advice on life situation!

samsam89

Del_Astra wrote: »

That is what they want you to pay, so you do not pay it off within the 0% period. So please pay the balance, (or at least pay the balance into a savings account so you can pay it at the end of the interest free period). That is how they make money. Whilst I use a credit card, I do pay the balance in full each month.

So currently on my credit card I have £160 (for the drink drive course) with 10 months of 0% interest remaining on the card.

I am going to pay it off in full this month and hopefully every month until I am done. Hopefully before the end of the summer.

NAR

samsam89 wrote: »

I disagree about the credit card though - I had no option but to do it that way because the court ordered me to pay on or before the end of June. I'm not using it for anything else other than the costs imposed by the court.
I haven't ever paid off car insurance as one lump sum - I have always paid monthly.

Sorry I didn't explain myself about the credit card very well. You very wisely have a 0% card for 12 months. What I was trying to say was avoid putting bills/expense on your card that you cannot clear by the end of the 12 month period.
I think everyone here has been trying to give you good advice and I'm glad you are seeing that life isn't easy when it comes to finances. Good luck with finding your way through this.

samsam89

NAR wrote: »

Sorry I didn't explain myself about the credit card very well. You very wisely have a 0% card for 12 months. What I was trying to say was avoid putting bills/expense on your card that you cannot clear by the end of the 12 month period.
I think everyone here has been trying to give you good advice and I'm glad you are seeing that life isn't easy when it comes to finances. Good luck with finding your way through this.

Thanks NAR.

I completely understand that I shouldn't put bills or expenses on that I can't clear within 12 months...I haven't done so and have no plans to do so.

I just want to clear this court fine ASAP and get full time hours so I can start making progress in life rather than having to deal with nothing but problems.

Del_Astra

samsam89 wrote: »

I have been scouring the job sites but have yet to find anything available at all thus far.

I live in a small pocket of Norfolk so when jobs like that come about - they generally attract a lot of applicants.

I'm not being dismissive and lazy because I am truthfully looking but the job market is rather baron at present.

:TI do appauld you for taking it on the chin and working your way out of it. If only more people took this attitude, the easy way out would have been to not pay the fine, eventually you'd have been put away for two weeks and not had to pay it. So fair play and good luck with the job hunt.

I recall leaving home and it was difficult that was 14 years ago and I had 3 times a month what you had, plus a demanding g/f that is now a demanding wife

samsam89

Del_Astra wrote: »

:TI do appauld you for taking it on the chin and working your way out of it. If only more people took this attitude, the easy way out would have been to not pay the fine, eventually you'd have been put away for two weeks and not had to pay it. So fair play and good luck with the job hunt.

I recall leaving home and it was difficult that was 14 years ago and I had 3 times a month what you had, plus a demanding g/f that is now a demanding wife

Thanks.

I'm sure i'll get there one way or the other.

Life isn't simple so I guess I should get used to it

quintwins

Personally i wouldn't move out until you can support yourself, not as a couple but just yourself, £400 a month won't cover all your bills and rent.

What will you do if things don't work out between your and your girlfriend? (i know it's hard to think that way) and you end up on your own (if you do move out make sure the tenancy is in both names so she is liable for half and you can't end up homeless) sadly i've been burnt myslef and my income was alot more than yours yet i was still sat in the dark with no heat or elec more than once.

Also i would over budget when you do decide to move out, i had little choice in leaving home and even tho i budgeted it was alot more expensive than i first predicted and prices just keep going up.

samsam89

quintwins wrote: »

Personally i wouldn't move out until you can support yourself, not as a couple but just yourself, £400 a month won't cover all your bills and rent.

What will you do if things don't work out between your and your girlfriend? (i know it's hard to think that way) and you end up on your own (if you do move out make sure the tenancy is in both names so she is liable for half and you can't end up homeless) sadly i've been burnt myslef and my income was alot more than yours yet i was still sat in the dark with no heat or elec more than once.

Also i would over budget when you do decide to move out, i had little choice in leaving home and even tho i budgeted it was alot more expensive than i first predicted and prices just keep going up.

I wonder if it makes more sense to gradually save up a deposit on a small mortgage before we move out?

That idea is obviously a long way off but I hate the idea of renting because we would be paying for something that at the end of the day won't be ours.

lowlitmemory

samsam89 wrote: »

I wonder if it makes more sense to gradually save up a deposit on a small mortgage before we move out?

That idea is obviously a long way off but I hate the idea of renting because we would be paying for something that at the end of the day won't be ours.

Personally I would say NO. Live with your girlfriend first before committing to something as huge and binding as a mortgage.

Just my opinion of course :beer:

lauroar

samsam89 wrote: »

I wonder if it makes more sense to gradually save up a deposit on a small mortgage before we move out?

That idea is obviously a long way off but I hate the idea of renting because we would be paying for something that at the end of the day won't be ours.

Is this feasible if you're already feeling pressure to move out? Realistically, it will take you years to save up a mortgage deposit considering your current circumstances.

Don't underestimate the cost of living away from your parents - as well as the rent you also have to pay for gas, electric, water, phone line/internet, council tax, TV licence, food, cleaning products, contents insurance (I assume these are also free in your current situation?), car expenses, petrol and that's before you think about having any sort of social life or buying yourself a new tshirt or whatever :eek:!! Oh plus at least 1 months rent as a deposit! I can't feasibly see you being able to do this on your current wage.

If I were you, if moving out and in with your gf is your priority I'd be doing everything I could to up my income to a full time salary and even then saving up for a few months to get a bit of a cushion of money for unexpected expenses. If staying with JLP and progressing your career with them is your priority then I'd shelve the idea of moving out and be very grateful to your parents for letting you live with them for free for the time being. Only you know which is more important for you, obviously.

Good luck! It's not easy being young I know - I'm a similar age and feel the pressure to be having a great career, relationship and social life all at the same time!!

ska_lover

Sam,

Sometimes, you just gotta make the best of a poo situation.

Heres how I see it. You like working at JLP - yet JLP cannot offer you the hours you need to sustain yourself as an adult. The hours that they offer you are the kind of hours a student would do etc. You could be waiting a long time for this to change.You are waiting for something that is not availiable.

We cannot always get what we want in life mate, I mean where I work - its carp in a lot of ways and there are many other companies that I would rather work for. Yet those jobs aren't availlible. That is life. Sometimes you just have to play the cards you get dealt.

If you take a second job - you are gona get taxed heavily on that (more so than on your first job) so consider this option carefully as you can be much better off if you just have one fulltime job. Not only that, but its hard juggling two jobs, two working patterns etc - ive been there and am definately better off in every single way just doing one fulltime job

I guess what i am trying to advise is stop waiting for something that may never happen and look for a job which can afford you the standard of living you want - i.e to move out of your parents.

Only a thought anyway, hope it works out for you mate