouldn't do that to me.. but it's his loss!!

    Welly x
    • louby40
    • By louby40 1st Oct 16, 5:02 PM
    • 556 Posts
    • 1,310 Thanks
    louby40
    Welly, glad to hear you're enjoying your job. Things all happen for a reason and I think your luck has turned and it's time to move forward.
    Dec 16 Barclaycard £73 0% First Direct £1179 0% Parents £2125=£3377
    Nov 16 Barclaycard £73 0% First Direct £1179 0% Parents £2425= £3677
    Sealed Pot Challenge 10 #572
    Car loan £5024 Mortgage £99,720
    • Dolly Rocker
    • By Dolly Rocker 2nd Oct 16, 9:08 AM
    • 2,657 Posts
    • 7,060 Thanks
    Dolly Rocker
    So glad you enjoyed your first week.

    Good luck with getting moved to your aunt & uncles.

    Dxxx
    Debt Free by Xmas 2017 6,186.67/14,523.76
    Saving for Xmas 2017 0/365
    Goal Weight by August 2017 27lbs/84lbs
    Mortgage Savings 2020 0/25,000
    • wellylass89
    • By wellylass89 5th Oct 16, 7:03 AM
    • 245 Posts
    • 280 Thanks
    wellylass89
    So it's Wednesday I ll be glad when it's the weekend think I'm getting a cold I'm shattered!!

    Work has been good enjoying it so far being let loose on my own tomorrow and Thursday, bit nervous but I know where I'm going..

    Ex messaged me on Monday night asking how I was and how the job was going. I have ignored it, I can't have him thinking we can just chat willy nilly. It's really hard I miss him like hell but I have to be strong. He needs to realize in life you can't just be a selfish git.

    No money saving going on as I have none lol and don't get paid till the end of the month!

    Right off to work I go.

    Welly x
    • Dolly Rocker
    • By Dolly Rocker 5th Oct 16, 9:41 AM
    • 2,657 Posts
    • 7,060 Thanks
    Dolly Rocker
    Aw rubbish, hope it passes soon.

    That's great news you're enjoying work so chuffed for you.

    Yeah you need to just ignore him, he can't just pick up with you when he wants. Selfish pig!

    End of the month will be here before we both know it (thank god)

    Dxxx
    Debt Free by Xmas 2017 6,186.67/14,523.76
    Saving for Xmas 2017 0/365
    Goal Weight by August 2017 27lbs/84lbs
    Mortgage Savings 2020 0/25,000
    • wellylass89
    • By wellylass89 5th Oct 16, 6:58 PM
    • 245 Posts
    • 280 Thanks
    wellylass89
    Thanks Dolly I hope so too, guess it's the stress of the last few months catching up with me and I'm finding the driving tiring because I'm not so used to it..

    Yeah I need to be strong, I think he felt better once upon a time knowing he had a hold on me...

    Land lady going away for a week tomorrow so will be able to eat what I want, do my washing and packing and have a chilled out weekend the sooner I'm out of here the better tho..

    Can't wait to have a full time wage at the end of the month.. it's much needed!!

    Welly x
    • wellylass89
    • By wellylass89 11th Oct 16, 6:27 PM
    • 245 Posts
    • 280 Thanks
    wellylass89
    Haven't been here for a while just been working and packing to move!! Got no money till I get paid so just been having quiet evenings in! HAd my gym induction tonight and feel a bit overwhelmed by it all to be honest but hope I ll be ok once I get going! Roll on pay day!

    Welly x
    • Dolly Rocker
    • By Dolly Rocker 12th Oct 16, 8:38 AM
    • 2,657 Posts
    • 7,060 Thanks
    Dolly Rocker
    Urgh I hate packing!

    I'm the same money-wise, spent my whole month's budget in a week - whoops!

    I got an exercise bike delivered & the last 2 nights have cycled 5k, doesn't sound much but by jings I have been done in by the end of it! Hopefully will get better at it soon enough.

    Good luck with the gym!

    Dxxx
    Debt Free by Xmas 2017 6,186.67/14,523.76
    Saving for Xmas 2017 0/365
    Goal Weight by August 2017 27lbs/84lbs
    Mortgage Savings 2020 0/25,000
    • wellylass89
    • By wellylass89 16th Oct 16, 11:14 AM
    • 245 Posts
    • 280 Thanks
    wellylass89
    Sunday and it's raining.. Musing.. how do you live on just about the minimum wage?
    I need a place of my own eventually I'm not going to be in a position to buy for a long while (at least 6 years) so I'll be looking to rent, with all the associated bills etc it will be a squeeze... but I feel like I'm at that point where I want a haven of my own. I'm happy to be in a one bed flat if needed just whatever I'll be able to afford but at the same time I don't want no life!

    So lots to ponder..

    Happy Sunday x
    • wellylass89
    • By wellylass89 19th Oct 16, 4:46 PM
    • 245 Posts
    • 280 Thanks
    wellylass89
    Nothing to report other than I'm still skint.. my best mates wedding at the weekend can't afford a dress so just wearing one I have already..

    Then the week after will be my last week driving at work and I will go onto patient movement which I think I will enjoy.. means shifts but I'm used to that and will be weekends so extra money which will help..


    I'll be moving out of here too.. can't wait to just cook what I want and chill in my pjs..

    Welly x
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

993Posts Today

5,027Users online

Martin's Twitter
  • PPI deadline decision's just been delayed until first quarter of 2017, it was due this year. For free help now go to https://t.co/EqDQvgRZ2K

  • RT @juliegroves49: @GMB @MartinSLewis thanks got my soap & glory glam sets which was half price at boots today thanks or all the tips xmas?

  • RT @ckrd: @MartinSLewis Just bagged my Soap and Glory Set £30.00 instead of £60, thanks for the reminder in your email. Another one off the?

  • Follow Martin