Third time lucky...

Uniscots97

Lizzie, check out the Up your income board, there's lots of ideas to make extra cash:- surveys, ebaying, cashback, daily clicks, mystery shopping

lizzie4785

I've already discovered Pigsback, and Ciao surveys, wil have a look at what else is around though, thanks for all the hints & tips.

On a different note though, dad has put a stop to the house plans I think he basically wants my sister to take some responsibility for it, which she won't do if he lets me live there.

Lizzie xxxx

sinnoc00

My advice would be to stay at your parents while you do your teacher training - I'm sorry but £485 income per month just isn't enough money to live on when you've got debts of nearly £4000, a car to run, mobile to pay for. Having a house will only mean having to pay for council tax, water, gas/electric, tv license, broadband on top of what you're already paying out and that's not to mention the fact that you'll have to be paying for your own food.. Sorry to be so negative, but £485 just isn't enough!

Stay put, get rid of your debts, do your teacher training and you'll then be in a great position to move out!

Nargleblast

sinnoc00 wrote: »

My advice would be to stay at your parents while you do your teacher training - I'm sorry but £485 income per month just isn't enough money to live on when you've got debts of nearly £4000, a car to run, mobile to pay for. Having a house will only mean having to pay for council tax, water, gas/electric, tv license, broadband on top of what you're already paying out and that's not to mention the fact that you'll have to be paying for your own food.. Sorry to be so negative, but £485 just isn't enough!

Stay put, get rid of your debts, do your teacher training and you'll then be in a great position to move out!

This advice isn't negative, it's practical. I am sure this is what was in Mum's mind when you spoke to her about moving out. Hang in there, it will work out in the end.

lizzie4785

Didn't manage to post yesterday as I spent the day visiting friends in Derby. Had a lovely day and I'm currently guessing I spent approx £10 so not too bad for me, going to work out the exact figures after I've had a shower & woken up a bit.

Thanks for all the input from you guys, I'm starting to realise where you're all coming from re: the house move. But I'm still planning on figuring out some way of escaping my dear mothers negativity since her recent comments on me not being able to do a PGCE because they're hard!!!!:mad:

Need to go jump in the shower now but I'll be back to explain further after.

Lizzie xxxx

lizzie4785

OK so I worked out how much I spent yesterday, its all in the spending diary but I'm going to keep track on here too. That way it's glaringly obvious to me and everyone else (and feel free to point it out) what I'm buying that I really don't need to.

Here is yesterdays spends:

• Bottle of Ribena = £1.07
• Lunch = £4.80
• Bottle of Fanta & Rice Krispie Squares = £1.42
• Macaroni Cheese = £2
• Smoothie Lollies = 97p
• Ribena Lollies = 97p
• Hot Cross Buns (BOGOF) = 85p
• Total = £12.08

I know I probably didn't need some of that, and with a bit of forward planning it can be avoided, and I know I'll get there, but it's back to baby steps at the moment.

As today is Thursday, its my weekly pub night, my favourite night of the week when I get to see most of my friends in the same place at the same time (it doesnt happen much anymore) so I'm going to be aiming to keep the spends as low as possible.

Tomorrow night I'm going out for a meal with 3 of my best girlfriends as it was one of their birthdays on Tuesday, again I will be aiming to keep it low, but as its a birthday celebration I cant make any promises.

Saturday night I am working, maybe go for a drink after but I'm hoping to keep the spends as low as possible.

Wish me luck guys.

Lizzie xxxx

Nargleblast

lizzie4785 wrote: »

But I'm still planning on figuring out some way of escaping my dear mothers negativity since her recent comments on me not being able to do a PGCE because they're hard!!!!:mad:



Lizzie xxxx

Just do it and prove her wrong on graduation day!! I am sure she will be thrilled. In the meantime do all you need to in order to prepare for your course application, that will show you are serious.

smartpicture

lizzie4785 wrote: »

• Bottle of Ribena = £1.07
• Lunch = £4.80
• Bottle of Fanta & Rice Krispie Squares = £1.42
• Macaroni Cheese = £2
• Smoothie Lollies = 97p
• Ribena Lollies = 97p
• Hot Cross Buns (BOGOF) = 85p
• Total = £12.08

I know I probably didn't need some of that

Actually you didn't need ANY of that!! A packed lunch and snacks and drinks from home would have stopped all of that spending - not sure you've quite got the hang of 'essential' versus 'non-essential' spending yet! However, recording it is a great start so at least you can see where savings can be made in future, so keep it up.

Also, you should take into account the extra petrol costs when pricing up your day out.

lizzie4785

I was visiting a friend I hadn't seen in a long time, so we went out for lunch, so yes I did need to buy lunch!

I know i didn't need to buy the two drinks, but I was thirsty and had forgotten my bottle of water from the car.

The lollies were for the freezer, I got 6 for £1.94, I have given up chocolate for lent so they are a replacement for the chocolate biscuit I usually have after my tea.

The hot cross buns & Mac & Cheese were for home, we all love hot cross buns so its worth buying while on bogof, and the mac & cheese was a big one, also on offer, which has gone in the freezer and will me tea for me dad n sis on sat when mum isnt home.

Please dont be so negative with me though smartpicture, I find your post quite harsh, I am an intelligent girl (who is just a bit rubbish with money) I do know what is essential and what is not, and I felt your post was a little like you were talking to a child.

On a brighter note, that is exactly what I plan to do nargleblast, thanks for the support

Lizzie xxxx

smartpicture

lizzie4785 wrote: »

I just broke the news to my mum (allbeit over text) about my plans to work out how to afford to move out, and my plans for my teacher training. Her response "I cant afford to move out and teaching is hard and i cant do it this year anyway" Don't you just love the support :mad: :mad:
...anyone who might be able to give me some inside information on what exactly is going on in my mothers head.

It could be that your mother is being unsupportive and trying to stop you moving out, as you suggest. However, given that your earlier posts refer to how supportive your family are, and the facts as you've listed them would agree with this, there may be an alternative possibility.

Maybe your mother is simply trying to give you a reality check. From her point of view, you earn £485 a month with minimal expenses and have no idea where that money goes every month. She said that you can't afford to move out. That's a fact, and the posters here have agreed with this. She says teaching is hard and you can't do it this year anyway. Thats a fact too. It could be that your mother is simply concerned that you haven't thought things through fully, and are living in a bit of a rosy-tinted world when you need to face up to realities if you want to achieve the things you want in life. I'm sure she would be very impressed if she knew you were posting on here and taking control of your finances, does she know that? Does she know about your no-spend days? Oh, and it probably didn't help to say it by text either!

Sometimes a mum's job isn't to say 'yes dear, that's a lovely idea, of course I'll support you'. Sometimes a mum's job is to point out the realities of life and make sure you don't charge off into something without thinking it through properly. You're on the right track now, and I bet your mum will be a whole lot more 'supportive' once she sees a steady period of you taking control of your finances and making proper, detailed plans for how you will finance your future. Mum's can be very misunderstood!!