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So I've been stupid.

Neato
Neato Posts: 414 Forumite
Part of the Furniture 100 Posts Combo Breaker
edited 10 June 2009 at 8:10PM in Debt-free wannabe
I've basically finished my first year at uni.
I've managed to max out my Natwest overdraft.....and then about another £750 overdrawn on another account.(Thankfully both interest free) Although my loan & grant & bursary don't even cover my accomodation costs.
Idiotic I know. I keep pretending its not a problem, though it clearly is. I was planning on paying it all off over summer. Didn't consider I needed to pay my house over summer.
I don't really know what the point of this thread was, other than to get it out in the open. I'm now trying to make note of what I spend my money on. It's mostly on food (Although I'm catered - It's terrible) and things like washing. Then some money on going out.
I've got a term time job. One lined up for summer although its inly 20 hours a week so I'm gunna try and get another and just see how it goes. Other than that, any other suggestions as to what I should be doing?

Thanks in advance guys:beer:
Overdraft: PAID:D
OU Course Fees: PAID:D
:money:Now to save for mortgage... :money:
«1

Comments

  • angelicmary85
    angelicmary85 Posts: 4,977 Forumite
    Hiya,

    how about you post up your SOA so we can tell you where your going wrong! ;)
    Started PADdin' 13/04/09 paid £7486.66 - CC free 02/11/10
    Aim for 2011 - pay off car loan £260.00 saved
    Nerd No. 1173! :j
    Made by God...Improved by the The Devil :D
  • Neato
    Neato Posts: 414 Forumite
    Part of the Furniture 100 Posts Combo Breaker
    SOA?
    Sorry, I'm new to this
    Overdraft: PAID:D
    OU Course Fees: PAID:D
    :money:Now to save for mortgage... :money:
  • mum2one
    mum2one Posts: 16,279 Forumite
    Xmas Saver!
    An SOA - statement of affairs, basically u list ur incomings, all ur outgoing, rent, mobile phone,
    and ur ods etc with apr, get u a link in mo that is easy to work through and breaks everything down,
    xx rip dad... we had our ups and downs but we’re always be family xx
  • angelicmary85
    angelicmary85 Posts: 4,977 Forumite
    Oh sorry Neato SOA is statement of affairs! Basically it's your income/expenditure - will go find the link for you.
    Started PADdin' 13/04/09 paid £7486.66 - CC free 02/11/10
    Aim for 2011 - pay off car loan £260.00 saved
    Nerd No. 1173! :j
    Made by God...Improved by the The Devil :D
  • angelicmary85
    angelicmary85 Posts: 4,977 Forumite
    angelicmary85 wrote: »
    Oh sorry Neato SOA is statement of affairs! Basically it's your income/expenditure - will go find the link for you.

    http://www.makesenseofcards.com/soacalc.html
    Started PADdin' 13/04/09 paid £7486.66 - CC free 02/11/10
    Aim for 2011 - pay off car loan £260.00 saved
    Nerd No. 1173! :j
    Made by God...Improved by the The Devil :D
  • mum2one
    mum2one Posts: 16,279 Forumite
    Xmas Saver!
    http://www.makesenseofcards.com/soacalc.html

    dont worry not a dodgy link, from the mse site that is used all the time on debt free wanbee side of the board x
    xx rip dad... we had our ups and downs but we’re always be family xx
  • Neato
    Neato Posts: 414 Forumite
    Part of the Furniture 100 Posts Combo Breaker
    Cheers guys, I'm just off to work atm but I'll fill it in when I get back and hopefully make a go of this
    xx
    Overdraft: PAID:D
    OU Course Fees: PAID:D
    :money:Now to save for mortgage... :money:
  • angelicmary85
    angelicmary85 Posts: 4,977 Forumite
    Best of luck and remember to keep us updated! Will look in on your thread soon, good luck! x
    Started PADdin' 13/04/09 paid £7486.66 - CC free 02/11/10
    Aim for 2011 - pay off car loan £260.00 saved
    Nerd No. 1173! :j
    Made by God...Improved by the The Devil :D
  • mum2one
    mum2one Posts: 16,279 Forumite
    Xmas Saver!
    angelicmary85 wrote: »
    Oh sorry Neato SOA is statement of affairs! Basically it's your income/expenditure - will go find the link for you.

    Great minds think alike x
    xx rip dad... we had our ups and downs but we’re always be family xx
  • mum2one
    mum2one Posts: 16,279 Forumite
    Xmas Saver!
    angelicmary85 wrote: »
    http://www.makesenseofcards.com/soacalc.html

    Were def brainy 2ngt xx
    xx rip dad... we had our ups and downs but we’re always be family xx
This discussion has been closed.
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