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  • FIRST POST
    • Scott_Weiland
    • By Scott_Weiland 14th Dec 16, 5:00 AM
    • 597Posts
    • 1,407Thanks
    Scott_Weiland
    Fall too Pieces
    • #1
    • 14th Dec 16, 5:00 AM
    Fall too Pieces 14th Dec 16 at 5:00 AM
    Hi Guys i am starting a new journal i am in the process of closing my former journal/account down.

    I will post on my former debt free diary so people know who i am soon. I recently went through a separation so things are not great at the moment.

    Alot of the guys will know me as the survey guru lol

    I will post again soon
    Last edited by Scott_Weiland; 14-12-2016 at 8:23 AM.
Page 10
    • Scott_Weiland
    • By Scott_Weiland 6th Apr 17, 7:50 AM
    • 597 Posts
    • 1,407 Thanks
    Scott_Weiland
    Just a tiny update, i am today 135 pounds richer after sorting a friend in the pasts sky tv and changing them bt too sky, top cashback pays. With the money i need to buy a few bits for my flat too make it like home as at the minute its far from it.

    I had a job interview for my new role at work which seemed to go okay i find out in a week. If i get the jobs its slightly better shifts 4 on 4 off night shift, working either 8-6 or 9-7.

    Personal life wise its all good too i am dating a lass from teeside i have seen her twice now both dates have gone really well.
    Last edited by Scott_Weiland; 06-04-2017 at 7:52 AM.
    Debts 16125.64
    Cashback Earnings YTD £164.10 Survey Earnings YTD £503.96
    • Scott_Weiland
    • By Scott_Weiland 6th Apr 17, 8:47 AM
    • 597 Posts
    • 1,407 Thanks
    Scott_Weiland
    Another update on payday this month i get the contract payout i have being waiting on at work which is 975 the tax man is going to love me this month.

    I have went for the safer option at work of the protected xmas holidays contract which means xmas day and boxing and new years day i dont have too work them unless there isnt enough volunteers for overtime. The 2000 pound option would of being nice but i couldnt take the risk due and they were wanting to split the payment into 4 segments so i would be waiting till january for the final payment.
    Debts 16125.64
    Cashback Earnings YTD £164.10 Survey Earnings YTD £503.96
    • EssexHebridean
    • By EssexHebridean 6th Apr 17, 10:29 AM
    • 8,013 Posts
    • 41,437 Thanks
    EssexHebridean
    All sounding good there Scott - especially the bonus and the love life!
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 £1229.00/£544.67 (17/10/17)
    • Scott_Weiland
    • By Scott_Weiland 6th Apr 17, 10:57 AM
    • 597 Posts
    • 1,407 Thanks
    Scott_Weiland
    Another update on payday this month i get the contract payout i have being waiting on at work which is 975 the tax man is going to love me this month.

    I have went for the safer option at work of the protected xmas holidays contract which means xmas day and boxing and new years day i dont have too work them unless there isnt enough volunteers for overtime. The 2000 pound option would of being nice but i couldnt take the risk due and they were wanting to split the payment into 4 segments so i would be waiting till january for the final payment.
    Originally posted by Scott_Weiland
    All sounding good there Scott - especially the bonus and the love life!
    Originally posted by EssexHebridean

    It is Essex all is good the only problem i am having is my manager at work keeps stuffing up my nightshift unsocials hours payments so that last 4 months my pays keep being up and down.

    December 1470
    Jan: 1380
    Feb 1780 (bonus included and jan unsocials and part december unsocials)
    March 1425 (60 hours missing from feb)

    Its making budgetting a nightmare i have put together below a mini soa just to give folks an idea of what i pay out. etc etc



    Incomings:

    Income 1450-1500 from employment (flucuates due to working nights no days in month my TL being useless etc etc)

    Market research surveys income 25-75;pm

    Total income i will set at 1525.



