Heres my new SOA, lets see what i can do

Wicca303

Hi,
don't know if you got this sorted but I'm with RBS, and i've cancelled DD with them more than once. Do you bank online? Just log on to online banking and go to 'manage payments' (or something like that). Then select the DD you want to cancel, make sure it's highlighted, and click the cancel button. Done.
Good luck getting it sorted.

rictus123

Well i finally managed to get it cancelled. Heres hoping its done and dusted now. I think im going to keep the next few pays and get my mot done a bit early - runs out 22nd of March. Anything left after this will be to pay off credit card. Hopefully i can then save at least £1700 by June.

rictus123

Oops in my big rant im a week late with some of my payday dates! Ohwell i got paid yesterday - £534.46 in from work, just my standard 2 weeks and 18p in intrest and its still all there! Balances are as followed -

Loan £1,506.26(intrest not been added for this month yet - will be £25 or so)

Credit card - £438.24 ( again i think intrest will go on at the end of the month)

Current account - £534.97

Savings bond - £702(locked until end of November, cant add or withdraw)

Spent £1.10 on a scot ads today, plus waiting to hear how much my number plates are, will probs be about £20 for the 2. Still on budget for £6k spends all in for the year. Hope so much i manage as if i do il manage to save so much and get rid of the debt!! Hopefully i can hold onto this pay though!

rictus123

Can someone tell me if its just this simple to work out my wages?
Working my usual fortnight + 1 Saturday overtime pays me £606.91 on £6.95

my hourly rate goes upto £9.01 in the summer so is it simply £606.91 divided by £6.95 times by my new hourly rate of £9.01

£606.91 / £6.95 = (£87.33 X £9.01) = £786.85 take home for usual fortnight + 1 Saturday

so times that by 2 and im taking home £1573.70 a month? Is that right?

Based on a 45 hour week x 2 = 90 hours(78 normal + 12 time and a half + 9.5 hour Saturday)


This just seems alot at 19 ??

rictus123

rictus123 wrote: »

Can someone tell me if its just this simple to work out my wages?
Working my usual fortnight + 1 Saturday overtime pays me £606.91 on £6.95

my hourly rate goes upto £9.01 in the summer so is it simply £606.91 divided by £6.95 times by my new hourly rate of £9.01

£606.91 / £6.95 = (£87.33 X £9.01) = £786.85 take home for usual fortnight + 1 Saturday

so times that by 2 and im taking home £1573.70 a month? Is that right?

Based on a 45 hour week x 2 = 90 hours(78 normal + 12 time and a half + 9.5 hour Saturday)


This just seems alot at 19 ??

Also got a take home in my bank statement of £599.32, think this is the amount, not £606.91? Still what does it work out for take home?

rictus123

ttt aka bump...

rictus123

rictus123 wrote: »

Oops in my big rant im a week late with some of my payday dates! Ohwell i got paid yesterday - £534.46 in from work, just my standard 2 weeks and 18p in intrest and its still all there! Balances are as followed -

Loan £1,506.26(intrest not been added for this month yet - will be £25 or so)

Credit card - £438.24 ( again i think intrest will go on at the end of the month)

Current account - £534.97

Savings bond - £702(locked until end of November, cant add or withdraw)

Spent £1.10 on a scot ads today, plus waiting to hear how much my number plates are, will probs be about £20 for the 2. Still on budget for £6k spends all in for the year. Hope so much i manage as if i do il manage to save so much and get rid of the debt!! Hopefully i can hold onto this pay though!

Well an update on finances front.

Paid £551.75 today to CLEAR the RBS platinum card :j

Capital one is at £33.23(not sure if £20.05 deisel from yesterday is on yet, dont think so ) - This gets cleared middle of each month so in about a week or so.

Loan is at £1,529.84 :eek: - interest added on end of last month - £23.58, minimum payment of £51.13 will come out in about a week aswel.

So im currently owe (say the Capital one balance + what went on yesterday = £53.28 + the loan amount of £1,529.84) = £1583.12. But £1478.71 after clearing the card + making min payment on loan next week.

So thats £104.41 out. Plus i have £100 digs, £35 phone and id say £30 for valentines card/weekend = £269.41.

Meaning i will hopefully have £216.51 in current account + £534.46 pay(2 weeks on the 19th)

£750.97 in current account and only other spend for the month will be desiel(on capital one getting cleared middle of next month)

So then next pay on the 5th = £750.97 + £534.46 = £1285.43 a month today, mark my words :rotfl:

obsessed lol

then its usual months outgoings middle of the month, another pay on the 19th before dreaded mot on the 22nd *fingers crossed it gets through ok*

Note that the pays are without any Saturdays, hopefully if the weather gets better i can get some overtime in...

Good luck to me....:beer:

beanielou

Why dont you pay for your petrol as you go?
Do you benefit from putting on Capital One card?

rictus123

Erm good question beanie

i think il do that, one less thing to worry about isnt it

thanks

rictus123

Well an update to get it all down for somewhere to read it incase anything happens to my laptop! Since the last post iv bought a new car! £485 for the car, £250 insurance deposit + a good few extras and now i love it!

This is my spending diary


Entertainment/nights out - £197.23
Diesel - (£204.08) +Maintenance of van/mot - battery +no plates = £387.33
Digs - £300
phone bill - £105
gfs treats/pressies - £40.03
Credit report - £6.99
Tools for work - £32.96
Scot ads/papers - £5.90
Dvd - £16.96
Lottery through work - £10
betting - £795.57
Jellate boots - £38
Random munch etc - £28.23
Key cut for house - £4
dhgate.com -£152.08

+


CAR
buy it - £485.25
petrol - £94.55
Insurance - £250.04
£48.99 on a new car battery
£3.50 new battery in fob
£3.98 on a keyring
£22.84 Car Mats
£9.94 Mud flaps
£17.40 - Rear Wiper Arm and Blade
£39.89 - Steering wheel
£69.99 - Seat covers
£5.49 - car interior shampoo
£80- transfering private plate
£11 - Back number plate
£9- Number plate stickies

Total spent on car = £1151.86

+ £1,029.24 spent on loan/credit card repayments

Total spends of £4,276.76


Current debts -

£1,365.50 loan - think intrest has still to be added on for March
£695.06 - Credit Card (Put my car insurance and cost of car on this)
£97.98 - Capital One card(fuel goes on here, gets cleared middle of month)

Savings/cash
£285.09 in current account
£225.42 in ISA(thats it filled for the year)
£700 in savings bond that i cant touch until November
£30 or so cash
Gf is owe me £40 or so-will get that back tomorrow or Friday(i know i will as shes loaded!)


I dunno how it looks to the outside world but i think im doing really good considering my car i got!

The loan is not a priority to me just now. The cards will both be cleared very soon.

My pay is really good at work just now aswel with the overtime im doing. My pay goes up in July which will be a massive boost and £400 a month extra! That extra money will clear my loan by xmas! I think im doing so well! Il post a forecast budget for the next few months in my next post.
:j