Time for change...

HeadAboveWater

That's the spirit Miss Positive

Sunshine is FAB! Long may it continue!!

JLS1901

So turns out agency were messing me about as the job hasn't come to anything!! Grr I hate time wasters!! Anyway the farmer is going to speak to me sometime this week about my availability to work for him. There maybe a possibility of full time if not enough hours to quit supermarket and fit in around college will be fab! But we shall see.. This weather is so nice.. Just not so good in a full set of waterproofs!!

JLS1901

Right so had a chat with the boss last night, he can give me plenty of hours to fit in around college so I ll be able to quit Tesco, the only thing is he employs people on a self employed basis which will probably work out better tho as I'm hoping to get some relief work at another farm... Bring on all the stress and paperwork!!

Welly xx

HeadAboveWater

Aaaaah never straight forward!! Hope it all works out!

BTW, you need to update your signature again as it's got April's date on it!!!

JLS1901

This is so bloody mind boggling... luckily one of my best friends i an accountant so she's going to help me!

Off to update sig, hope your well HAW

xx

JLS1901

Right I really really need to sort myself out. I need to be more strict, I'm spending too much money on stuff I don't want and need.

Overall including my overdraft at the moment I owe £1832.14 (Overdraft isn't in sig as its interest free until I finish college next year) but that's bad... So now is the time to push on and try get myself sorted. Off to work soon but tonight I will put some things on ebay and fbook to sell. I need to be more pro active in finding more work now I'm self employed I can do more supermarket hours but seems daft when I can make more money working for myself. Anyway I'm rambling now..

Welly xx

JLS1901

Hello everyone hope your all well... It's all change here.. I've just handed in my notice at the supermarket so have 2 weeks to left work.. someone has left the farm so I'm now milking 2 mornings a week and every other weekend for almost double the money at the supermarket and there will be extra shifts which will bump up my wages.. and it fits in around college.. and I'll have the same weekend off as my sister so we ll be able to do stuff together!! Ok so a 4.45 am start is going to be a bit of a pain till I get into a routine but I'll be done by 10am so plenty of time to do other things..

So I should be in a better position to be debt free sooner rather than later off to work things out again and will be back with a plan...

Welly xx

JLS1901

Statement of Affairs and Personal Balance Sheet

Monthly Income Details
Monthly income after tax................ 400
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 400
Total monthly income.................... 800

Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 275
Management charge (leasehold property).. 0
Council tax............................. 42.5
Electricity............................. 23
Gas..................................... 0
Oil..................................... 30
Water rates............................. 18.55
Telephone (land line)................... 11.5
Mobile phone............................ 35
TV Licence.............................. 6.06
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 70
Clothing................................ 0
Petrol/diesel........................... 200
Road tax................................ 0
Car Insurance........................... 16.26
Car maintenance (including MOT)......... 30
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 4.24
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 0
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 30
Total monthly expenses.................. 792.11


Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 0
Other assets............................ 0
Total Assets............................ 0

No Secured nor Hire Purchase Debts

Unsecured Debts
Description....................Debt......Monthly...APR
TESCO CC.......................1300.......35........0
Total unsecured debts..........1300.......35........-


Monthly Budget Summary
Total monthly income.................... 800
Expenses (including HP & secured debts). 792.11
Available for debt repayments........... 7.89
Monthly UNsecured debt repayments....... 35
Amount short for making debt repayments. -27.11

Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -0
Total Unsecured debt.................... -130
Net Assets.............................. -130

Created using the SOA calculator at www.stoozing.com.
Reproduced on Moneysavingexpert with permission, using Firefox browser.

JLS1901

Ok so it seems there was confusion over my hours so will be doing 4 days less a month than I thought and -£200. I'm thinking this might be a blessing tho as really must focus on college and doing well in my degree. The wage is still higher than supermarket so I know it's the right thing to do.

Just got our electricity bill and it's going up again to £48 a month, really going to try and get this down as it's silly... Thinking about switching but not sure if it will save us much in the long run.

Getting a lift to college this year with a friend so that should get the fuel bill down also going to see about staying over where possible.

Sunday will be sort out day and going to be ruthless and anything I've not used in a year will be sold, keeping hold of too much junk.

Just a few thoughts.

Welly xx

JLS1901

Feeling utterly crap today just feel like I'm going round and round in circles.. Feel like I'm never going to be able to get rid of this debt and save.. I know my debt is nothing in comparison to some people and I shouldn't worry but its really stressing me out! Been lying awake at night wondering what to do. Got my friends wedding next month god knows how I'm going to afford that but can't not go

Off to hang the washing out...

Welly x