    Outgoings pm

    Rent 400

    council tax 85

    tv license 12

    gym 27

    broadband 21 (going to ring ee end of the month and see if i can do the line rental saver to drop this)

    now tv 7

    water 45

    gas 32

    electric 22 (this is high but i am being super tight i live on my own i have energy saving bulbs, everythings gets turned off when i leave, i charge cell phones and tablets at work/on bus home from work)

    Food clothing toiletries 100

    Hair cut 7

    Mortgage re old house ex is in 200

    child maintaineance 140

    train tickets to get my son 75

    phone bills for my mobile and my sons 46
    mine can be reviewed in december

    travel to work 100

    step change 180pm


    Now if i have totalled this up right thats 1499 :-(



    I am also getting income from top cashback which is intermittent some weeks nothing some weeks 135 :-)
    Last edited by Scott_Weiland; 06-04-2017 at 11:01 AM.
    Debts 16125.64
    Cashback Earnings YTD £164.10 Survey Earnings YTD £503.96
    • Scott_Weiland
    • By Scott_Weiland 6th Apr 17, 9:46 PM
    • 597 Posts
    • 1,407 Thanks
    Scott_Weiland
    i dont know what i can cut re the previous post, i am eating dead dead basic

    tuna/sweet potato/kale 3 meals a day and porridge oats and protein shakes x
    Debts 16125.64
    Cashback Earnings YTD £164.10 Survey Earnings YTD £503.96
    • Scott_Weiland
    • By Scott_Weiland 9th Apr 17, 4:47 PM
    • 597 Posts
    • 1,407 Thanks
    Scott_Weiland
    update re this



    Top cashback earnings: £144.73

    6/6/17 £0.46
    16/01/2017 £2.69
    25/01/2017 £0.82
    16/2/2017 44p
    19/2/17 96p
    28-2-17 55p
    08/03/17 £2.40
    20,3,17 £1.19
    4/4/17 £135.00 sky
    9/4/17 22p



    Survey earnings: £255

    4/1/17 £2.50 opinion outpost
    11/1/17 £40 one poll.com
    11/1/17 £2.50 O.P.
    13/1/17 £16 mingle respondi
    14/01/17 £50 cheque populuslive.com cheque is waiting to clear
    23/01/17 £2.50 opinion outpost
    2/2/17. £5.00. Opinion outpost
    17/2/17 £50 you gov
    19/2/17 £25 opinium
    3/3/17 £7.50 Opinion Outpost
    15/03/2017 global test market £30
    15th march £2.50 opinion outpost
    01/4/17 5 pounds opinion outpost
    10/4/17 2.50 opinion outpost
    17/4/17 10 power of opinions
    14/5/17 4 uk hiving


    Total £399.73
    Last edited by Scott_Weiland; 15-05-2017 at 11:15 AM.
    Debts 16125.64
    Cashback Earnings YTD £164.10 Survey Earnings YTD £503.96
    • Scott_Weiland
    • By Scott_Weiland 9th Apr 17, 5:27 PM
    • 597 Posts
    • 1,407 Thanks
    Scott_Weiland
    Well well chuffed at the above and i have checked with my accountant family friend and no i wont have pay any tax on the extra earnings

    off the hmrc or gov.uk


    If you usually pay your taxes using the PAYE system and would prefer not to think about all this extra tax stuff that’s indeed mightily complicated, there’s something you can do to make it all go away. By changing your PAYE code with HMRC, your extra earnings can be taken into account when you’re taxed on your salary and so you won’t have to pay anything extra or fill out a return.

    In order to change your PAYE code, you have to work out how much extra you’re earning and then contact HMRC who will help you sort it out. Although it sounds great, this solution is really only effective for the minority of cases for two reasons:

    Firstly, your extra earnings can’t add up to more than £2,500, after which you really have to fill out a separate tax return.
    Secondly, your extra earnings need to be quite stable so that you can pinpoint exactly how much you expect to earn in one tax year. If you’re renting a property at a set rate per month/annum, this is pretty easy. However, if you’re earning bits of cash here and there it becomes much more difficult to predict and you’ll end up either over or underpaying, which just leads to more form filling. Using your PAYE code to cover extra earnings also means that you pay your tax sooner as it comes out monthly, whereas your extra earnings could be sporadic – leaving you in the red some months.
    Debts 16125.64
    Cashback Earnings YTD £164.10 Survey Earnings YTD £503.96
    • Scott_Weiland
    • By Scott_Weiland 10th Apr 17, 4:15 PM
    • 597 Posts
    • 1,407 Thanks
    Scott_Weiland
    No news re the job i went for gerrrrrrrrrrrr i bet an update is on my work email i cant access till tomorrow night.

    personal life is complicated i must just have attract female nutters as a face, debit wise i have paid a nice lump off step change with the sky cashback i got.
    Debts 16125.64
    Cashback Earnings YTD £164.10 Survey Earnings YTD £503.96
    • Scott_Weiland
    • By Scott_Weiland 15th Apr 17, 3:25 PM
    • 597 Posts
    • 1,407 Thanks
    Scott_Weiland
    I got the job woop woop!

