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    • jvr
    • By jvr 3rd Oct 16, 11:17 AM
    • 260Posts
    • 917Thanks
    jvr
    Changing habits, wanting freedom
    • #1
    • 3rd Oct 16, 11:17 AM
    Changing habits, wanting freedom 3rd Oct 16 at 11:17 AM
    So finally looking at starting a diary, need something to keep me on track! So debt stands at 5,481.43 was originally about 6,000 6 months ago. Its a mixture of spending due to buying our first house and not adjusting to me being on a much lower income down about 10,000 a year.
    So I am 27 and live with my OH and two dogs and one cat. We want to think about having children soonish and the debt needs to be gone. Complications are due to the fact my OH is
    from SA, every two years we have had about 2,000 to pay out for visas we also have to send money back to SA to family over there. Luckily the next visa in 2.5 years time will be for citizenship but could cost about 3,000.

    1 year ago I quit my well paid but horrendous job and started working in admin and a horrifying low wage but without any of the stress. Im a bit bored now but love my team and organisation so hopeful that I can change my role within the team and have it be a bit more interesting and more money!! Between me and OH we earn just under 40,000 a year so where the hell does it go!?
    Things holding us back my OH is terrible with money (not that I am perfect) although he is getting better its hard. We also both smoke.. Switched to role ups and have halved the costs but still for our bank balance/ health and hope to have kids we have to stop this. My mental health is also a bit of a problem with on and off depression and anxiety making things tricky.
    I control our spending except for OHs allowance which he often runs out of far too early considering how much he gets. For last 3 months have stopped putting anything on cards, have redecorated down stairs without making more debt and have paid off about 100 a month. Also started a savings account for Christmas and OHs car insurance next year in hope to not spend ages paying debt just to get back into it when a big bill comes along! Did all the switching energy suppliers etc to save money but just seems to end up in black hole. Also started cycling to and from work which saves on bus fair and is good for health!
    Other big expense is I am have driving lessons at the moment which is holding back the debt repayment and feeling frustrating but has to be done if hope to get this other job ~(and just because in life it is good idea!!)
    Been reading lots of diarys and found so many people inspiring yet I still seem to run through money with nothing to show for it. So hoping this will keep my on track!
    Credit cards: 6000 now 4473.58 aim to be debt free (ignoring mortgage and student loans) by June 2018
Page 13
    • MistyMountainTop
    • By MistyMountainTop 18th Apr 17, 10:39 AM
    • 486 Posts
    • 1,635 Thanks
    MistyMountainTop
    Finally caught up - I hope things are better now, and you've been able to relax and take a bit of time for yourself. This is something I need to remind myself to do, it's so easy to get caught up in the whirl of everything that needs to be done at once and then feel terrible when you can't do it. I've found so many things in Honey Bear's post that apply to me as well...
    Current Weight Loss: 2/ 96
    • jvr
    • By jvr 19th Apr 17, 8:07 AM
    • 260 Posts
    • 917 Thanks
    jvr
    Oooops been a bit absent again!


    Thanks for the messages - and you will find Misty, that I get most of my wisdom from Honey Bear!


    I've not really done an SOA as switched everything to the cheapest deals so my 'bills' are not very high, biggest expense is OH's phone bill but that's fair enough with family in SA...... my problem is def day to day spending and FOOD!


    OH was complaining that all his clothes were so old, so I gave him the remaining M&S vouchers from switching bank and the 25 I got from work, we went last week and he got some nice bits and then we went to the food hall..... told him to go look for yellow sticker items and can you believe it... he got SO into it and some fab bargains mostly put in the freezer... bill from 100 was only 13 once I used the vouchers
    So May should be our last really tricky month moneywise as the dog needs spayed (220) and we have the cottage for sisters wedding to pay for. Anything left will repay the overdraft and keep up minimum payments on the cc.
    Interview is Monday and thankfully work will pay for the train to the other office down South (97) need to finish my presentation urgently!
    Otherwise things are pretty quiet and I'm just waiting for pay day on Friday, also just heard that need to send latest pay slip and then mortgage should be organised. They have put a higher estimate of the value of the house than the original bank we looked at applying to
    Credit cards: 6000 now 4473.58 aim to be debt free (ignoring mortgage and student loans) by June 2018
    • jvr
    • By jvr 4th May 17, 10:16 AM
    • 260 Posts
    • 917 Thanks
    jvr
    Absent again.


