Fell Of The Wagon :(

Ally16

So i was a bit of a regular here for a while, but after not logging on for a while i fell of the wagon. My credit cards are bk to having there maximum balance, the overdraft is not clearing, i now have more debt with tuition fees its not looking good!!

On the positive managed to pay off my car and change my car insurance company so that i am paying HALF what i was originally paying (what a saving!) here r my outgoings, incomings etc....

BASIC OUTGOINGS (per month)

Digs to parents - £100
Tuition Fees - £253
Travel - £60
Car Insurance - £18
Petrol - £40
Mobile Phone - £50

TOTAL: £521

INCOMINGS (per month)

Basic Wage from Part time work - £370
Overtime (minimum) - £100
Student Loan - £82

TOTAL: £552

Looks like im making a little more than im spending, but this is assuming i have no nites out, no birthdays, and i dont eat during the day at uni! ha ha!!! Oh plus my credit card payments




Think il start payment a day 2day.....£4.90 to MBNA
Going to get organised for a bootsale while its just cold and not wet
Neone else think of nething to cut bk on?!?!? Im such a shopaholic i cant help myself sometimes its so bad!

I want out of this rut!

tealady

You can cut down on your phone possibly. Ring whoever you have your contract with. And how about F/T work in the holidays?

98jdougl

yeah, to echo that £50 is very high for a phone bill (and takes 10% of your wage) have you thought about selling stuff on ebay? joining something like avon? and again is it possible to up your hours outside of term time?

Is this £60 travel for public transport then since there is also £40 on petrol? what about a railcard/travel zone card/ weekly ticket type thing?

Ally16

Yup £60 is the maximum i will spend on public transport and £40 for petrol is to get to my work and bk Already have a young persons card (a full year long rail card would not benefit me.

Sold a wee bit on ebay....going to get to a bootsale before xmas to sell some more emmmmm rubbish?!?! ha ha!