Any advice needed

myteeduck

Hi last came on in june sometime. Was in an ok position. i had lots of good advice then and im hoping i will again. The main worry i had all those three months ago were that i was stuck in a cycle of putting essentials on credit card and wanted to start using cash. my main fear that i had was that if i got a full time job it would get worse. Well i now have a full time job, start on monday and im on here for advice on how to help to save the extra that i earn for saving for a flat or house deposit and trying to pay my car off early. I have done a statement of affairs (3) one is an old one, one is this months and one is an expected next month one. The problem is the credit card spending hasnt got better.... its got worse! really want to nip it in the budd now. Coz i have left the job of all temptation (QVC outlet store) im fearing that ill make another shop my home, eg Primark! will be working in in an office, from 9 till 5 for two weeks starting so will have to take lunch and wont be able to visit shops in the day, (absolutely hate going at weekends unless i have to) so this two weeks will be ok. Might be able to save the dosh from the second SOA however, after the two weeks i move to shifts, arrrrr time will become free to shop!!!! could have days off in week, my ideal shopping time! Any advice again would help, the elastic band advice from my last post did not work on me, i forgot to wear it! here goes my SOAs:

Statement of affairs – Previous one


Incoming

Wages - £625.93 (approx)

Total - £625.93

Outgoing (JUNE) as example

Peugeot – £144.95
Alliance Credit card – £150.00
Specsavers Contact lenses - £15.00 (Fixed till I cancel)
O2 – £29.99 (Fixed till August) – never go over.
Savings in to linked account – £20.00 – Fixed till January.
Board to mum - £60.00 (Fixed till get full time job)
Savings to mum account - £20.00 (Fixed forever – used to go to tax but now only pay £40.00 per year it will be xmas fund).
New look Store card – 50.00 Approx– (I know its naughty, but I pay it in full)

Total – 489.94

Remaining – 135.99.

APR – alliance credit card – 16.9% (always pay in full, never let interest occur)

ISA – £40.00
Savings Account – 40.00


Statement of affairs – This month


Incoming

Wages - £754.98 (approx)

Total - £754.98

Outgoing (September) as example

Peugeot – £144.94
Alliance Credit card – £285.47 – new phone was £80 but got £100 to pay bills for next few months

O2 – £0 (Fixed for 18 months) – nothing to pay for 2 and a half months as on a buyback then £35.00 per month
Savings in to linked account – £20.00 – Fixed till January.
Board to mum - £60.00 (Fixed till get full time job)
Savings to mum account - £20.00 (Fixed forever – used to go to tax but now only pay £40.00 per year it will be xmas fund).


Got rid of new look card and contact lenses

Total – 530.41

Remaining – 224.57.

APR – alliance credit card – 16.9% (always pay in full, never let interest occur)

nothing in ISA or savings as had a bad month and had to use it.


Statement of affairs – Next month – Full time job started


Incoming

Wages - £900.00 (approx £1041.00 before tax) 12,500 per year

Total - £900

Outgoing (October) as example

Peugeot – £144.95
Alliance Credit card – £170.71 – Needed new clothes for new job

O2 – £0 (Fixed for 18 months) – nothing to pay for 1 and a half more months as on a buyback then £35.00 per month
Savings in to linked account – £20.00 – Fixed till January.
Board to mum - £200.00 (Fixed till get full time job)
Savings to mum account - £20.00 (Fixed forever – used to go to tax but now only pay £40.00 per year it will be xmas fund).


Got rid of new look card and contact lenses

Total – 555.66

Remaining – 344.34.

APR – alliance credit card – 16.9% (always pay in full, never let interest occur)

nothing in ISA or savings as had a bad month and had to use it.

Again please help, especially as my car insurance is due spetember and this time ill have to pay direct debit but next year i dont want to have to!

Thanks for any advice in advance!