Debt free & tidy diary

XSpender

Hi Lurker

I have just read through your diary and wanted to say good luck with the job hunting. I too work in FS and, like you, got fed up with sales side. Luckily I was able to transfer to a different department and am much happier but working for a big bank who just merged with another big bank I am concious that my job may be at risk somewhere down the line. I am impressed with how positive you are - I would have been in absoloute pieces - keep at it!

We are also on mission:baby and I wish you luck with that too.

XSpender x

Lurker1972

Thanks XSpender, although I'm not so sure about the positive bit -was at first, but the lack of responses to my applications is concerning!
I've fallen apart a number of times, the thought of tribunal was very scary so am releived that ex-work increased the offer after solicitor threatened them - legally of course!

Theres part of me that is quite enjoying the time off, although I'm sure when I had less time to myself I got more done, have slowed down alot

Quite like the idea of attemtping to start work in September, nice sunny summer off, get house & garden all sorted the way i want it (& have been trying to get it for the last 8 years)

A girl can dream!!

Good luck with your baby mission too!

Lurker1972

Budget time - its a bit basic but I'm trying!!

Mortgage400Council Tax128Electric70GasWater33BT14Sky43Life Cover15.21H S A14.52T V Licence12.12Gas Cover18.4Home Insurance16.61Other50Car Account100Xmas Fund30Petrol45Cat (jabs etc)10999.86

The plan is to transfer £1000 of the hush money each month. Groceries & everything else will come from JSA
Within the £1000, theres 'other' (which I've never had before) & I've allowed about £75 extra onto of mortgage payment - thats going into a seperate account so I can make lump sum repyaments now & again.
nothing seperate for gas as the £70 is combined
Car account is to cover the tax MOT servicing on 2 cars, insurance is paid for by OH (multicar policy)

any views would be appreciated, but please be gentle with me!

Lurker1972

well that didn't list very well did it?!!!!!
techno-noob-ness strikes again

mooomin

Mortgage400
Council Tax128
Electric70 I'm assuming this includes gas, and you don't have gaswater as I put below!
GasWater33
BT14
Sky43 Could you Freeview to save some pennies? Or FreeSat or something (There is a Sky version, I forget the name!)
Life Cover15.21
H S A14.52
T V Licence12.12
Gas Cover18.4
Home Insurance16.61
Other50 What's this for?
Car Account100
Xmas Fund30 Supplement with internet vouchers/bargains - I shop in advance using Boots glitches from the Grabbit board and also do BingoPort in the hope of winning Amazon vouchers
Petrol45
Cat (jabs etc)10999.86 Ok, that can't be right!! I did just copy and paste from above though!

Hope some of the comments help.

Xx

*edit* I know whats missing! FOOD!! Where is the grocery money pet?

Intergalactic_Floozie

flying_fresian wrote: »

*edit* I know whats missing! FOOD!! Where is the grocery money pet?

LOL - I wish I could do without food :rotfl:

Lurker1972

methinks I'm best to start again!

Mortgage £400 (actual payment is around £340, but with rate low want to build breathing space)
Council Tax £128
Gas & Leccy combined £70
Water £33
BT Line Rental £14
Sky (includes interweb & Sports for OH) £43
Life Insurance £15.21
HSA £14.52
TV Licence £12.12
Gas Cover £18.40
Home Insurance 16.61
Car Account £100
Xmas fund £30 (only do this Jan _ Oct, £300 is plenty)
Petrol £45
Cat (Jabs etc) £10

Total £949.86

The other £50 mentioned is to cover window cleaner, milkman & to start to create an emergency fund that doesnt dip into the hush money

As for food - Job Seekers allowance of £64.30 a week should be WAY more than enough!

We've tried freeview & setanta, but always find that the match OH wants to watch is on SkySports so thats our (??) entertainment budget

Lurker1972

Well I'm not having a good week
Think PMT is making me restless, can't settle to anything except reading loads n loads of DFW diaries!!!!

I had a list of things to do this week & have managed to cross off a big fat zero of them

no jobs in this weeks papers but need to cheer myself up as am out tonight at a leaving party for someone I used to work with.Most of the people going are friends of mine, but some of them, well, lets just say I want my 'everything in my garden is rosy despite having no job' face on.

does that make any sense?

Really need a good shaking....or maybe a good cry would do.

Either way I need to get butt away from computer & do SOMETHING
aaaaggggggghhhhhhhhhhhhhhhh

Lurker1972

Its an important day to me today, probably one that will provide true 'closure' on my 11 years with exemployer.
The office (plus 3 others) where I began my career with them will close. When this was announced at beginning of the year, I decided then & there that I would be there on the last day - after all, I was there on the day the office opened.
Not sure if it will be an emotional thing or not, in some ways I still don't believe its happening, always hoped there would be a change of heart from the PTB....but no, just a complete back turn on mission statement!!

anyway, after today really will stop moping about, whats done is done, wouldnt have liked working for them any more anyway.

JoKay_2

Hi Lurker, just wanted to say hope today went ok and wasn't too painful for you.
How did last night's leaving do?