lilmissmup - the 2011 saga - staying debt free whilst starting a new life!

lilmissmup

Have got £60 left to payday so have put £30 in savings

I know next month I can get it back to £2000 which makes me happy.

If I still have that £30 in Thursday night, that will go in too.

lilmissmup

Mmm so I think today was the final straw at work, I came home and just cried on Simon and nearly had a panic attack on the way home in the car because someone spoke to me like !!!!!! and I don't need it.

Main problem is that everyone is expecting me to do my old job and this job and it can't be done, I am having to work at two dealerships now because of the fall out from them trying to make me do two jobs and although I am getting caught up now I have been told I have to still deal with part of my old job and I really don't get paid enough for all this stress plus I wont get fully caught up if they expect me to do that!

Off to open evening at the college tomorrow to see about doing the evening courses but I am going to be updating my cv over next few days, am even considering taking my friend up on her offer of a job but it would mean travelling 120 miles each day so not sure it will be financially viable as not sure which wage I would get.

I am not staying at my job though. Need to get out asap.:cool:

To make it money related I am putting 2 x £2 coins in my terramundi tonight.....

lilmissmup

Payday!!!

I have £111 in direct debits to go out and £580 to Simon leaving me £838 in the bank.

£250 to savings leaves me with a daily spend of £18.40.

I want to get my savings up to £2k so I have put another £170 in savings and want to pay some monies off my 0% card before I transfer it. So I have paid £100 off that leaving me £9.96 per day.

No big social plans this month so that should be plenty.

Went to the college open evening last night, they have spaces still on both courses I am interested in just need to make up my mind which one to do now...

lilmissmup

Seemed to have miscalculated my monies.

I am going to end up with an extra £60 in my savings as I forgot I had put £60 extra in at the end of last month.

I am hopefully getting £108 from O2 for my old phone and have £25 to come from Paypal but I forgot I owe my nan £55 still so that means my daily spends are £6.85.

Hopefully will not need to be socialble this month!!!

lilmissmup

Just tried to ring HSBC to sort out my balance transfer but gave up after ten mins so have done it online, did get an offer saying it will be 0% for six months so as long as they note that when they read it will be ok!

lilmissmup

15 days until payday still!

Just a quick update, not sure on exactly how much money I have at the moment but not spent much at all this last week.

I sorted out my HSBC credit card transfer so now have £1650ish at 0% on that for six months but I am starting college next week now too so just had to pay £757 fees for that!!!

So debt outweighs savings again but its ok as all at 0%!

Work is horrendous, they sacked my 2nd replacement the other day, she was useless but its still more pressure on everyone.

Hopefully this college course will lead to me escaping, I also applied for a part time job at a vets today doing reception, going to keep applying for similar things as much as possible.

I am considering spending next six months getting financially sorted then quitting my job and trying to start up my own pet sitting business, I have advice books on it and it was something I have been considering for years anyway, started a distance learning course about it when I was with Ex but never finished it.....:o

Hopefully the college course might give me new ideas/contacts.

Although I am not doing the original college course I wanted to do as only 2 people applied for that so they have had to swap me straight onto the BTEC! Was planning on doing that after the first course so not end of world but first course was a practically based course which trained you how to handle all types of animals, BTEC is theory and practical!

lilmissmup

Just writing a quick entry as I have had to take an unexpected 1/2 day off work.

Spencer wandered off last night, must have got himself lost, I didn't sleep well but luckily he turned up on doorstep at 4.30 looking very worried and hungry, hes not left our bed since think hes still freaked out.

So I text boss asking if I could take 1/2 day and get some sleep!

Was supposed to be spending whole day at Luton today though to catch up so that plan has gone scuppered!

Work gets worse every day but its hard to find another job when you want to break into a completely new industry, I feel lost just trying to work out where to look!

Applied for a job at a vets a couple weeks ago but never heard anything back, not even a rejection!

My boss is really unwell at work too, might have cancer and he was planning on leaving too anyway.

Did start college last week though, got it again tonight as well.

I am still thinking I want to set up my own business but lots of things need to be taken into consideration for that.

My problem is I am too impatient and want it all now but current job is starting to make me feel ill. :cool:.

Pay day tomorrow, I need to pay £150 off my HSBC credit card but should be able to chuck another load into my savings this month, my Nan is all paid back now. Will write another post tomorrow working it all out.

I have a week off in 4 weeks and want to try go see my friend Emma for a couple days in London but I do need to get round to asking her too! Want some money to do some things then so will need to be sensible but also need to start thinking about Christmas presents!

