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  • FIRST POST
    • MoneysavingmadGem
    • By MoneysavingmadGem 29th Dec 17, 10:40 PM
    • 21Posts
    • 99Thanks
    MoneysavingmadGem
    Only way is up from rock bottom!!
    • #1
    • 29th Dec 17, 10:40 PM
    Only way is up from rock bottom!! 29th Dec 17 at 10:40 PM
    Hi all
    Well I have had a shocking year which has left me at rock bottom.

    Single, jobless, homeless and £9000 in debt.
    So 2018 is a year to build it all back up!!!

    First step was the job! So started as freelance support tutor for degree students (what im trained to do) and I have interview for a 10 hour a week contract on 4th jan! wohoo!

    Second - roof over my head! Been staying with parents but at 30 (having moved out at 18) some personal space is needed! So I pick keys up to a little bedsit on 5th jan (thanks to a little inheritance from my nan who passed away in may) 😀😀

    Third step - no not finding a partner. Clearing my debt!!!!
    This is the year I will clear my debt. Any ebay sells/ survey vouchers / gifts of money or anything left from end of month budget will be going towards achieving this!

    Little apprehensive as I dont know running costs but a little bedsit shouldn't be too much. Was cheapest accommodation I could find.
    Just around corner from family and freinds already been offered evening meals and use if their washing machines!

    Rough budget has been drawn up will be reviewed after this first month.

    Looking forward to starting thus journey on 1st Jan!!!
Page 1
    • erniethecat
    • By erniethecat 30th Dec 17, 12:34 AM
    • 31 Posts
    • 89 Thanks
    erniethecat
    • #2
    • 30th Dec 17, 12:34 AM
    • #2
    • 30th Dec 17, 12:34 AM
    You're doing great already! 2/3 accomplished. 2018 is going to be your year!
    • redofromstart
    • By redofromstart 30th Dec 17, 9:01 AM
    • 836 Posts
    • 4,818 Thanks
    redofromstart
    • #3
    • 30th Dec 17, 9:01 AM
    • #3
    • 30th Dec 17, 9:01 AM
    Just dropped in to say good luck with your journey.
    • MoneysavingmadGem
    • By MoneysavingmadGem 30th Dec 17, 11:40 AM
    • 21 Posts
    • 99 Thanks
    MoneysavingmadGem
    • #4
    • 30th Dec 17, 11:40 AM
    • #4
    • 30th Dec 17, 11:40 AM
    Thanks

    Absolutely determined to achieve these goals!
    • MoneysavingmadGem
    • By MoneysavingmadGem 2nd Jan 18, 12:05 AM
    • 21 Posts
    • 99 Thanks
    MoneysavingmadGem
    • #5
    • 2nd Jan 18, 12:05 AM
    • #5
    • 2nd Jan 18, 12:05 AM
    1st day of the year!
    Kicked off with a sunday roast at the best friends house and board games.

    Been a nsd so wondering how many of these days I can get into the month.

    Due to moving costs (on fri!) Its left me with £100 for the month!! Arrrggghh crazy. Of which £55 taken for dd bills.

    But I have also got £150 from xmas which I was going to use to pay cc but thinking cash flow!

    Maybe pay min amount and keep rest back in case of needing food/fuel.if I dont use I can then pay more off end of the month.

    I do need to get a headlight bulb for car, going to try myself to replace when I looked the other day I have to remove the battery to get to it so need to borrow some tools! Lol
    • ramblehan
    • By ramblehan 2nd Jan 18, 7:59 AM
    • 431 Posts
    • 966 Thanks
    ramblehan
    • #6
    • 2nd Jan 18, 7:59 AM
    • #6
    • 2nd Jan 18, 7:59 AM
    Welcome and good luck. With determination you can achieve anything!
    • Baldybear
    • By Baldybear 3rd Jan 18, 12:09 PM
    • 1,628 Posts
    • 3,223 Thanks
    Baldybear
    • #7
    • 3rd Jan 18, 12:09 PM
    • #7
    • 3rd Jan 18, 12:09 PM
    Hello, good luck with your journey!

    Re bills hope this helps. Is the following included in your bedsit rent:
    council tax, gas, electric, water
    If not worth finding some money to budget for these, also if electric, gas etc on meters??
    Also contents insurance is always a good thing to have and should be fairly cheap.
    Debt Free - Thanks Mum
    Now onto the Mortgage and savings....
    • MoneysavingmadGem
    • By MoneysavingmadGem 9th Jan 18, 2:04 PM
    • 21 Posts
    • 99 Thanks
    MoneysavingmadGem
    • #8
    • 9th Jan 18, 2:04 PM
    • #8
    • 9th Jan 18, 2:04 PM
    Thanks baldybear.

    Yep budgeted for all bills roughly for this month.

    Only got electric is on key meter I know its higher tariff but at least I can keep an eye on what im using.

    Had 2 nsd last week. Did spend £106 but that included £40 petrol for the month and £35 car insurance. Rest was food or parking.

    Another nsd today. Had to take nan down town so used car but she paid for parking and cooked lunch and sent me on with a food parcel!

    Got a list of things I could do with for the flat but holding off!

    Got £10 amazon voucher from swagbucks so going to use this for a couple flat items.
    Crazy clothes challenge 2018 #8 - £120, handmade or charity shop

    Pay all debt off xmas 2018 #066. ( £9900)

    2018 frugal living #34 (£2500)
    • MoneysavingmadGem
    • By MoneysavingmadGem 10th Jan 18, 5:17 PM
    • 21 Posts
    • 99 Thanks
    MoneysavingmadGem
    • #9
    • 10th Jan 18, 5:17 PM
    • #9
    • 10th Jan 18, 5:17 PM
    Second nsd in a row today, managed to dodge the cake shop on my way down town.

    Walked into town rather than drove. Student lunch of baked beans and sausages over pasta. Tea at a friends tonight.
    Rang edf and looked up online, as on prepay meter sadly im not able to get s cheaper deal but working out about £8 a week which includes heating. Only a small flat

    Got my step mum and step dads birthdays coming up in a couple weeks im quite crafty so any ideas for presents let me know lol
    Crazy clothes challenge 2018 #8 - £120, handmade or charity shop

    Pay all debt off xmas 2018 #066. ( £9900)

    2018 frugal living #34 (£2500)
    • MoneysavingmadGem
    • By MoneysavingmadGem 12th Jan 18, 7:19 PM
    • 21 Posts
    • 99 Thanks
    MoneysavingmadGem
    Yesterday wasn't a no spend day sadly, ended up buying a couple cheap items for the flat from asda.

    Today has been a no spend day and no car day.
    Crazy clothes challenge 2018 #8 - £120, handmade or charity shop

    Pay all debt off xmas 2018 #066. ( £9900)

    2018 frugal living #34 (£2500)
    • theroamingnomad
    • By theroamingnomad 12th Jan 18, 7:23 PM
    • 57 Posts
    • 62 Thanks
    theroamingnomad
    Good luck with your endeavours and I hope the job is going well?
    Debt-free by September 1st, 2018 - hopefully!
    £5124/£5124 (Jan 2018)
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