I will be debt free, POSITIVE!

claire0788

Well my overdraft will be gone by christmas and so will my credit card. Id rather not get really large credit card limit to cover other debt. It would cost too much to pay for the windows through a credit card anyway.

Fire_Fox

claire0788 wrote: »

Have been offered a new job.

A 42p wage rise, a little less responsiblity til im settled, more hours with more overtime available but longer to travel. Im thinking of taking it though because even a little bit extra an hour is good and id only have 1 job.

Ooooooh, is it with the same company or a different one? :T

claire0788

Different company but I have worked with them for quite a while as a relief worker (basically as and when I could fit shifts in with them as they have always wanted me full time).

The only thing holding me back is the people I support in place A. I dont like the thought of leaving them. At the same time I know I have to do what I feel is right for me but I cant decide what that is. I have alot of responsibility for my current role and in place B that will be reduced for a while (which would be nice) and Id get paid more.

Im very confused.

Fire_Fox

Does one have to be full-time or could you negotiate both roles part-time?

claire0788

Well its complicated. I am part time in my role in place A but the way my shifts work I cant commit myself to working part time in place B on a contract (higher wage comes with a contract instead of relief work).

So really it has come down to one or the other. New contract with more hours is beneficial but Place A is closer to home and I love working with the service users here, but then again I love working with the people in place B aswell. Other reasons make me want to leave place A though. :eek: I just cant seem to make a decision.

september09

claire0788 wrote: »

Have been offered a new job.

A 42p wage rise, a little less responsiblity til im settled, more hours with more overtime available but longer to travel. Im thinking of taking it though because even a little bit extra an hour is good and id only have 1 job.

Well every little helps! I think, personally, if it was me, that I would be a little self centered and go for whatver is right for me. Youve got to look after number one! But thats just what I'd do! Obv I cant speak for anyone else as you know your situation better than anybody. But thats just my 2 pence worth.

September x

claire0788

I know what I really should do, take this new one. I just need a little bit more time to think

Phoned to make a payment towards my windows, somehow its gone up ! Im making the payments regularly and the amount is going up. How is this even possible. The balance should be going down ! I need to save up money as soon as quickly as possible after my overdraft is gone and pay the windows off in a lump sum.

Done a small shop today, got enough stuff for a fair few meals because Im off for a few days this week.

september09

claire0788 wrote: »

Phoned to make a payment towards my windows, somehow its gone up ! Im making the payments regularly and the amount is going up. How is this even possible. The balance should be going down !

Can you ask them for a statement?

claire0788

I have they said I couldnt get one until the payment has cleared, so i have to phone again. Im going to have make double payments to make any difference to the balance, which I cant afford at the moment.

claire0788

Checked out next months budget. Its looking pretty good. Ill have an extra 350 (minimum) at the end of the month (this is taking into consideration for 150 spend during this month).

Maybe get rid of the credit card next month if money things work out.