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  • FIRST POST
    • Jacko_amz
    • By Jacko_amz 13th Feb 17, 1:23 PM
    • 235Posts
    • 266Thanks
    Jacko_amz
    Starting again at 27!
    • #1
    • 13th Feb 17, 1:23 PM
    Starting again at 27! 13th Feb 17 at 1:23 PM
    Hi Everyone,


    Some of you may remember I started a diary a few months ago called '6 years to a better future'. Well my life has gone completely pete tong and now i am having to completely start over!


    Bit of a history:
    I am 27 and recently just left a very turbulent relationship which lasted 3 years, a lot of verbal and physical abuse. This has meant that I have had to find new rented accomodation which allows pets. I have found somewhere and am moving at the end of the month so thats all sorted


    However, i was doing really well on the CC dept repayment front (having got down to a balance of 1k) but am having to put on just under £1500 in moving costs/new appliances etc.


    I am a avid user of a spreadsheet and calculating all new bills/living costs now i am on my own. Here is my totals so far:


    Household bills (inc rent) 750
    petrol 100
    food 100
    car (finance) 160
    CC 100
    mobile phone 10
    All comes to 1220 (i think i may have missed something off but will check when i get home from work!)
    I get paid a monthly wage of around 1650 so i will have quite a bit 'spare'.


    My aim is to put more towards the CC and get that back down again. I really don't want a car on finance anymore, so i will probably buy the rest of my car when it comes to the end of the finance deal which is April 18.


    At the moment i can't even think of entering a new relationship however i am worried that my clock is 'ticking' and i would really like to have a family etc and settle down. I would like to take a year at the latest to get used to being alone and doing some personal 'growth' (cringe!) but i definately need it as that relationship really ruined my self esteem and confidence!


    To make a little bit more cash i have tried selling a few household bits, I have a sofa in the conservatory which i put on FB and gumtree for 50 but no one seems to want it! which i find really strange, its in great condition just needs the covers washing! gonna have to go lower i think a couple of wall canvas which i put for a tenner each (25 cost new from next) haven't sold either!. I see some right tat being sold and i think why aren't mine selling haha!


    Sorry for the ramblings! I will update soon
    Learning to be alone and that its ok!


    Virgin CC - 2465
Page 4
    • angelpye
    • By angelpye 27th Mar 17, 6:09 PM
    • 995 Posts
    • 3,547 Thanks
    angelpye
    Hi JA, work sounds tough but glad you have leave to look forward to. When the children are off does that mean your services are not required and you get to catch up on admin etc?
    Money stuff all looking positive! Yay to an extra £50 on the CC!
    Happiness is wanting what you have...
    Debt Jan 2017: £2589.22 DFD: Sept 2022 April 2022 but this Marching Minimalist can beat that!
    Use it or Loose it gym target: Feb'17 5/6 Mar 4/6
    EF £0/£4200
    • Jacko_amz
    • By Jacko_amz 27th Mar 17, 6:47 PM
    • 235 Posts
    • 266 Thanks
    Jacko_amz
    Hiya Angelpye

    Yes that does mean that, however there is not enough 'admin' to last 6 week hols so its going to be very boring!!

    By my calculations i should be debt free by November

    I do have a car on pcp which ends in 2019 but i am not counting this in my debt totals, do you think i should?
    Learning to be alone and that its ok!


    Virgin CC - 2465
    • angelpye
    • By angelpye 27th Mar 17, 6:49 PM
    • 995 Posts
    • 3,547 Thanks
    angelpye
    Perhaps, depends if you would find it demotivating. You could see it as your next target. I see cars as debt but I know many don't. Do you have a balloon payment at the end?
    Happiness is wanting what you have...
    Debt Jan 2017: £2589.22 DFD: Sept 2022 April 2022 but this Marching Minimalist can beat that!
    Use it or Loose it gym target: Feb'17 5/6 Mar 4/6
    EF £0/£4200
    • Jacko_amz
    • By Jacko_amz 27th Mar 17, 7:03 PM
    • 235 Posts
    • 266 Thanks
    Jacko_amz
    yes i do - i think it'll be around 5k. what i was going to do is from Jan 18 start saving the 250 i was putting towards CC debt away for the balloon payment (well to go towards it anyway).

    It'll be great when that is paid as that is another 140 for me! but that is years away lol x
    Learning to be alone and that its ok!


    Virgin CC - 2465
    • angelpye
    • By angelpye 27th Mar 17, 7:18 PM
    • 995 Posts
    • 3,547 Thanks
    angelpye
    I think your plan to save for the balloon payment is a good one. You can then decide if you want to hand the car back and use the money to buy a decent second hand car or own the one you have outright. If you get that money together then the next plan could be looking at paying off car quicker - obviously taking into account any charges for early repayment. I have never bought a car this way (have considered it) so not totally sure how it works.
    Happiness is wanting what you have...
    Debt Jan 2017: £2589.22 DFD: Sept 2022 April 2022 but this Marching Minimalist can beat that!
    Use it or Loose it gym target: Feb'17 5/6 Mar 4/6
    EF £0/£4200
    • Jacko_amz
    • By Jacko_amz 27th Mar 17, 7:22 PM
    • 235 Posts
    • 266 Thanks
    Jacko_amz
    Well i think i will keep it as it will only be 4 years old, plus i have been the only owner. I am sick of finance cars now and will keep this one until its old and unrepairable (if that makes sense)

    Well this was going to be a NSD but just had a bill from npower for my old house, only £15 but still lol! pooped on my parade
    Learning to be alone and that its ok!


