Plans for the future...

debrag

So my wage hasn't changed because they (ESR) haven't received my change form, sent the email straight to my manager to get it bloody sorted out!! She leaves in a week, I don't think it will be sorted by next pay as thats this Wednesday Will get 5 months 2 weeks ish back pay though.

Spent £4 yesterday, nothing today, also NSDs Wednesday+Thursday.

debrag

My Vanquis account was past over to 1st Credit who offered me a full & final settlement which I accepted and paid. Vanqus have it down as a credit and that I still owe the remainder, I think now!

Going to be tight during December as I have budgeted £200 for all xmas presents and with the new tax code I dread to thing what my wage will be.

debrag

Right so gone a bit crazy spending wise last week, up visiting family and spent too much. I get paid again next Wednesday so need spend nothing till then and all xmas presents have been bought plus the xmas alcohol, just need the food now.

Finally my second ref has been sent off but not heard from the job yet. My change form still hasn't been received and we now have a new ward manager, so no clue what to do now!

DEBTS:
PDLS = 1795

SAVINGS:
HOLIDAY = 550

debrag

New aims:

2x12 hr shifts at 2nd job = £500 ish a month
Mortgage fund = £30k by 2021

debrag

So we are now in serious savings mode due to the holiday.

Flights = 1140 | NYC hotel = 800 | Dover hotel = 849 | Washington hotel 450 | Total = 3239 | Total saved = 850

Need to book Dover hotel ASAP as its the only hotel free, then I think flights come next.

My 2nd job has finally received my last reference so I'm just waiting for that to be approved. If I can do 2 x 12hr shifts a week I'll be doing 5 12hr shifts a week in total, god knows how I'll fit my studying in.

debrag

payday today and a nice amount. £600 after all bills so thats £300 on the holiday with £300 to last 5 weeks on food and general spends, aim to save £100 of that.

debrag

new aim:

Lose 84 lbs in 52 weeks
- cut out junk food (subways only on pay day)
- have breakfast
- no more bottles of Dr Pepper & Cherry Coke
- start military fitness
- less alcohol (yeah right!)

So I bought the hotel for Dover and our saving starts again.

debrag

So I started my second job yesterday finally! Bring on the extra money.

Starting to save for a flat/house!!! Have £5k which my parents are giving us and I have opened up an e-isa. Aim for £250 a month till October then £470 for 26 months and I'll have £20k ish! Will unfortunately still have one default

Oh and paying back more on the PDLs.

debrag

Have worked out I shall have paid off all my debts by Jan 13 as well as saved everything for the holiday in September.

debrag

Right so I will have worked 31 hrs @ 6.67 and 36 hrs @ 8.07 this month on my second job, this won't be paid till end of Feb but should be around 390 ish after tax This is going into a different account to my main wage and will be money to live of each month.

I am basing my budget on my basic wage which means it will be a tight month next month, I will always have some unsocial hours so this should help me out.

My change form is still being looked at, it would be nice if it was sorted for next pay but think it will be Febs pay, there is actually someone looking into it now and not just me ward manager! Will get back pay but with tax it won't be much.