I'm gonna do this, even if it kills me...

Mountie

Just wanted to say, that thanks to all of you that post on this site, you've given me the push I needed to sort my life out.

I've managed to work out (for once in my life) exactly how much I spend each month, and do something drastic about how much I earn.

I found it easier to write down everything I spend each day (spreadsheet) and categorise it into areas of spend, i.e. food for home, lunches, entertainment etc, and it's amazing how much I am watching what I spend!! This gives me an easy way of tracking my daily spend and as long as I stick within a specific amount each month, I know I won't go overdrawn!! Fantastic! :j

The other thing I've done is to get a second job. I should know tomorrow if I've got an evening job at Sainsburys (fingers crossed) which will supplement my income hugely and mean I can pay off my debts 2 years sooner than originally planned!! (see signature) Ideal!! :T

Just felt I needed to say thanks to everyone that posts. It's really comforting to know I'm not the only one that's managed to get into debt.

I can't wait to be debt free. I've always had loans and overdrafts since leaving college nearly 12 years ago!

Kevicho

Hey good luck! nice to know already youve cut 2 years off your DFD

Any chance of posting your SOA so us nosey (but incredibly helpful) lot can make sure theres nothing you've missed?

I too cant wait to be debt free, looking back ive not been debt free since i started working, which is kinda scary lol

Mountie

Wow!! Just had a call from Sainsburys (interview yesterday) and I got the job!!! Yay!!!

Will have to investigate what an SOA is... sorry, have to confess I don't know!

Thanks for the post!

Dumb_Blonde_3

Fingers crossed for you Mountie - even if you don't get the job there are lots of 'Christmas Jobs' coming up now

Mountie

Ah!! Found the SOA info in the sticky post. I had read it, just completely forgot! Will sort one out soon and let you know!

Mountie

OK, here goes...

Monthly Income:

Salary job 1 £1865.75
Salary job 2 £357.50

Total Income £2223.25

Monthly Outgoings:

Mortgage/Rent £760
Council Tax £90
Electric £30
Water Rates £10
Contents Insurance £9.90
TV Licence £11.61
Sky £26
Phone (hm) £10
Phone (mb) £30
Food £145
Gym £16
Car Insurance £28
Petrol £75
Misc £150 (includes birthday gifts, eating out, cinema etc)

Total £1391.51

Please note, these numbers are AFTER I sat down and revised my spending!! Beforehand it seemed I just spent more on food, petrol, eating out etc. However I have managed to reduce my contents insurance by £10, and reduced my visits to the gym to save a bit.

I hope I've thought of everything.

Mountie

Ooops, forgot to add the most important bit!!!

Northern Rock Loan £12000 APR 5.8% Length of term 72 months, 54 months to go.

Overdraft £300, at 0% (or thereabouts)

Alliance & Leicester CC £3000 APR 0% until July 08, paying this off at £50 a month.