Finally reaching out for some help...

f1widow

Hi Ive been awol for a few days and have just caught up with your diary - you've been doing so well - like the tip about the big maltesers!

I can understand your worry about new pay day - I hope this helps and does not worry you more but when Ive started at a job they generally pay you at the end of the month you started the job - however many weeks you have worked ie if it was two weeks to payday when I started I got paid two weeks money - rather than worry is there anyway you could find out - do you know anyone who works there or could you phone personnel? - Perhaps thats a bit direct but thats what Im like - maybe its not the done thing!

Well done on the catalogue being paid off :j:j big pat on the back and cheer with that one - you should be proud of yourself!

kerri_dfw

Morning!

Thanks HP about the tip about the kindler, I'm getting it from the rainforest though as I have vouchers for it there (£70 and counting).

F1 I haven't paid freemans just yet, but as soon as my payment to vanquis clears (so I don't get charged interest) I will be paying them in full. I have also checked through old bank statements to see when I got paid with the new company for the first time the last time I worked for them. I started on the 16th aug and was paid the end of that month, so really confident I will be fine for Feb

Have just checked my b/a and I'm getting £2030.11 this month as season ticket loan is fully paid I've tapped this into my spreadsheet and allocated everything to the right column, this includes paying freemans in full which leaves me with roughly £100 remaining. I'll put this in my pot in case I need more petrol than the £100 I've allocated (new job already requires travel to the Reading office for the induction). Also, as I don't have a season ticket from 5th feb onwards I'll have to start PAYGing which will need to be allocated. My petrol usage that I know of for this month coming will be 1 trip to bmth this weekend, 1 trip to cardiff the following weekend and a trip to Reading for induction (although if cheaper can be done by train/coach). I have emailed my new manager to ask which office I should be attending, this should all be expensable if it's not for my base office

I've text my mechanic to tell him I don't think I will have done 2k miles between now and end of Feb, so can I please move the service to end of March. I'll be in a better financial position then and the car should have done enough miles to warrant a full service (sat at 38k atm). Which reminds me, I will have to call the insurance and get business class 1 re-added to the policy as I am likely to drive to more than one place of work.

Having allocated everything to different budgets I feel a whole lot more in control, just hope I can still manage this when I actually have the money in the account instead of just numbers in a spreadsheet. I think I'll pay vanquis straight away so that money is gone, then when it clears next Tuesday I'll be able to pay freemans outright. I can't remember when the statements come through, I seem to remember it's a day or so after payday.

With Freemans gone I'm going to have to start to tackle the hsbc overdraft, which is going to be tricky as they charge you £25 if you change the OD amount more than once every 6 months. I'm going to try to set the money aside to do this and not spend it. If I can manage this then next month I'll be OD free. I guess with budgeting I should be able to do this easy enough, but the temptation will still be there eep.

I'm really hoping that as I settle into the habit of having £20 a week for my purse and £20 a week for groceries that I'll stop waiting for payday all the time. I used to work with a lady that had no idea when payday was because she budgeted like this *fingers crossed* that I can do the same

SpagBol

kerri_dfw wrote: »

2nd purse in simple terms using beans as example:

* put £10 in 2nd purse
* go to lido and buy 10 packs of beans @ 99p each (can be less packs but * get as many as you can afford/eat in a set amount of months, I'm doing 6-12mnths atm)
* record in spreadsheet
* find out current price of beans and record in spreadsheet on a weekly basis so you know what your shop should charge
* buy beans from shop at current shop price (64p)
* put 64p into 2nd purse (if you bought all the beans you would now have £25.60 in there making £5.60 profit)
* go out and buy when there's an offer

Nope, still clueless :rotfl::rotfl::rotfl: Why would you buy them at 99p if they are 64p? (Need a cross-eyed confused smily here!)

kerri_dfw

SpagBol wrote: »

Nope, still clueless :rotfl::rotfl::rotfl: Why would you buy them at 99p if they are 64p? (Need a cross-eyed confused smily here!)

They were 99p for 4 tins, they're currently 64p for 1 tin so profit of 39p a tin.
I've setup a thread that details it a lot clearer let me find the link... ah here There's about 30 of us all joining in now and I have written up the best deals on the first page for each SM. Although there are probably more, and some are probably not as good as they could be, but I don't buy all the products listed.

PinotGrigio41

SpagBol wrote: »

Nope, still clueless :rotfl::rotfl::rotfl: Why would you buy them at 99p if they are 64p? (Need a cross-eyed confused smily here!)

Yey....its not only me then Spag Bol !!!:rotfl:

PinotGrigio41

Kerri, It sounds like things are still going great. :T

Good to here you shouldnt have any major panics in feb over pay day ! I am finding it so easy to have different budgets for each expenditure. If theres anything left in any of them at the end of the month they go in my F&F or Emergency Fund.

I have decided to have nothing in my purse at all , although I do have a jar with change in, so I raid that if I need an odd cheap something. If I had £20 a week, looking longingly at me from inside my purse, I think it would disappear in a puff of smoke. So far its working, and its stopped me buying any magazines which were my downfall.

Ive seen your 2nd Purse thread, but I havent had a chance to read through it properly.

Hope you have a good day x

kerri_dfw

Right I'm all set with my spreadsheet, I now just enter things into the right column on my spending diary sheet and it updates all the rest, cool huh? I've also hunted down some olive oil which I need, that's going to be this months 2nd purse purchase It costs about 44p/100ml and I think that's fairly reasonable for organic olive oil. I will decant it into a nice 500ml olive oil bottle and charge myself for the full price which is £4.75 whenever I run out and have to top up the bottle. That'll be a very nice saving of £25.51 when I've used it all up I know I should be buying cheaper brands etc, but my body is a temple and I don't want to put anymore chemicals in it than London already does with the smog

Right off out with work for "congratulations we managed a migration" drinks and nibbles, but only 1 drink for me as need to walk my housemates dogs

rdchick

Hi Kerri!

I have followed you from the xmas thread hope you don't mind!

Yay for second purse, sounds like a great idea! By any chance do you work in IT? as in websites etc?! Just the migration thing sounds rather familiar! haha

Keep it going!

Stephie xxx

kerri_dfw

Hi Stephie, I do indeed I'm a database administrator. Although I haven't touched a database for months, hence the change of job when I will be flat out with the databases

Right off for work drinks,
Be good everyone and don't panic about the money it's just a small part of our lives even if it feels big.

hp48910

Have fun :O)