frustration!!!

ceridwen

Isnt it just so frustrating....... being in debt. Have now got v. little compared to many people. I keep reminding myself that it wasnt forever ago that I had £5,000 plus of debt and I'm now down to about £1,000 and it will be gone defo this year - but its still very frustrating. Probably in that I havent been out going wild with chequebook - well I dont think so anyway! My debt is basically down to having an old house that needed a lot doing when I bought it - and then having a paycut subsequently (rather than the payrise I anticipated) - dont think I'd be nearly so frustrated about it if it was due to me going mad with money. I know I'm clearing at least a bit of it each month - but on the low salary I am on - I can't look to clear much even in the best of months. I've done plenty of overtime beforehand - but thats not possible now (for which I am secretly thankful - as I cant stand my job). I do do any bits of casual work I can get at a reasonable rate of pay - ie better than the dayjob - but they're not that frequent. Basically - there are opportunities available for other casual work - but only on NMW (not worth giving up precious free time for only - at a guesstimate - about £4 per hour net - particularly when you have problems finding enough energy anyway).

Sorry - just a bit of a rant I guess - getting it off my chest. Does anyone else get frustrated at just how long it takes to clear even a small-ish amount of debt if one is on a low salary? All (constructive) suggestions welcome!

lynzpower

I dont have anything overly constructive to say apart from to say - your end is nigh, and be grateful for that! As it could have been more and you could have felt like you do for longer

If you are in london, theres a ( above board) opportunity - I know my employer is looking for extra people.

Lynz
x

RAS

Hi

have a look at Chevalier's posts on mystery shopping and survey web-site. Only a few quid but..

Also NMW should be nearer £6, are you too young for the full amount?

ceridwen

Thanks for replies

Lynzpower - Thanks v. much. 'Fraid I'm nowhere near London though!

RAS - well old enough for full NMW - but I was referring to the net NMW - as I've already used up my personal allowance on the dayjob - so would lose about 30% approx I'm guessing of anything extra I earn - hence my guesstimate of NMW extra earnings only being about £4 per hour. Lovely - give up 3 hours say and get about £12 in my hand! What odds and sods of casual work I've got are basically £12 per hour and self-employed rate of tax (in other words - a good deal better pay than my low-paid dayjob) - so its worth flogging myself up into trying to have enough energy for them just about - but cant really find any more of them, as supply is rather limited.