No Money, thats No Good!

ebayqueen_2

Hi NM

Have been away over Christmas and am only catching up on diaries now. I am so delighted that things are going so well for you:):):)

I wish you all the best for today and your new job. What a superb opportunity for you and your family.

God bless
E

jwil

Good luck today. Hope they take it well.

Nickg370

I've just read your whole diary and I'm really pleased it's working out so well for you. How you manage to spend so little is inspirational and you seem to have a happy and productive life with your family. Well done! Keep it up!

.NoMoney.

Update time - Handed in my notice on Tuesday, the mood changed as soon as I did so, but I didn't care. Left there and then and start my new job on Monday and cannot wait - decent money rolling in once more.

Which is good as I am seriously out of funds now, and went, for the first time ever to the wife cap in hand to borrow some to prevent me going above my overdraft! Still, once I am settled all will be ok again and we can start making serious inroads into our debt.

Aim for 2012 is to clear atleast 50% of our debt, which should be achieveable with one of the loans ending in June, and the additional earnings above what I was earning before the problems started will allow for significant payments.

We want to upsize to a 3 bedroom house (as we have 2 kids) by the end of 2013, and this should allow us to start building a deposit.

jwil

Good luck with the new job!

ebayqueen_2

I wish you all the best in your new job and with your plans for tackling the debt. You will do it NM :)

God bless
E

alibob30

Have spent a good part of the day reading your diary!

Congratulations on your new job, very pleased for you!!

youngmummy

hi, no money, have spent all night reading your diary, well done to you and your wife on getting through all the ups and downs you have encountered over the last year, congratulations on the new job, im glad your wife also managed to find a job again last year, wishing you a very happy and healthy 2012. very pleased for you and your family, you should be so pround on how far you have come have subscribed !! good luck for you and your family in the future x

.NoMoney.

Evening all, and thanks for all the nice comments from old and new readers!

I've settled in nicely to my new office, and it's like I have been there for years already. The journey is easier than I expected to, and now I am home well before the kids go to bed - in fact, it's about the same time that I used to get home when I worked in my old job, and this time I have an hr commute too!

As my office is in the middle of nowhere now I don't go out at lunch and waste money on take away lunches, magazines etc anymore so that is saving me a small fortune, although I have taken up reading alot (Andy McNab and Chris Ryan books mainly) which is a hobby I didn't think I would take too!

I was paid for my brief employment last week and for some reason they gave me a full months wages even though they didn't make me work my notice. I checked with them that it wasn't and error and they assured me that it was not. So, with that being "bonus" money to me I have used it to pretty much clear 1 of my smaller credit card debts - happy 2012 to me!

I sat down with my wife last week to plan how we would tackle our payments, and if I am paid what I expect after deductions, as well as potential on top (not factored in) for incentives and bonuses I believe I could clear all 4 of my CC's this year - thats in an ideal world obviously.

However, one aim is to get a 2nd car - we have been able to get by with 1 until now, but with me needing a car daily for work it means my wife has to rely on lifts to and from work, and that isn't always possible. So we are looking at getting a small run around for her when things settle in a few months.

pennywisepoundstupid

Glad everything has worked out for you and your enjoying your new job.