My Graduate (Post-Student) Debt Diary!

MrJester

>12 Months

sauceoclock wrote: »

You're in a very similar situation to me post-uni, though I didn't owe friends and family, I owed my overdraft and very similarly nailed paying that back so that I didn't owe!

How is Destiny?! I'm trying to consider if it's worth the investment >:]

Yeah I'd like to get out of the overdraft as then I'd actually own the money for once ha

Destiny is fun, it's better to play with friends, if you get it and play on PS4 let me know

As for the diary..
I had a slightly naughty weekend, spent a few quid on a few drinks at bars on saturday night, so spent a bit of cash and I've got about £100 left until Friday, but like I said before amazon is going to take £100 but I can make purchases on my Halifax card for now as its 0% period on both BT and purchases so no worries there.

I've got friday morning booked off work so I can go get an iphone 6.. I know its not very money saving but its something I want, selling my current iphone will fund half of it too. If I have enough cash from pay day I might buy two if they let me, and sell one for profit straight away
I also want to, though, get a new bike to commute to work as soon as possible.. so I can stop wasting money on the travelcards for the tubes and instead spend a bit up front and then bike commute. If I make profit off a second iphone sale then it should be no problem, but will see how it goes!

Brightspark87

hi just wanted to drop in love your london life dealing with things

Good luck and hope that I can continue to follow your journey

MrJester

>12 Months

Brightspark87 wrote: »

hi just wanted to drop in love your london life dealing with things

Good luck and hope that I can continue to follow your journey

thank you! yes feel free to read my endeavours

MrJester

>12 Months

Soo got just over £100 in my bank. I submitted a closure of accounts to Barclays last week as I had two e-savings and one ISA account, all been unused for a long time, just to simplify the account so when/if I want to move banks for better deal its ready to go easily.

I've changed my Amazon charge to my Halifax CC, as its 0% on purchases still. This will max out that card. But at this moment keeps me with some money for the rest of this week (until payday this Friday), hoping that it comes to Thursday and I have most of this £100 left and I can send that off straight to my mother to pay her back some more of the money I owe her, currently £200 left after a successful pay to her of £100 last week.
Once she is paid back, I can for a while forget about having to give her money back, I still owe her thousands and thousands the way I see it, but she knows all her support to me should give a good return on investment when I earn enough and pay for her for the rest of her life! That'll be a great day, literally is one of my life goals, keep her in luxury the rest of her days!

So I'll get paid on friday for about a full calendar month pay, but then also an extra 8 days or so because of the way the payments work (paid mid month, partially in advance for that full calendar month) and when I started this job. So it should work out around an extra £6-700 of pay for me (before tax, though).
Which will be pleasant and useful this week, as I have some purchases to do.
I'm planning on finishing paying off my mother by the end of this month.
On friday I will be heading down to queue for the iPhone 6, my plan is to buy two if I have enough money, and sell the second immediately for a nice markup on eBay after. It's just easy money! Did the same at the PS4 release and the profit paid for half the cost of my own PS4. Just a no-brainer with popular tech.

Then with the profits I'll be looking at a foldable bike hopefully I can get one this weekend, and stop wasting money on the tubes. Which have been a nightmare already this week, so I am SO adamant on doing the bike commute, London roads are going to be a scary challenge but will test them out at the weekend providing I get the bike then, and it will be well worth it, good exercise, I love biking, same time commute but without having to pay £120 a month on a hot, sweaty, cramped tube. Another.. NO BRAINER!

Happy Tuesday.. probably the most depressing day of the week cause theres still another 3 days after this to go ^_^'

System

Wow! Well done, it'll feel so good to pay your mum back finally.. I know what you mean about the long-term return investment! I'm working my way up slowly but surely so that I can treat my parents... Already planned a trip away with them with my sister for their birthday next year... Something I've never afforded before.

Good idea with the iPhone 6... If I could go and queue I would, damn work!

A friend and I did a London cycling course (it was free) to learn how to safely navigate the buses etc. because it's a different world cycling in London to back in my home county! I'll have a look later and see if I can find it, might be worth looking in to.

How long is your halifax card remaining as 0% on purchases? Be careful maxing it out and then having to start the cumbersome journey of balance transfers! They're my least favourite thing on the planet!

System

http://www.tfl.gov.uk/modes/cycling/start-cycling/cycle-training?cid=fs033

Check this out and see if your borough has a cycle training scheme, they find you the quickest route for cycling

MrJester

>12 Months

sauceoclock wrote: »

Wow! Well done, it'll feel so good to pay your mum back finally.. I know what you mean about the long-term return investment! I'm working my way up slowly but surely so that I can treat my parents... Already planned a trip away with them with my sister for their birthday next year... Something I've never afforded before.

Good idea with the iPhone 6... If I could go and queue I would, damn work!

A friend and I did a London cycling course (it was free) to learn how to safely navigate the buses etc. because it's a different world cycling in London to back in my home county! I'll have a look later and see if I can find it, might be worth looking in to.

How long is your halifax card remaining as 0% on purchases? Be careful maxing it out and then having to start the cumbersome journey of balance transfers! They're my least favourite thing on the planet!