    Interview went really well and then heard yesterday I didn't get the job... someone else internally got it who was always going to get it. But apparently I should feel really positive that I was a close second. Not feeling too positive infact feel really lost.
    What do I do now? I love the organisation I work for but I'm bored in my job and get paid nothing. We also want to think about trying for children so if I leave that screws with that due to maternity pay. Do I stay and hope something else comes up or do I leave and risk the maternity pay and that another organisation wont give me the positives this one does.
    Bleugh just want to curl up in a ball today
    Credit cards: 6000 now 4473.58 aim to be debt free (ignoring mortgage and student loans) by June 2018
    • Honey Bear
    • By Honey Bear 8th May 17, 11:51 AM
    • 4,293 Posts
    • 43,503 Thanks
    Honey Bear
    Bummer. Sorry to hear you missed out on the job. I don't know what to suggest other than to keep an eye out for vacancies in other organisations that you think you'd like to work for. I think the hardest part of that decision is that you love the organisation that you're currently with, and it's very hard to find that kind of relationship with another employer straight away. Is there anyone in the current set up who you can talk this through with because I've no doubt they won't want to lose you? Also, if you're looking for an extended role, there may be plans afoot that you don't know about that might lead to them needing your additional skills that aren't being used at the moment, hence the boredom.
    Keeping it AF
    • SpekySquarehead
    • By SpekySquarehead 11th May 17, 8:57 AM
    • 1,492 Posts
    • 11,171 Thanks
    SpekySquarehead
    Hey JVR - I echo what Honey Bear says, some really sound advice. Hope you're feeling a bit more positive now.
    Debt Free Date: 29/09/16
    NSD (5/15)
    • jvr
    • By jvr 16th May 17, 8:25 AM
    • 260 Posts
    • 917 Thanks
    jvr
    Thank you for the messages, I read them but was still busy sulking! Don't worry I am over myself now....
    Quick update... my sisters wedding at the weekend was amazing! Feeling glum yesterday as it was all over! The weekend before had my friends hen do in a cottage with the ex friend and left feeling very confused as for the first time since the fall out I actually missed her....


    Money


    Erm...... so confession time! Drastically overspent! Because of paying for car insurance and then putting an extra 500 of overspends on the overdraft I am basically back to my starting point. I need to get my head in gear so I am going to start posting more regularly detailing my spends and hoping this puts me off getting the card out! Realised that always run out to soon so going to try give small allowance on my pay day (21st) and more on OH's pay day on 1st and see if can do better that way.
    Other things to consider......... dog ate OH's passport so will need a trip to the embassy in London. Cousins wedding in July which will be a b&b stay. will turn the trip to London for passport into a little night away and we can stay with my lovely friend which will save us money and make it all feel less of a chore!
    Today
    Bought a lighter (yes I am still smoking)
    Got breakfast and lunch with me and dinner will be on work as I am working till 9pm tonight for an event but no other spends needed.
    Credit cards: 6000 now 4473.58 aim to be debt free (ignoring mortgage and student loans) by June 2018
    • jvr
    • By jvr 16th May 17, 10:27 AM
    • 260 Posts
    • 917 Thanks
    jvr
    Forgot to add re job........... so absolutely gutted and still not 100% sure what I want to do. I really like the organisation and if we want to try for kids I would get maternity pay and flexible working afterwards..... but I am quite bored and my pay is terrible....
    But.... if I moved I would only get statutory m pay and most organisations are not as flexible as this one is :/ its a difficult decision so for now staying put see what comes up and keep an eye out if anything special comes up elsewhere
    Credit cards: 6000 now 4473.58 aim to be debt free (ignoring mortgage and student loans) by June 2018
    • jvr
    • By jvr 17th May 17, 9:37 AM
    • 260 Posts
    • 917 Thanks
    jvr
    So couple extra spends yesterday 1.60 on crisps and chocolate. Mainly due to not having enough lunch with me but since i got a free dinner i am sure it evened out.
    Got my bike out to cycle to work this morning but was so exhausted from working late last night i got the bus... 4 i didnt need to spend but since i cycle 90% of the time i try not to feel guilty about that.
    Today need to buy lunch as no time to prep last night, but managed to bring some brekkie in and a snack, plus pitta bread so just need to grab something to go with that. Counting down till pay day on friday!!!
    Credit cards: 6000 now 4473.58 aim to be debt free (ignoring mortgage and student loans) by June 2018
    • jvr
    • By jvr 19th May 17, 12:14 PM
    • 260 Posts
    • 917 Thanks
    jvr
    Very few spends last few days but messed up with some stuff coming out of my account and so been charged. My own stupid fault but onwards and upwards. Just been paid so sent all the money to various accounts and going attempt to keep on track this month with my spreadsheet. We have various extra things coming up over the next couple of months so sent money to savings to try cover that. CC stands at 4,467 and still have overdraft, just had to put 350 on that for remortgage but should get that back once all goes through - fingers crossed!
    Got told yesterday got 1325 pay rise which should kick in next pay day every bit helps!!
    Tonight have a friends leaving meal as she moves home to Estonia - will prob just not drink to keep spends low, she knows im skint to should be okay.
    Car had issue but fixed for 65, OH's passport still needs to be replace, wedding in July, dog needs to still go get spayed and our kitchen floor is desperatly needing replaced.
    Feel a bit like im clinging on by the skin of my teeth
    Also just realised paying some interest on cc that i didnt know about, must keep more on top of things!!


