This is my year!!

leedsforever_2

After graduating from uni, no idea on a career choice and going from part time to full time at my restaurant job. Then falling pregnant, being on SMP, getting a new job which was only part time then other half layed off from work last november we have found ourselves in.... DEBT!!!!!! :mad:

Now, I have a new job, potential of earning lots of money, the sun is out, its time to face it, organise it and get rid of it!!! :beer:

Im going to be honest at the minute it hasnt been my priority, but it NEEDS to be...

I get paid weekly and it varies from week to week how much I get paid my basic is 12K so at least clear £196 a week. OH is still on JSA but fingers crossed that wont be for long!!

Heres to this summer :T

doodledo_2

Hey Leedsforever. Good luck with your journey

Have you posted your SOA anywhere, might be a good place to pop it up.

leedsforever_2

thanks for your reply,
no I havent yet, tbh my income is all over the place I get a basic as I said but my commission is uncapped so no ideas of future earnings.
Plus OH sometimes gets 3 days work a week sometimes 0, and tbh I think this is why we waste so much money, I really need to be more thrifty and hoping this site will help me with that

doodledo_2

It is hard when your don't have a set income but you could always base your SOA on a minimum that you and your OH get and then if you can get that to balance anything extra coming in is a bonus.

Have you thought about keeping a spending diary to see where you "waste" your money? I did once and it was scary how much I spend on basically nothing

leedsforever_2

I could do that but then I know the way my mind works, I would see it as a bonus then shop lol... and basically just hitting my targets would at least double my salary... my commission is paid 4 weeks later and next week will be my first week where my commission is paid, so should have more of an idea then.
I also travel alot within my job and the company pay very poorly back on the petrol which is something else I wouldnt be able to predict on a SOA!

I am definetly going to start putting every penny in my diary, I have started taking pack up to work, working in town centres etc its so easy to choose more expensive options, like shop sandwiches etc. Ive stopped with the costa coffees.... and really should stop smoking!! x

doodledo_2

I am with you there, my biggest outgoings are smoking and sandwiches, I can easily spend a fiver a day on lunch and have very little to show for it.

leedsforever_2

EASY!!!

Coffees are expensive too, as much as 10 cigarettes, then a boots meal deal £2.99... but a cigarettes helps me keep motivated at work lol...!!

doodledo_2

I know your pain lol. Maybe we should give up smoking together :beer:

leedsforever_2

oh man... haha but i enjoy it lol

one day

leedsforever_2

Sunday 11th April

Budgeting myself to £125 this week between this morning and friday,
spent £38 today petrol and few groceries, then must do a big shop tomorrow.. argh its never ending.. hopefully a NSD on tuesday and wednesday ..

doodledo -- I have a cold so gonna cut back on the smoking

cococoladebt

All the best with your journey.

When did you graduate?