Yeah it will. But in my head, I still owe her every penny I have.. but hopefully one day I shall not feel that anymore when I start paying for everything for her
That's good that you can plan a trip for them, I'd like to do something similar for my mother, will look into that next year (Groupon deals )

Yeah I thought so, though I just don't know what the queues are going to be like, whether I even get one for myself or not! Considering I'll be at the London flagship store it might be crazy. I'm thinking getting up around 5am and just head down there, people are camped outside already apparently!

Well what I know is that the Halifax CC is 0% purchases until end of October ish, I have the date somewhere. I'm not sure if that means that, if I have not paid off any purchases after that date, then I will be charged interest? I assume it does. It should not be a problem though, its pretty much just temporary and will pay back any purchases balance on the card before the 0% on purchases ends. Then the rest of it is still 0%, £100 of which is until next feb, and the rest of it until 2016.

sauceoclock wrote: »

http://www.tfl.gov.uk/modes/cycling/start-cycling/cycle-training?cid=fs033

Check this out and see if your borough has a cycle training scheme, they find you the quickest route for cycling

Thanks, will look into it!

An update on my progress.. I've had this £32 groupon voucher I had not used, so last night I bought myself a £24 osteopathy treatment for the weekend. I suffer from back pain due to a herniated disc issue from a couple years ago, muscle is still pretty much dead in lower back and causes constant pain, got a physio appointment soon but any chance to get a bargain massage (or osteopathy) into my muscles to try and invigorate them is good, stretching etc only does so much, need to proactively repair the muscle. Anyway....

Picked up a fan local deal off eBay for £4.. big box of 300 phone accessories arrived yesterday too which I paid like £24 for. Now I just need to sell the items. Not sure what I will do yet, but will look into it at the weekend, as its A LOT of stuff, and varying types like chargers, i phone cases, stylus pens etc etc, will have to seperate what I can eBay realistically and the rest perhaps sell on to a car boot dealer, or do a car boot myself somewhere (still researching local ones). Someone on gumtree may take it off my hands, as long as I can squeeze some profit out of it, then its been worth my time.

I have an EE case going to CISAS.. to dispute contract terms and get me out of the contract due to price changes, that may take a while if it ever goes through, but will be worth it to get out of these rubbish contracts where you're basically just paying off the phone. Buy the phone outright, and go sim only and you always get a much better deal both money wise and the mins/texts/data is always a hell of a lot more! SCREW locked in phone contracts for two years.. I'm realising how much of a bad idea they are.

Signed up to Swagbucks this morning! Amazon vouchers for surveys seems handy to me. And with the MSE deal, gotta earn 849 in 60 days and Swagbucks will make it from £5 worth to £15. Nay bad deal.
(See here:
http://www.moneysavingexpert.com/family/make-money-online?utm_source=MSE_Newsletter&utm_medium=oneliner-three&utm_term=16-Sep-14-lt&utm_campaign=family&utm_content=1#swag)

Looking forward to Friday! Pay day, possibly (hopefully) new iPhone, half day at work and a weekend hopefully full of interesting things.
Going to casino with workmates friday evening, everyones just going to see what they can do with £20 within an hour for fun. I stay away from gambling now though I do football bets from time to time, money wasting I know I do it for fun when I'm good for money. Haven't been casino in quite a while though so lets just hope I come out with some sort of profit from the evening. :T

Brightspark87

Hi well done on the bike and good luck but please promise me you will get a helmet? My brother cycles in london and has been hit several times over the years and I dread to think what would have happened if he hadnt had one!

MrJester

>12 Months

Brightspark87 wrote: »

Hi well done on the bike and good luck but please promise me you will get a helmet? My brother cycles in london and has been hit several times over the years and I dread to think what would have happened if he hadnt had one!

Well now I'm going to have to with you making me feel bad arent I! Haha thank you

MrJester

>12 Months

Hi all. I've been off work today, come down with some cold/flu thing, started out as sore throat and its morphed into an exhausted feeling sick feeling, annoying!

But in better news, I have been paid my first pay check from my new job, yesss! Now I can do many things like pay bills and lower debts etc etc! So I was paid as expected, after a colleague noted it to me, that I would be paid for the full September calendar month, and then 8 days extra because I started on the 20th August and pay is always each calendar month.

SO, that means my first pay check is larger than usual, this is good for many reasons for me like getting a start on debts.
I've sent back a hoover I got off Amazon for £30, one of those handheld but also has poles you can attach mini hoover type thing, as I won a Dyson cyclone one on eBay for around £110. A bit of an extravagant purchase, even second hand, but its something I feel like I do need, and something that will last a long time will be worth the small investment.

Tomorrow morning if I feel well enough, around 5am I'll be getting up and heading off to the local Apple store to try and snag me a couple iPhone 6's with my pay check, selling one on eBay over the weekend for quick profit (£££!). Paycheck was good enough so that I can do that and still have spare cash if I need it, but I plan on selling the extra iPhone pretty quick. I don't even know if they'll let me buy two, but if they do then I shall be.
If I can make quick profit with it then it will go towards buying me my new /or second hand folding bike for my London commuting.
Those tubes gave me this awful cold I have right now, hot sweaty disease ridden, I'm so adamant on not having to use them every single day -_-'
Fresh air and exercise much better.
Oh I'm also still selling my current iPhone on eBay, which will go towards new iPhone/bike purchases too.

So assuming everything goes to plan this weekend, I could have a successful one whereby I make some profits to help me get what I need and want and pay debts.

All depends if I feel OK to get up at 5am