I can't think of a witty name for my diary

rubyinamountainofrocks_2

Hi Everyone.

Just need somewhere to help motivate me and also I do a lot of surveys etc. but don't really record it all, which I think would be useful.

I have always preferred to start things on a Monday or the 1st of the month because I am a bit of a freak like that :rotfl:but let's face it Friday's are nicer. I don't have massive debts just a small credit card and a £1500 (interest free) overdraft.

However, I would like to tackle my overdraft. I am also job hunting at the moment, so was going to wait until I had some money coming in to do this but I figured it would be better to start now and my job hunting will be part of this diary and my journey.

So for now I am going to transfer 1p a day into my overdraft account so it keeps in my mind and also I think the figure going down will motivate me and I will be more likely to carrying on doing it with bigger amounts when I can.

rubyinamountainofrocks_2

Today's Penny is in

unimaginative_user_name

Good luck with the job hunt and with repaying the overdraft. Do you mind if I ask if there's a time limit on your 0% overdraft? It would be great to pay it off before you get charged.

By the way I can sympathise with your thread title. You can see I had a similar problem when I signed up for the forums and had to choose a user name!

rubyinamountainofrocks_2

Thank you very much

There are 3 years before interest starts being charged (graduate account). So hopefully, plenty of time!

Great username - maybe we are the creative ones really

rubyinamountainofrocks_2

Well I have had a phone call offering me a job interview on Monday so that's a good start

It's one I need to prepare quite a bit for so going to spend a couple of hours on it today to get started (probably with lots of tea)

rubyinamountainofrocks_2

Lol - another phone call for an interview on Mon! One is in morning and one in the afternoon thankfully :j

unimaginative_user_name

Good luck with the interviews! Keep us posted. Once you have an idea of your income over the next few years you should be able to pay off your overdraft £500 a year.

GreenSaints

Hey,

I paid off my student overdraft this month. It was also £1500 and wasn't being charged interest, but mentally I needed it gone so I could concentrate with my other debts. Also, I had that when I was at uni in 2007!

Good luck with your journey

rubyinamountainofrocks_2

Thank you very much.
I will keep you posted!
£500 a year is less than £1.40 per day, so your right once I am working I should be able to clear it easily within 3 years or sooner.

Well done on paying it off :T
I know what you mean about it being psychological I need to pay it off otherwise I will just ignore it for 3 years!
Thank you very much and good luck to you as well

rubyinamountainofrocks_2

Hi Guys!

Well yesterday certainly could have gone better!

I was late for the first interview :mad: due to getting lost. So annoyed at myself first time I have ever been late for an interview. Even more annoying as the actual interview seemed to go pretty well!

And the second one I did not feel properly prepared despite having done lots of work on it. I just did not feel I had enough time to develop ideas and practice enough. Suppose everyone else had the same though.

Oh well, moving on and keeping positive. In a good mood (must be the sunshine ) and I am going to a "recruitment event" - i.e group interview tomorrow.

Have a good day everyone

rubyinamountainofrocks_2

Also, just had a response from an agency regarding some part time warehouse work I had applied for, didn't get it as I don't have experience, although they did say there was a possibility more vacancies can come up. At least I am know registered with them and they have been keeping in touch.