Starting again.. (again!)

JLS1901

So I ll be getting a start date next week!! HURRAH!

I went out last night with a cousin who I haven't seen in 4 years, we got drunk and now I'm hungover ughh not very MSE!!!

So I'm off to see my mate tonight and going to discuss moving in with her and have a Chinese and probably wine lol...

Have a good day everyone
Welly x

louby40

Oh that's great news! Let's hope you start work soon.

JLS1901

Funny how things happen and change.. So was I going to leave my current house share and looking for something else.
I was texting my aunt this afternoon telling her about things. She has said I can go and live with her and my uncle for a few months rent free so I can pay off my debts and save up for a place of my own.

This of course is going to help massively as I will be able to pay off my debts and save for a deposit for a place to rent in about 4 months.

Fingers crossed I get a start date tomorrow.

Welly x

JLS1901

So this is my new SOA.
Obviously I'm not paying rent or bills. Fuel gone up as a bit further to commute. I need to seize this opportunity to the full and pay off all my debt then try to reduce my monthly outgoing to as little as possible so I can get my own place.

Statement of Affairs and Personal Balance Sheet

Household Information
Number of adults in household........... 1
Number of children in household.........
Number of cars owned....................

Monthly Income Details
Monthly income after tax................ 1100
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 1100

Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax............................. 0
Electricity............................. 0
Gas..................................... 0
Oil..................................... 0
Water rates............................. 0
Telephone (land line)................... 0
Mobile phone............................ 29.5
TV Licence.............................. 0
Satellite/Cable TV...................... 0
Internet Services....................... 20
Groceries etc. ......................... 120
Clothing................................ 0
Petrol/diesel........................... 150
Road tax................................ 16.18
Car Insurance........................... 77.6
Car maintenance (including MOT)......... 20
Car parking............................. 0
Other travel............................ 13.2
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 0
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 10
Haircuts................................ 0
Entertainment........................... 20
Holiday................................. 0
Emergency fund.......................... 20
Total monthly expenses.................. 496.48


Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 1200
Other assets............................ 0
Total Assets............................ 1200

No Secured nor Hire Purchase Debts

Unsecured Debts
Description....................Debt......Monthly...APR
Tesco .........................1250.58...25........0
Halifax O/D....................750.......0.........0
HF CC..........................726.16....16.18.....0
Friend.........................1900......0.........0
Total unsecured debts..........4626.74...41.18.....-


Monthly Budget Summary
Total monthly income.................... 1,100
Expenses (including HP & secured debts). 496.48
Available for debt repayments........... 603.52
Monthly UNsecured debt repayments....... 41.18
Amount left after debt repayments....... 562.34

Personal Balance Sheet Summary
Total assets (things you own)........... 1,200
Total HP & Secured debt................. -0
Total Unsecured debt.................... -4,626.74
Net Assets.............................. -3,426.74

Created using the SOA calculator at https://www.stoozing.com.
Reproduced on Moneysavingexpert with permission, using other browser.

JLS1901

Starting my new job tomorrow HURRRAH!!

NeverUnderestimate

Well done on the new job Welly! You sound ecstatic.

And it's lovely of your family to offer for you to stay with them rent free. It really will help you alot.

I hope your first day goes well today.

NU x

[Deleted User]

Finally!

Hope you are loving the new job.

Let us know how you are getting on & also great news about lodging with your Aunt & Uncle.

Dxxx

JLS1901

Thanks everyone! Been a good day, been on the road most of it doing post runs etc round all the local GPs etc. Think I will enjoy it there.

Been struggling a bit knowing things with my ex are over for good, seems he has a much older lady on the go and well I just feel like a fool. I know I have done the right thing but it does hurt.

Wellyx

[Deleted User]

Glad you are enjoying it.

Oh you will get over it, there will be times when you just dwell on what was which is totally natural. Don't feel like a fool, at the end of the day it is his loss in the end, you deserve better.

Dxxx

JLS1901

So I survived my first week in my new job! I say survived but I've really enjoyed it and think I'll be really happy there.

Handing in my notice on my room tomorrow, quiet weekend otherwise.. off to move some stuff to my aunt and uncles and join the gym.

Will hopefully get all my £200 deposit back well no reason why I shouldn't then I can save this for debt payments (hear horror stories from the new lad about not being paid correctly) so will save it just in case until I get paid...

Emotionally I'm still exhausted, I feel sad that I was made a fool of I really thought I'd notice and well that he wouldn't do that to me.. but it's his loss!!

Welly x