cookiecrunch - it's crunch time

Fire_Fox

I work in the NHS too :j are you aware that the NHS is supposed to support you in any course that fits in with your career aspirations, even if not directly relevant to your job?

A few thoughts ... firstly a full spending diary might be a good idea, where is the cash going? How much are you spending on eating out (including lunches) on top of your grocery spends? Secondly if you find it hard to resist shopping, don't carry any money or cards with you or just the bare minimum you need for transport. I also think you might consider completing a full Statement of Affairs - you have missed quite a few things off your list, and lumped bills in together as if they can't be reduced.

cookiecrunch_2

Yeah i know i should be more itemised- i think i'm just too scared!
bills unfortunately have to be lumped in as they're not mine to pay, i rent off a friend who has all the bills in her name so i don't actually know what's what. I will ask her for next time though as i'm sure she wouldn't mind the bills going down. Leaving the cards at home is probably the only way i'm going to stop spending. I've developed such bad habits!
I know theretically the NHS is supposed to support me, but when i asked i was told i won't get the time off to do the course (in fact he laughed at me!) so as it's a new job and i don't want to rock the boat i'm stuffed!
The bag is deffinately going back- stupid idea to buy it in the first place! I know my consumer rights, not fit for the purpose i want a refund not a credit note.
honestly the total for this weekend is
Shoes £70
Shirt £22
t- shirt £18
new caffetiere (a girl needs her caffiene) £12.65
bus fare £1.30
Tea wagamamas yum! £10.45
textbook for work £24.95
asda for food shopping for the week £13.25 (i am planning on eating but i'm eating out alot for tea this week)
spend Monday £0 however that doesnot make up for the £172 (or £124.64 over weekly budget)
I have just checked my M&S card £750.41 now that feels like a weight off my shoulders. Roll on payday.

cookiecrunch_2

done quickly,
Income Amount Net Monthly Salary £ 1,610.00 Partner's Monthly Salary £ 0.00 Benefits £ 0.00 TOTAL MONTHLY INCOME £ 1,610.00

Essential Monthly Outgoings

Outgoings Amount Rent £ 300.00 Council Tax £ 58.00 Electricity £ 25.00 Gas £ 53.00 Water Rates £ 33.22 Mobile Phone £ 35.00 TV Licence £ 12.33 Internet £ 19.00 (includes phone and TV)
Buildings Insurance £ 0.00 Contents Insurance £ 0.00 Groceries £ 200.00 Clothing £ 400.00 Petrol £ 130.00
Car Tax £ 11.25 Car Insurance £ 34.40 Car MOT £ 0.00(only benefit of a new car!)
Car Parking £ 30.00 Pets Insurance/Vets Bills £ 4.00 Birthdays/Christmas £ 10.00 TOTAL MONTHLY OUTGOINGS £ 1,355.20 NET MONTHLY SURPLUS £ 254.80

Monthly Debts

Debt Total Debt Min Payment Rate Overdraft £ 130.00 £ 0.00 0.00 % Car Loan £ 12,240.00 £ 0.00 5.50 % Credit Card 1 £ 750.00 £ 0.00 0.00 % Credit Card 2 £ 2,000.00 £ 50.00 0.00 % TOTAL DEBT £ 15,120.00

Assets

Asset Value Cash £ 0.00 House Equity £ 0.00 Shares/Bonds £ 0.00 Car(s) £ 13,000.00 TOTAL ASSETS £ 13,000.00

cookiecrunch_2

Sorry that's really hard to read it's a copy and paste job.
If i'm honest with myself i spend a little too much on food shopping- i don't use up leftovers as much as i should.
My vices are shoes and clothes and eating out. Comments gratefully recieved.
might try making a signature now

found_a_bargin

HI Cookie crunch,

you seem just like me with the debt plans... i have decided that im going to start a diary and keep exact tabs on my spending, im also terrible when i just pop in to town to get lunch and i just happen to pop in to Debenhams... ( its not been there a year in our town yet and i dread to think what ive spent in there!!!

Good luck and i hope it all goes well for you.

Catzpaws

Oh, I spend FAR too much on food... so you're not alone there. Especially on eating out - prob once a week... then extra things for dinner as OH doesn't like what's in (he's not a fan of leftovers...drat!). Regarding cutting down on shoes and clothes, the only suggestions that I have is to stay away from the shops. Window shopping only makes me feel miserable... which is no good!

beanielou

Not being critical but you surely cant spend £400 pm on clothes??

cookiecrunch_2

sadly this month i did spend £400 on clothes but i didn't spend anything in the last three. When i did a look back at the year it averages £200 a month which i know is far too much. My excuse; 5 years of student life means i hadn't got anything other than jeans and little tops to go out in with the occassional sweatshirt so i had to buy smart work stuff. It's one of the first things i'm going to try to control and i agree window shopping sucks! I end up in Dune and then leave smeary marks on the windows as i drool!

ZiggyStardust_2

cookiecrunch wrote: »

i agree window shopping sucks! I end up in Dune and then leave smeary marks on the windows as i drool!

:rotfl::rotfl::rotfl:

Catzpaws

Oooh, keep away from those shops! I know it's hard... but, I turn into a crazy hyperactive consumer when I see nice shiny, expensive things. So, I try and now keep away - safer that way. Kinda helps that OH hates shopping trips!

On a positive note, you now have some good things to wear. Hopefully it's <cough> one of those capsule wardrobes - i.e. 3 items of black clothing that can be taken from beach to boardroom - LOL :rotfl: