Up too early- Bank Holiday Monday Daily Chat

Gemmzie

Don't be ashamed BB *hugs* Everyone gets !!!!!! times and maybe you're meant to realise this now so you can get the fab new job and really appreciate it.
Matched betting should help short term too, I made £2k in six months when I started.

Burlesque_Babe

it's been growing in my mind for about 2 months now OH doesn't help with the bills - he has his own to pay, although he does contribute £80 a month now towards the shopping which is a help.

I don't think the merger will give me what I want/need hours and job wise to help improve the situation either career wise or financially (with financially being more important than career). On the flip side, although I'm ready to move up again, I'm not sure I'm quite back to being a senior manager type bod either, my confidence has really grown since finding my assertive side and I sometimes wonder where the new and more confident BB came from but the thought of being a manager again isn't for me I don't think. I know what kind of salary I need to break even each month (around 19k) and then after that anything extra is money to not be quite so 'penny pinching', 23k would be a nice amount to pay the bills and have enough money to start putting (say) £100-200 a month back in my savings, or, know that I can have a night out. I don't think 23k is too high a salary to aim for?? I was on 28k when I left my last job, god that would feel like utter luxury now.

I even found myself buying Smartprice washing powder this morning.......the last time I was doing that was when I was paying off my debts last time

The problem for me with MB is that I exhausted a lot of account openings a few years back to get the cashback and even though I now get it, I then go onto the board and think - actually I don't think I've even scraped the surface of 'getting it'.

It's starting to make my head hurt each day and it shouldn't be, i'm going to be submitting a tax return this year for a total income of 10k, it is nowhere near enough.

Gemmzie

When I started matched betting, I was desperate for the money so it stressed me out. I think when your thinking of it as necessary, it can be.
There's new bookies all the time, there's probably loads you haven't done, I've only done about 15 and lots do repeat offers.

Burlesque_Babe

there are loads, you're right Gemmzie. I had such a pants start to it - I picked (apparently) a really awful one to start with, then I couldn't get the website to work. I then registered with another one and they'd changed the offer to no free bet the previous day.....

It's just the thought of going back to all the slogging I did last time I was in the mire - more than 1 job, quidco-ing, mystery shopping, ebaying, click thru's, meal planning etc......it was bloody hard work and I just feel so tired at the moment

Maybe I should start a diary and confess everything........:(

Gemmzie

When I started matched betting, I was desperate for the money so it stressed me out. I think when your thinking of it as necessary, it can be.
There's new bookies all the time, there's probably loads you haven't done, I've only done about 15 and lots do repeat offers.

pepe2008

BB, I wish I was there! What ever you feel about your Financial situation, you should not feel shame.
You have faced some tough stuff and faced it well. You are not a quitter, even your posts now prove that.
At no point have you said 'I dont know what to do!'......you know precisely what you need to do (money figure-wise) now you need to find the way to acheive it.
The usual advice, BB, you have our numbers, e-mails etc .....dont suffer it alone. Pepe xx

( from the £58k in-the-poo expert, i.e whatever I say, do the opposite!!)

whatatwit

BB, big hugs :grouphug:

I know that having been through it all before, you know the ropes to this DFW lark, but how about starting again.
SOA, keeping a spending diary. dropping a brand :rolleyes: I use value soap powder all the time

The key is going to be income, but maybe once you know how much you do need to keep afloat each month, then you can target your job hunts at that.

Burlesque_Babe

cheers guys, I feel I want to just have a really good cry about it - if I were being stupid with money and buying rubbish etc I could really feel i'd learnt nothing over the last 3 years on MSE, but I've not been stupid and if I'm honest, the money I've spent (and the bits in white) have just been about living from month to month.

The thought of going through it all again, when this time it has been about me re-building my life rather than it being due to stupidity and excessive spending really hurts and feels very unfair.

whatatwit - I've played around with listen to taxman loads over the last 2-3 months. The very minimum I need is a 19k job which would basically pay the bills and pay for food. After that I did a little list of what each extra 1k a year would mean to me - ie 1k extra pre-tax means I can relax about car tax, petrol, MOT and family birthday presents, another 1k means Christmas presents, food and money for car repairs is covered, etc etc (rough ideas, but I guess you get my drift). A 23k job (still only the equivalent to 2 people earning 11.5k each!!) would pay the bills, pay for food, mean the MOT/tax was covered, and I could start getting myself back together.

Gemmzie

Definitely start another diary if it'll help, I think the diaries are busier than ever with the new board so there's plenty of help around.

It can be very hard going but with the economy in the pooper, lots of people are having to go through tightening belts, at least we have each other for support.

Burlesque_Babe

I think I will Gemmz..........it really, really hurts be back here....