I thought it was about time I started my own diary, as I seem to be spending far too much time clogging up Fay's and the 'what small things' thread... :rotfl: So here goes...
A little bit about me... I'm 30, live with Mr Daffs (otherwise known as Rock Star Boyfriend). I like cheery things, colourful things, knitting and sewing and reading and gardening and making things, and lots of things that aren't 'things' at all
I work 2 days a week, and am 6 months in to a year's worth of, ahem, 'revisions' to my PhD
which takes up the other 3 days. Mr Daffs owns this house, I pay 'rent', 'contribution' or whatever you want to call it. And we drive a rickety old post office van that falls apart every five minutes, but that we sleep in for holidays, and that we love very much :rotfl:
I once saw a sign in the mugs section of a charity shop saying 'a nice cup of tea cheers you up' - we say this several times a day in our house, and it's pretty much the motto of my whole life at the minute :beer: (imagine that's tea, not beer!)
As for money... well. In 2007, I'd managed to rack up around £3000 of debt (I think!) in an overdraft and credit card. I had an income of about £1000 a month, was living in a shared house, just about meeting minimum payments on the card, and heading rapidly towards the overdraft limit well before each payday.
Sometime in 2007, I realised my PhD grant money would be coming to an end (and I hadn't *quite* finished the PhD, so couldn't work full time yet). I started keeping a spending diary. I've still got those diaries - and occasionally I look at them and am astounded at how much cups of tea in cafes and chocolate bars add up to :eek: Anyway, I knuckled down, got a part time job doing care work, threw everything I could at the credit card and overdraft, and paid them both off within 6 months, and before the PhD money ran out :money:
Since then, I've been working 2 (long) days a week at my care work job, earning about £620 a month, before tax. I haven't had an overdraft or credit card since :j:j:j
A month ago I gave up my job, and last week started a new job - still 2 days a week, 60 miles away (:eek:), and much better paid (and much more fun!) - should be £780 a month AFTER tax, which makes me feel positively rich! :rotfl:
So... obviously I'm not paid until the end of June, and I didn't want to get into a cycle of spending my wages before I got them, so my aim has been to make/save enough so i don't have to dip into my holiday fund :j So far I've:
* joined the 'Make £10 a day in June' thread (but it's £5 - I'm still a beginner!)
* signed up to lots of surveys and things
* done a couple of things through Quidco
* listed lots of books on Amazon
* done lots of transcribing work
I'm only about £60 off what I need for June, and have about £100 in wages for transcribing work coming in the next couple of weeks! :j
As for debt, at the minute I owe:
* £292 in fees to the university (not due yet, but I'd like to get it out of the way and have set up a payment plan)
* £510 to Mr Daffs, from when I had several months off work last year to finish my PhD off and didn't contribute anything to the household
Mr Daffs has offered to write off what I owe him, but I'd rather pay it :A, although it's all in dribs and drabs!
So, if you got this far after all that waffling, well done, and welcome to my cheery little diary, where I'll try and keep track of what I've spent (or rather what I haven't), and my vague efforts to cut back even more, while making sure the tea and cake still flows... :j