Living @ home and hating it

cassidy0111

Fudgefund wrote: »

Crikey, I've just read through your entire thread - you're going to be debt free in no time!

I hate buying clothes for work, it seems like such a waste of money and I've noticed a recent disturbing trend for buying from Marks and Spencers. I'm getting frumpier by the day. Charity shops may be the final straw.

If you can bear another few months with your parents I'd definitely save up and buy a flat. You can only get a flat for £60k where I live (Manchester) if you're retirement age.

Flats round here have reduced in price a fair bit. There are just so many for sale.

I have managed to cut my debt pretty quickly. It was just a shock to find myself single with a maxed out credit card and bills arriving for a flat that was stretching me to the limit.

gothrockchic1

cassidy0111 wrote: »

Very pleased with my efforts regarding the debt. I could even look at a rental place but I think I will wait until I have some cold hard cash saved.

Hope all is well with you.

Yes Im doing good thanks! What is your target for the next 100 day challenge??

cassidy0111

gothrockchic1 wrote: »

Yes Im doing good thanks! What is your target for the next 100 day challenge??

£1800- £800 to clear Halifax and £1000 towards the new flat fund.

What are your targets?

gothrockchic1

cassidy0111 wrote: »

£1800- £800 to clear Halifax and £1000 towards the new flat fund.

What are your targets?

Im saving to move away, just moving back into shared accomodation at the moment so help me save so hope to get £2000, got more chance as I have paid off my loan :j
Hoping to have £4000 when I move away, £1500 of that will be my credit card which is on 0% so Im stoozing it at the moment!

I think with what you did on the last one you'll have no problems getting £1800 together! Once that CC is gone get yourself on the Debt Free Roll of Honours List!! Would be good to see your name on there :T

gothrockchic1

Hi just popping to say hi, hope you are ok!

cassidy0111

I need to SAVE money towards moving out but find that all my money seems to disappear. Here are my set figures per month...

Monthly take home pay- £1800

Credit cards....
Halifax Credit £140 @ 19.95% APR
Santander Store £0 @ 29.9% APR

Hire Purchase
RCI Financial £276 per month

Contribution to parents....
£200 per month

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)

Savings....
£300 (save £50 per month towards car tax and insurance)

gothrockchic1

Just seen you updated your sig, well done on getting it down to £140!

I cant wait for your DF post!! :j

cassidy0111

my figures....
Monthly take home pay- £1800

Credit cards....
Halifax Credit £0 @ 19.95% APR
Santander Store £0 @ 29.9% APR

Hire Purchase
RCI Financial £276 per month

Contribution to parents....
£200 per month

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 Savings....
£450 (save £50 per month towards car tax and insurance)

Flat Savings....
£1000 (needed for rental deposit, still have most things in storage after my break up)

cassidy0111

Well we have school holidays on 10th and 13th February for mid-term break. I aim to be moving out into my own wee place on or before this date. I have £1000 approx in my "Flat fund" and pretty much everything necessary for the flat. I will buy a new mattress to get rid of any links to my ex!! Other than that, all my stuff is in good condition!

cassidy0111

Not spent any money today. Was a long day at school due to meetings. Just climbing into bed for warmth and money saving reasons.