Living @ home and hating it

cassidy0111

gothrockchic1 wrote: »

Thats the closest to having a NSD ever!

Indeed, but i was still annoyed at spending 20p!!!

cassidy0111

Have managed to stay within my budget. Payday is a week today.

I need some new suits, some shirts and a pair of shoes for the start of the new term in August. I usually buy work clothes from Next or Burtons.

Trying to work out a budget that allows me to pay off a good chunk of debt and buy a new work wardrobe without feeling guilty.

cassidy0111

Just purchased new car insurance using my "Insurance Saving Fund". Used comparison and cashback.

Managed to get insurance for less than my savings fund so have paid the spare cash to the debt. According to lovely Halifax, my debt now stands at £1202.91

LittleBoots

Hiya

Wow your debts are coming down nicely

cassidy0111

LittleBoots wrote: »

Hiya

Wow your debts are coming down nicely

Thanks. Just been having a look at your thread.

cassidy0111

Lent a close friend £150 about a year ago. Had pretty much written this debt off. However, he appeared at my house today with the money and a nice gift- seems he is back on his feet and sorting out his debts.

gothrockchic1

cassidy0111 wrote: »

Lent a close friend £150 about a year ago. Had pretty much written this debt off. However, he appeared at my house today with the money and a nice gift- seems he is back on his feet and sorting out his debts.

Thats brilliant!! Its funny how it always come back to you when you least expect it, well done on reducing your debt keep going x :T

cassidy0111

gothrockchic1 wrote: »

Thats brilliant!! Its funny how it always come back to you when you least expect it, well done on reducing your debt keep going x :T

Thanks. Hope all is going well with you too. Just deciding what to do with 15 crisp £10 notes??

cassidy0111

Monthly take home pay- £1699 (work as school teacher. Pension and student loan take a big chunk of my salary)
(salary will increase to £1800.08 as of new term due to pay scale)
Credit cards....
Halifax Credit £1202 @ 19.95% APR
Santander Store £0 @ 29.9% APR

Hire Purchase
RCI Financial £12500(remaining) @ 5.9% APR (£276 per month)

Contribution to parents....
£200 per month (I buy and prepare my own food)

Mobile phone/internet....
£90 per month (this includes £45 per month for ex-partner)

Other expenses....
EIS union @ £12.30 per month (I need this for the legal cover it provides)

Gym membership @ £28.50 per month (I use this everyday for gym/swim)

Car Insurance RENEWED JULY 21st USING SAVINGS

Car tax £215 Due again in September

Savings....
now £0 due to Car Insurance renewal
(£50 per month Standing Payment to be used towards car insurance- i stick to this every month without fail)

Cash....
£200 ish pounds as a result of friend repaying old loan and various underspends

cassidy0111

My car loan and mobile phone costs are HUGE!! This is made even worse by the fact that I use my car less and less as a result of moving back home.

My next target is to start saving towards my own place. To rent or to buy will be my next question!!