Need to haul myself into some clothes now and get myself over to Luton to try do some work. Really just wanna day to myself in bed!

lilmissmup

Pay day - soon will be gone.

Had £1388 in account earlier but just transferred £580 into Simon's account for bills and £140 off credit card.

So currently have £668 in account and following bills.

£10.40 to O2.
£32.65 to Gym.
£12 for Cat Insurance.
£15 for cinema.
£5 to charity.

Leaving £592.50 but I wanted to get savings up to £2500 this month.

I am going to leave my DD at the £250 but realistically unless I find another £190 via MSE ways I am not going to be able too as I don't want to be so skint this month.

My car is playing up again too, oil light is coming on, paid £6 for a pressure switch today which my fav mechanic fitted for me, now its worse!!! :cool: If my engine is !!!!!!ed thats gonna be expensive.

:cool::o:cool:.

Daily budget at the moment is £11.40 so I can manage 16 NSDs this month I can get the savings up to £2500.....mmmmm mini challenge!!!

lilmissmup

Cannot believe how hot it is!!!! I am wearing clothes I took to Tenerife at the moment, shame its gonna end soon.

I am not a winter fan, roll on next Spring already!

Well I seem to be spending money all over the place at moment.

Paid £50 off my Tesco credit card (which still has 0% on purchases until March) but then spent £140 on my HSBC credit card yesterday on cat jabs, a pair of shoes and guinea pig stuff!!! I don't even dare open the pin for the % card as otherwise I will be buying everything in sight! :eek:

My friend needs to rehome a guinea pig so I have said I will take him for her, picking him up later. Trying to work out if I can get him a friend though as don't want him to be lonely but males can fight if not neutured so would end up paying to get that done too.....should ask my friend to contribute something really. :cool:.

So that cancels off the £140 I paid off it the other day..... Oh well least it will be interest free as will pay it off next pay day.

I should be getting double bonus next payday too and I have done loads of overtime too so I can try pay a few hundred off it next time!

I havent spent any cash though apart from money that was in my purse this weekend so daily budget even after paying off £50 is now £11.25 per day, if I can just take a packed lunch to work everyday I should be able to save loads though do need a few new cardigans and some boots for work.

Need to try get as many Amazon vouchers as possible before christmas too.

Oh and I need to try work out how to get Simon on a better budget because hes just added another £2300 to his debt by buying a 1971 VW Beetle..... He is about £5000 in debt now.

lilmissmup

I am off work today, first day off sick all year which is suprising considering how bad work has been for the last 5 months but I have a bad stomach and was up most of the night.

I will probably take it as a days holiday though as have 3 days holiday left to use, was going to use them in December but I only need 2 days off, the 3rd was going to be a extra day at Christmas.

If I am still there that is, I could spend hours writing about how horrid that place makes me feel sometimes, last Wednesday I left work early in tears and went to my Dads house for 3 hours and was so close to just handing in my notice on Thursday and told my boss (who I get on well with) and also my DP who was the main reason I cried on the Wednesday,

I should be getting my own office sorted out soon, been waiting for a new computer to be set up for over a month but thats not going to drastically improve things as the whole atmosphere in the place is horrid and no-one wants to be there, the mechanics don't wanna do there job properly so that has its toll on us all esp me as ifwe got audited at the moment it would be an epic fail and I am still trying to sort out the mess they made me get into by not letting me do my job!!!

Thing is I am back at college now and want to get into working with animals in one form or another so seems pointless to just apply for other jobs in an industry I don't want to do.

I might be doing a part time degree after this course too.

Ideally I want to get a part time job so I can get some volunteer experience behind me and still have time to study for college without all the stress I currently have.

I am still keen on starting my own business too but me and Simon had a chat about having a baby a couple weeks ago as part of my I don't know what the hell I am doing with my life chat and as he is already 35 he said he would ideally not want to wait more than a couple of years to have another child.

And I don't want to be self employed and worrying about a baby and a business!

Its a hard decision to make though, do I just quit my job now and get a part time job at somewhere like Tesco/Asda etc....

My Dads just given me £1000 to help me incase I do quit my job, transferred it into my savings (though HSBC fraud squad rang me to check it was me doing it, prompt service though, 5 mins after I tried to do it they rang!) and waiting for that to clear now.

0% debt still for 5 months.

Decisions, decisions. Hate that I am such a worrier, wish I was more ballsy and could just quit and work the rest out after!!!

*edit sorry this is so long, prob takes up a whole server!*