    re start date no idea yet i have to wait 2-3 weeks i think to be released by my current team. I just want to go so so badly.
    Debts 16125.64
    Cashback Earnings YTD £164.10 Survey Earnings YTD £503.96
    • stoplurking
    • By stoplurking 15th Apr 17, 5:51 PM
    • 348 Posts
    • 2,317 Thanks
    stoplurking
    Well done on getting the job Scott, that's brilliant. Sorry to hear about the nutters- is it the lass from teeside? It seemed to be going well too.
    Will the new job be more money or just better hours? I did read at the time but I'm using my phone and can't easily go back and check. But it's fantastic anyway.
    LBM Oct12 Debts at LBM £17715.93.
    Orig DFD Apr15 DFD 24/12/13
    3-6monthEFC#9 £1193/4000 29.8%
    • Cherryfudge
    • By Cherryfudge 16th Apr 17, 1:03 AM
    • 742 Posts
    • 2,550 Thanks
    Cherryfudge
    Well done for getting the job!

    Now I don't know if you're from Teeside or that's just where the lassie hails from, but can you get cheap haircuts from the trainees at the college? And gym membership... never cheap but I don't know you so I don't know how important it is to you. Seeing there are protein shakes, I'm guessing it matters a lot.

    Train tickets - are you booking 3 months ahead to get the lowest prices? Or is there a coach you could get instead?

    I though I was good at cheap food but with baked potatoes and porridge oats I can't improve much on what you've got. Have you tried overnight oats for variety? You can flavour them with all sorts of stuff (banana, carrot, sultanas, jam, fruit etc.).

    Keep up the good work,

    Cherry
    • Scott_Weiland
    • By Scott_Weiland 16th Apr 17, 12:58 PM
    • 597 Posts
    • 1,407 Thanks
    Scott_Weiland
    Well done on getting the job Scott, that's brilliant. Sorry to hear about the nutters- is it the lass from teeside? It seemed to be going well too.
    Will the new job be more money or just better hours? I did read at the time but I'm using my phone and can't easily go back and check. But it's fantastic anyway.
    Originally posted by stoplurking
    Yeah she just is very cold, she was off work the week we had date two which was last week and then from then she has being distant. We went out on the tuesday and it went well but since the messages texts etc dried up

    yes she is from teeside i am not though.

    I just get the feeling one person wants this more than the other. She has being on a course this weekend at work at work and was meant to be back yesterday now its today but not til later on after 4pm. I said look would you like to pop through or i could pop through yours etc i am off til tuesday night etc then nadda.

    re the job its still nights 4 on 4 off but 9-7am i currently work permeant 4 on 3 off but shorter shifts ie 1030pm-7am.
    Last edited by Scott_Weiland; 16-04-2017 at 1:17 PM.
    Debts 16125.64
    Cashback Earnings YTD £164.10 Survey Earnings YTD £503.96
    • Scott_Weiland
    • By Scott_Weiland 16th Apr 17, 1:12 PM
    • 597 Posts
    • 1,407 Thanks
    Scott_Weiland
    Well done for getting the job!

    Now I don't know if you're from Teeside or that's just where the lassie hails from, but can you get cheap haircuts from the trainees at the college? And gym membership... never cheap but I don't know you so I don't know how important it is to you. Seeing there are protein shakes, I'm guessing it matters a lot.

    Train tickets - are you booking 3 months ahead to get the lowest prices? Or is there a coach you could get instead?

    I though I was good at cheap food but with baked potatoes and porridge oats I can't improve much on what you've got. Have you tried overnight oats for variety? You can flavour them with all sorts of stuff (banana, carrot, sultanas, jam, fruit etc.).

