Giblet's debt free journey

jwil

Great news about the job

Divingmad

Great news about the job


Have subscribed to your diary so I can keep up

icontinuetodream

I struggle with one job!!;) I am in awe of your three job abilities!!:D

giblet1979

Thank you jwil, divingmad and icontinuetodream; its lovely to see your comments!

The new hours start next week so if I do get paid the extra at the end of the month, that'll be a great overpayment. Much excitement will be had

I didn't get chance to post yesterday as it was very busy, but it was a NSD so that's great :j

Today wasn't a NSD, but it was for a friend's wedding reception (and we only spent around £30) so I'm pleased with that. It's strange though how when you're monitoring your spending carefully, you see how things start to add up so quickly; £20 here, £10 there and before you know it, you'd be overdrawn. I'm also starting to begrudge paying things out for work due to the delay in getting expenses back. I chased up my £400+ today, so fingers crossed that won't be too long. I have to pay for a room next week, plus refreshments for about 15 so worried about what that's going to cost me :eek:

In other good news; I got a bursary to attend a conference (worth almost £200) and job 1 will pay me back for my travel, so I only need to find the cost of 1 night in a hotel. Travelodge (and cashback) will suit me fine, and it's definitely worth the expense

Also, unexpectedly, got £169 cheque in the post from the pet insurance for one of my cats operations, so I hope they'll also pay out for the other one. It amused me that my DH paid for it initially, but the cheque arrived in my name Not sure yet if that'll be earmarked for plastering money, or overpayment. Might wait and see when most of the DD's have gone out where we're up to....

Right, off to update the spends and May's budget in YNAB. Hope everyone is well x

icontinuetodream

Fab news on the bursary and pet insurance payment!!:D

giblet1979

Thanks icontinuetodream - it was very exciting!

Feeling a bit nervous this morning though, as I checked my personal current account balance and I was only £190 in credit. I know I'm very lucky to be in credit at all, but it did surprise me, as I thought it'd be a bit more. Most of the essential bills come out of the joint account except my £350ish travel (and my £850 transfer has already gone out) so that's fine, but it was less than I expected. I know, as I've mentioned before, that I'm owed quite a lot in expenses, and I won't get paid from job 2 till the middle of the month, but it still makes me feel a bit unsettled.

I decided therefore to close my Nationwide savings account and transfer this over (£1300). The bonus amount is ending, and it wasn't a good investment in the first place (now I'm learning more due to you lovely people on here) as it wasn't compound interest. I also remembered that I'd paid out for the carpet £480 ish quid, and this was supposed to be from savings, but I hadn't done this transfer yet. Feeling a little better now (or I will do when the money clears). After spending most of my adult life in my overdraft, I'm loathe to keep going back in now that I'm trying to manage my money better, especially with the charges!

I won't allocate this money out yet, as I still have two payments of £433 to make yet (my old job overpaid me when I left and I have to pay in monthly instalments:(). I also need to speak to DH about how much we've got to pay out for the house; when the plasterer restarts it's at least £120 per day, and we've been putting this off a bit but it's needed soon!

However.....:o
I (hopefully) figured out how to overpay my loan online, therefore made a cheeky £32 payment (underspend in some categories total from April's budget). Naughty me, but it did cheer me up :j

Right, off to get a cup of tea and will catch up on a few diaries! Got the morning off, but in work this afternoon so a few more pennies will be earned.

Hope everyone has a great day,

Gib x

giblet1979

Well yesterday was a working day and NSD (although DH 'owned up' to buying sausage, chips and gravy for his lunch ).

Today will not be a NSD as I'm off to Manchester shortly shopping - really need some clothes (actually went to work in my pyjama bottoms in the week because my only pair of trousers that fit wasn't dry). Very embarassing!:o

Hoping to keep the spends under control but I'm sure I will have to 'fess up when I get back. DH and I have agreed to buy a friend lunch for doing the driving too; I've really got to the point where I hate spending money! I'm taking that as a good sign

Hope everyone has a good day

Gib x

dawnybabes

Well done on the extra hours.

Subscribes, I'm also loosing weight and my son is coeliac so any questions fire away :-)

killerpeaty

Is there no way for expenses to be paid by the company upfront? Or get them to rush through payments? I usually get my expenses within a day of submitting them (we are a small company though).

Hope you get the clothes you need.

julliff

Giblet,

Just thought I'd pop by and say hi! You are doing an amazing job!

Have a fab time in Manchester tomorrow (Trafford or Arndale? Or seomewhere else... I find Trafford Centre a little too big, and exhausting)

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