My magical debt diary!

littlepinkstars44

Today has been good, walked to and from work! (was working 12-5)
My mum and brother came home this morning from Turkey, and devoured the cakes and cookies i made them last night!

Came home to see i've made money on ebay and green metropolian today
£3 from a Gossip Girl book
£10 from a leather Stila brush roll (cost me £3 on TJ Hughes...glad i bought 3 of them now!
£6 from a Stila make up bag (i paid 99p for it on Ebay a few months ago but never used it)

So i am rather chuffed! Down to my last tenner though till payday next Friday, which will prob only cover postage on them

My mum is also skint, i was planning on borrowing a tenner off her, but she came home this morning asking me for money! Roll on next Friday i say!

Also popped into the shop on the way home...the one i handed in my cv too last Saturday. The manager was in, reconised me straight away, talked to me for a bit. Said sorry she hadn't had a chance to go through applications yet, but shes took the sign down and said "i've not given up on you yet!"

So still looks promising i guess?

littlepinkstars44

Today has honestly been one of the bestest days in a long time!
Got my apprasial at work, actually was pretty good

Got a wee text from the manager of the shop down the road asking me to pop in to see her, so i did n we sat and chatted, and ended up getting offered a 16 hour contract, so i can do that as well as 9 hours a week in Morrisons.

Then went to the dental hospital with my friend...her wee wisdom tooth is acting up again. Then went for dinner, as a wee thanks for going with her. And we'd had a wee falling out during the week, so it was nice. So glad we're talking again.

Talked the new job over with my mum, she seems quite happy about it, as i'm still gonna be staying in Morrisons too. So i am gonna go in tomorrow and tell her i will do it, cause she said she can start me next week!!

Have done a new SOA to show my new income including wages from 2 jobs and student loan and bursary! I am so excited, i cannot wait till this all happens now, roll on September!!

Oh and heres the new SOA if you want a peek...

Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 3
Number of children in household......... 1
Number of cars owned.................... 1
Monthly Income Details
Monthly income after tax................ 581
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 432
Total monthly income.................... 1013
Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 150
Management charge (leasehold property).. 0
Council tax............................. 0
Electricity............................. 0
Gas..................................... 0
Oil..................................... 0
Water rates............................. 0
Telephone (land line)................... 0
Mobile phone............................ 30
TV Licence.............................. 0
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 0
Clothing................................ 30
Petrol/diesel........................... 0
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 50
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 4
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 0
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 0
Entertainment........................... 100
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 364

Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 0
Other assets............................ 0
Total Assets............................ 0

No Secured nor Hire Purchase Debts
Unsecured Debts
Description....................Debt......Monthly...APR
Arcadia Staff Card.............220.......10........29.9
Dorothy Perkins Card...........210.......10........29.9
New Look Card..................90........5.........28.9
Bank of Scotland O/D...........200.......0.........0
Bank of Scotland O/D...........953.......0.........0
RBS Student Overdraft..........1400......0.........0
Carphone Warehouse.............50........0.........0
Additions Account..............120.......10........38.9
Kays Account...................180.......20........0
Total unsecured debts..........3423......55........-

Monthly Budget Summary
Total monthly income.................... 1,013
Expenses (including HP & secured debts). 364
Available for debt repayments........... 649
Monthly UNsecured debt repayments....... 55
Amount left after debt repayments....... 594
Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -0
Total Unsecured debt.................... -3,423
Net Assets.............................. -3,423
Created using the SOA calculator at www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission, using IE browser.

SazM030306

Good news about the job!!
Just one point...get that Additions card paid off pronto!!! 38.9%!!!
xxx

littlepinkstars44

So first day went well. Easiest job in the world...honestly!

Back in at 7 tomorrow motning though not looking forward to that.
Doing 28 hours in there this week, as well as 15 in Morrisons

Fire_Fox

:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j

Congratulations!!

:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j

littlepinkstars44

thanks fire fox, i really appreciate all your advice over the past wee while

Turns out that because my manager had to re-write the rota to include me in it this week...todays shifts got messed around.
On the rota me and the girl i was on with last night, were meant to be a 7-2 and then 2 others were meant to be 2-10.

BUT
all four of us showed up at 7 this morning, cause they were originally meant to be in this morning...lol

I offered to go home n come back at 2 cause it's only across the road for me, where as they other two live about an hour away. Plus it means i'm getting an extra hour now, lol!

Fire_Fox

Brownie points too, for being flexible. Doesn't sound very organised at your old workplace, they keep messing people about!

Flower08

Congratulations on the new job!! That should certainly help with things.

littlepinkstars44

I am sooo tired. Been working 13 days straight now, not got a day off till Thursday
I just keep trying to think of the pennies though.
I got paid from Morrisons on Friday, and its almost nearly all gone now

I owed my mum £150 rent plus £30 from last month cause i only got paid £200 and she only took £120 off me.
Plus £50 to phone bill for the last 2 months bills.
At least i can use my phone again.

I bought another pair of black trousers from Primark for a fiver, i have two pairs now, and don't need to stay up untill crazy hours waiting for the washing machine to finish, and pray for them to be dry in the morning!

Sold about £70 worth of stuff on ebay the past few days, gotta post it all tomorrow, then got docs at 12, then working 2-10

littlepinkstars44

So my plan for today is:
Wrap up Ebay/Amazon stuff
Iron clothes to wear today
Post Ebay/Amazon Stuff
Nurse at 12pm
Working 2-10