    Virgin CC - 2465
    • angelpye
    • By angelpye 27th Mar 17, 7:49 PM
    • 995 Posts
    • 3,547 Thanks
    angelpye
    I would love a new car and if it will be only 4 years old then go for it! Will be all the sweeter when you dont have to worry about the balloon payment

    I dont count bills as spend days they are not within our control. £15 isn't bad as a final bill though
    Happiness is wanting what you have...
    Debt Jan 2017: £2589.22 DFD: Sept 2022 April 2022 but this Marching Minimalist can beat that!
    Use it or Loose it gym target: Feb'17 5/6 Mar 4/6
    EF £0/£4200
    • Jacko_amz
    • By Jacko_amz 27th Mar 17, 7:57 PM
    • 235 Posts
    • 266 Thanks
    Jacko_amz
    haha I will take that then as a NSD hope your journey is going well xx
    Learning to be alone and that its ok!


    Virgin CC - 2465
    • angelpye
    • By angelpye 27th Mar 17, 11:01 PM
    • 995 Posts
    • 3,547 Thanks
    angelpye
    Its all good here, slowly but surely
    Happiness is wanting what you have...
    Debt Jan 2017: £2589.22 DFD: Sept 2022 April 2022 but this Marching Minimalist can beat that!
    Use it or Loose it gym target: Feb'17 5/6 Mar 4/6
    EF £0/£4200
    • Jacko_amz
    • By Jacko_amz 28th Mar 17, 6:28 PM
    • 235 Posts
    • 266 Thanks
    Jacko_amz
    Today has been a small spend day, spent a £1 on some soothers as i woke up with a sore throat. So i don't mind that

    New iphone came and i love it! just got to wait a couple of days for my number to transfer over.

    Tonight i am going to catch up on walking dead, broadchurch and made in chelsea, my guilty pleasures!
    Learning to be alone and that its ok!


    Virgin CC - 2465
    • Jacko_amz
    • By Jacko_amz 30th Mar 17, 7:41 PM
    • 235 Posts
    • 266 Thanks
    Jacko_amz
    Well good news is i got my money back from Match.com so i am well happy about that!

    I have spent around £7 today, which i already had in my purse so that was fine. Also had to do car tax, only £30 and i had it in my 'Car Maintenance' pot. I really feel good about money at the moment, i am getting out and about doing things and still paying off 250 off the CC. I think its important to keep a balance, i could pay off more but that would make me miserable!

    Put my old iphone on ebay so hopefully will get around £80 for it, if i do then i will round off the CC and pay off 40 - leaving 2100, and the other 40 towards holiday fund

    Hope everyone is having a nice evening!
    Learning to be alone and that its ok!


    Virgin CC - 2465
    • Jacko_amz
    • By Jacko_amz 6th Apr 17, 6:19 PM
    • 235 Posts
    • 266 Thanks
    Jacko_amz
    I haven't really posted much lately, I have not been so good emotionally wise. Been very down and feeling quite pathetic!

    I have a night out with some work colleagues tomorrow and getting all dolled up, not drinking but still should be a good night.

    Really not liking this single malarchy! everyone around me is either madly in love or pregnant
    I have rejoined a online (free) dating site, still hidden. But i favourited a man and he looked at my profile and didn't message me i really don't take rejection well and take it very personally! any advice on this??

    Money wise I am doing ok, managed to sell my old iphone for £100 however i am keeping this as spends as i need to do things in order to cheer myself up! and easter is an expensive time for meals out etc.
    Work also is ok, as its the hols its very quiet! i have looked in to changing my contract to term time, and it works out i will only lose £100 a month, but will gain so much holiday time!! I know it should be all about getting money etc but the holidays are driving me insane, no work to do!

    Hope everyone is doing well
    Learning to be alone and that its ok!


    Virgin CC - 2465
    • Jacko_amz
    • By Jacko_amz 18th Apr 17, 6:18 PM
    • 235 Posts
    • 266 Thanks
    Jacko_amz
    Well i haven't posted since march! I have royally fluffed up in the finances dept paid off £250 but i have put that back on and more! its stuff for the house but still its going up not down!

    I am also changing my contract at work which will mean less money, so after July i won't be able to throw as much at it as i had hoped

    I am so skint at the moment and i got extra money because i sold my old phone, it feels like such a long month! has it been a 5 weeker or something?!

    Payday is next tuesday so i am lying low until then, really need to stick to a budget next month rather than being like 'yeah of course i'll come out!'

    Argghhh!
    Learning to be alone and that its ok!


    Virgin CC - 2465
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