    . Going to start weekly internet shop as think going to the supermarket is a bit of a downfall!
    - this week has been more bus fares and lunch than normal but next week will be back to cycling and bringing food, going to attempt no spends monday - friday and see how i do feel like if can get through this month and actually stick to it can start to turn this situation around.
    Credit cards: 6000 now 4473.58 aim to be debt free (ignoring mortgage and student loans) by June 2018
    • jvr
    • By jvr 24th May 17, 11:55 AM
    • 260 Posts
    • 917 Thanks
    jvr
    Been off ill for the last two days still feeling very rough but back in work.
    Last friday was both lovely and sad knowing my friend is leaving but we have a tv and vac from her the dinner was delicious but having looked at the menu and thought it was a good price I was a bit shocked to arrive and realise what i thought were mains were infact tapas so a bit more spendy than i had hoped for.


    Had a builder over to look at our sloping kitchen floor - he is a family friend now so i knew would get a very fair price. it is about 30mm lower in one corner. He has given us great price for leveling and then we just need to choose tile or lino. We want tile but it will depend on cost.
    Credit cards: 6000 now 4473.58 aim to be debt free (ignoring mortgage and student loans) by June 2018
    • SpekySquarehead
    • By SpekySquarehead 25th May 17, 8:50 AM
    • 1,492 Posts
    • 11,171 Thanks
    SpekySquarehead
    Morning JVR, hope you're feeling a bit better today.

    Gotta love tapas but it can prove to be a bit expensive when you add on lots of dishes.
    Debt Free Date: 29/09/16
    NSD (5/15)
    • jvr
    • By jvr 25th May 17, 12:40 PM
    • 260 Posts
    • 917 Thanks
    jvr
    Thanks Speky, alot better today sunshine def helps!
    Have one week left till OH's pay day and doing pretty well Need to get to Nationwide which is quite a trek from my work as when i closed the current account and transferred it left 100 in a savings account which i can't transfer out of but need it to pay for the dog being spayed next week. About 200 quid which amazingly i have actually budgeted for!! Just leaves kitchen floor and OH's passport as expensive things to sort but feeling hopefull
    Credit cards: 6000 now 4473.58 aim to be debt free (ignoring mortgage and student loans) by June 2018
    • jvr
    • By jvr 26th May 17, 7:52 AM
    • 260 Posts
    • 917 Thanks
    jvr
    Well slipped last night and had fish and chips.... so worth it though! Think OH is having a tough time at work but its so hard as he comes back in foul mood and i end up so tense and wishing he was still at work! Sounds horrible but its draining, he can then suddenly flip out of his mood and be all chirpy and never understands why other people don't suddenly flip with him..... ah well i should probably try be more sympathetic.
    Going to have to be a quiet bank holiday as OH not paid till wendesday will get back to park run in the morning, hopefully some fence paininting and then going to a friends for dinner and to plan our speech for our other friends wedding, only issue is that although she doesnt live too far it would be minimum two buses if OH not back from work yet :/ Sunday i think OH is off so will try plan something nice in for then. Otherwise just plodding on, bit stressed that remortgage still not completed but hopefully final papers will be sent today and we won't have too much longer on a high rate.
    Credit cards: 6000 now 4473.58 aim to be debt free (ignoring mortgage and student loans) by June 2018
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