    Keep up the good work,

    Cherry
    Originally posted by Cherryfudge
    Hi Cherry its essential to me re the gym i have suffered really severe the last few years with mental health issues i manage it by working out and taking no meds. I train now at the cheapest one in the area thats not full of idiots if you get me.

    coach no newcastle too rochester by coach is 8-9 hours i cant do it i have in the past and its too long long a journey. As i have to do it there and back. Train tickets yes i buy them massively in advance and i go through cashback sites when i get them which my nectar card is linked too xx

    diet wise i am dead strict i eat a lot of white chicken, tuna, white fish, oats i eat on there own with skimmed milk or skyr with honey and dried sultanas. I dont ever buy the porridge sachets they are loaded with too much sugar.
    Last edited by Scott_Weiland; 16-04-2017 at 1:27 PM.
    Debts 16125.64
    Cashback Earnings YTD £164.10 Survey Earnings YTD £503.96
    • Scott_Weiland
    • By Scott_Weiland 16th Apr 17, 2:31 PM
    • 597 Posts
    • 1,407 Thanks
    Scott_Weiland
    Yeah its all good bar the state of my bank balance i have 13 quid too last me til friday i am kind of dreading getting a start for the job as in this new job i have to be suited and booted. At the minute i own enough pairs of dress trousers to sink a battleship but i am kinda missing on the shirt and tie front.
    Debts 16125.64
    Cashback Earnings YTD £164.10 Survey Earnings YTD £503.96
    • louby40
    • By louby40 16th Apr 17, 4:13 PM
    • 1,102 Posts
    • 3,062 Thanks
    louby40
    Scott, congratulations on the job, great news! I think if a woman/man goes cold/quiet then move on. They aren't interested and I just wouldn't waste my time.
    Parent loan PAID IN FULL Sealed Pot Challenge 10 #572
    Emergency fund £730/£1000. Christmas savings £400/£600 Car maintenance £0/600
    Kitchen July £12,493 OCT £10,493. 18% paid off
    Barclaycard £300
    Car loan £2890 Mortgage £95,415
    TOTAL DEBT = £109,098
    • Scott_Weiland
    • By Scott_Weiland 16th Apr 17, 8:07 PM
    • 597 Posts
    • 1,407 Thanks
    Scott_Weiland
    Yeah i am thinking more and more like that too ie why bother x

    My moods strong, i am soon to be earning a bit more in a job in a less stress free environment, she has a week then i am done.
    Debts 16125.64
    Cashback Earnings YTD £164.10 Survey Earnings YTD £503.96
    • Scott_Weiland
    • By Scott_Weiland 18th Apr 17, 1:55 PM
    • 597 Posts
    • 1,407 Thanks
    Scott_Weiland
    Really really struggling with my mood today its horrendous i am up and down like a yoyo i am back to work tonight and i really dont feel well. It has not being the best bank holiday weekend for me.
    Debts 16125.64
    Cashback Earnings YTD £164.10 Survey Earnings YTD £503.96
    • Scott_Weiland
    • By Scott_Weiland 20th Apr 17, 12:37 AM
    • 597 Posts
    • 1,407 Thanks
    Scott_Weiland
    I am feeling absolutely dire today, the easter weekend was horrible for me i have started smoking again as i felt really really like popping a couple of anti depressants my mood was so up and down. Its hard to describe but from being on a high so much after getting the new job at work to getting well played by the teeside lass i have had enough.

    Money wise all is good i have received a contract payout at work, and my missing unsocials money has arrived the downside paying enough tax to sink a battle ship 960pounds in tax and ni
    Debts 16125.64
    Cashback Earnings YTD £164.10 Survey Earnings YTD £503.96
    • stoplurking
    • By stoplurking 21st Apr 17, 9:02 AM
    • 348 Posts
    • 2,317 Thanks
    stoplurking
    Hi Scott
    Sorry you are feeling so rubbish at the moment and the holiday weekend was not an enjoyable time for you.
    It is a bit odd what went on with Teeside Lass but you did only have a couple of dates and maybe she has stuff going on that means it wasn't right for her.
    Have you got any other coping mechanisms that would see you being able to get off the fags again while staying off the AD meds? You are into keeping fit so you know smoking isn't right and is a bad example to your son. Easy for me to say I know, an ex smoker myself.
    I hope you pick yourself up soon,concentrate on the new job for now and the dating scene may come right in the future.
    LBM Oct12 Debts at LBM £17715.93.
    Orig DFD Apr15 DFD 24/12/13
    3-6monthEFC#9 £1193/4000 29.8%
    • Chandelier.
    • By Chandelier. 21st Apr 17, 9:13 AM
    • 492 Posts
    • 1,347 Thanks
    Chandelier.
    Scott can totally relate to the crap times mood wise and taking up smoking again. Not doing too well myself and it's been tough times. I feel like I'm off the radar.

    I had an overstimulating bank holiday weekend (no choice of my own) and it's flattened me.

    Congratulations on the job front. And forget the girl, what's the point if they blow hot and cold. Less of the drama. You deserve better.
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