A new budget, a new determination, a new diary.

hign10pines

YNAB is doing my head in. I am £9.20 out on my accounts. My 'budgets' appear correct the 'amount available to budget' is what I had left before payday. Just my online statement doesn't match up!

So tempted to start all over again from Aprils pay.

EDIT: Sorted (kind of) thanks to the lovely hiddenshadow on the YNAB thread.

hign10pines

Oh and :sad: to RBS. Went to open my account this morning as the online ID thingy wasn't working for me but I forgot you have to book an appointment with them to do it! Now doing it on Wednesday afternoon. I forgot they did it differently to other banks and didn't just send everything off for you.

Hoping my Barclaycard turns up real soon. I have decided to pay of cashplus, capital one and aqua as soon as it arrives leaving me with just the Luma card and closing aqua & cash plus. Means a bigger balance on the Initial but a bigger payment also - £85 from month one and less interest. Though I could just pay £65 and pay £35 to luma instead of just £15.

Right I need to go off and play with repayment calulators and look at interest.

hign10pines

Right so spends for the rest of the month

brewery visit - £20
youngest nieces birthday - £15
work foods - £15

Money left in accounts = 70

Ended up not going to the A&E interview. Feel I should probably stay where I am for the next year or go into something that will have progression. I shall be aiming for nurse training again next year and if that isn't successful (secondment or not) then I will have to look at other career possibilities. I don't want to be were I am for much longer. Wonder what I could do with a 2:2 degree in Health & Social Care

hign10pines

So I am 350 words into a 2500 word essay that needs to be in tomorrow by midnight. I''m not doing very well with this as I. Going to have to do it all day tomorrow instead of going to training. My fault really, I was just procrastinating way too much!

hign10pines

Right Barclaycard has arrived but transfer had hit an issue. Can't transfer over the Cashplus account or Aqua as that has only a £77.17 balance and can't transfer below £100.

So basically I shall transfer capital one and luma onto barclaycard paying £30 a month. I shall pay off Aqua within 2 months and then start paying cashplus £70. So in 4 months I should have closed luma, aqua + cashplus and cleared capital one, then I can pay £100 onto barclaycard and pay that off in 2 months.

I will start using capital one for my monthly food order paying it off each month, hopefully soon I shall get better deals with them and barclaycard.

hign10pines

Extra shifts for June -

21st May - 11.5 night shift - paid 3rd June - £141 before tax
27th May - 11.5 day shift - paid 10th June - £97 before tax
30th May - 11.5 night shift - paid 17th June - £141 before tax

hign10pines

Transferred over Capital One and Luma and will cancel Luma as soon as the transfer is complete.

New debt is:

Luma = 0
Capital One = 0
Barclaycard = 312
Cashplus = 165
Aqua = 77
Virgin = 2877

hign10pines

Well I got a letter from 'staff bank' yesterday saying that they are not impressed with my % of shift cancellations especially at the last min. One area I like working on (but shifts come up rarely) have blocked my from booking shifts as a shift that I canceled wasn't canceled so I didn't turn up! I did cancel it in time but staff bank again didn't so it's all my fault!

I never leave it to the last min (unless I'm ill) but staff bank have been messing people about of late. Oh well need to get my final reference for the nursing home then I'll work there even if it's less per hour.

Have decided that this time next year If I'm not doing my nurse training then I will look at finding a part time job in an area I really want to work in and then make up the hours with staff bank/nursing home.

hign10pines

hign10pines wrote: »

Extra shifts for June -

21st May - 11.5 night shift - paid 3rd June - £141 before tax
27th May - 11.5 day shift - paid 10th June - £97 before tax
30th May - 11.5 night shift - paid 17th June - £141 before tax

Have played around with my budget and included £125 for food and £100 for spends but nothing for my 'savings' - replenishing my holiday savings account and repaying Halifax & Barclaycard. I am -£36.33 using my basic wage but should easily be covered with the extra from unsocial. Anything left is going into the 'misc' category to be added to savings at the end of the working month.

The extra shifts quoted above will be used for £150 towards my holiday savings and £150 to the credit cards. So £106 + £73 + £106 after deductions = £285 so just short.

I have a fair few shifts in June to be pad in July so July is looking good. :T Lets see how many of them don't get cancelled.

The reference for to care home still hasn't been done though

hign10pines

Have emailed another nursing home about bank shifts, maybe I'll end up working both of them. My ward manager still hasn't done my reference, when I last asked him he said he had something like 3000 emails to go through.

I would like to pay the gym membership + holiday fund + halifax credit card + barclaycard credit card with this money & unsocial (so main wage above £1620*) so looking at £380.50. I am averaging £1285 each month, £215 above basic wage** leaving £165.50 to find.

Around £207 before tax:
Nursing home = 29 hrs a month
Extra hospital shifts = 24 hrs a month weekdays or 17 hrs Saturdays or 12 hrs Sundays

To make the full £380.50 after tax is £480 is 16 hrs a week with the nursing home or 13 hrs a week weekdays (less hrs is doing unsocial).

I think trying to make £207 is more manageable, anything above that can go on debt/savings.

* £550 is OH share of bills
** basic calculated on bottom of band 2 not top where I actually am.