New place, fresh start..

JLS1901

So I got another fine from HMRC for £520, so I've had fines totalling £1710.50. Joy.

I've borrowed the money to pay them. Had a major wobble last night was thinking of withdrawing from uni giving up on the dream.

Then I thought no, yes I've made some bad decisions and I've messed up at times but I want this, I need to do this.

So I went round last night listed all the food I had in went and did a mini shop this morning. I had more than I thought so no need to buy anything else for the moment.

Got a lasagne cooking will do for tea and work lunches for the weekend.

I'm also in the process of listing items to sell from my flat, if it's not nailed down its going...

Have a good weekend everyone...

Welly x

GlendaSugarbean

Hello :j You are doing a fab job! You are still young, now is the time to get your education in and get into a career you will enjoy. How long is the degree course? By my reckoning you have 30+ years of potential earnings to sort stuff out. I've just bought my first house in my mid 40s. It can be done

JLS1901

GlendaSugarbean wrote: »

Hello :j You are doing a fab job! You are still young, now is the time to get your education in and get into a career you will enjoy. How long is the degree course? By my reckoning you have 30+ years of potential earnings to sort stuff out. I've just bought my first house in my mid 40s. It can be done

Thank you Glenda! It doesn't feel like it! I feel like I'm going backward money wise but I can't give up on the dream not yet not when I have got this far.

I have to look at the positives I will be living somewhere much cheaper and working towards something I have wanted for so long. I will find a way to get the hours in to get the debt paid off.

The course is 3 years, I'll be 32 when I qualify but as you say got to do it now and still plenty of working time left once I have qualified..

I have a dream of owning a cottage by the sea in Northumberland

Welly x

JLS1901

So it's Monday and a fresh start on all accounts. I'm starting my diet again or rather being more mindful of what I eat, I'm an emotional eater and when things get bad I just tend to go off the rails and eat like a mad woman.

I'm also trying YNAB again, I've heard so many good things about it and the bits I've tried before I do enjoy it I just need to get my head round it all!!

Sold my old netbook yesterday for £50 got that in cash and I've hidden it away so I won't think to spend it!

Going to do some matched betting today, I only do a bit when I can and can't make masses as I don't have a huge float but will do what I can.

Hope your all enjoying the sunshine!

Welly x

JLS1901

Morning everyone,
Nothing much to report, my student finance has been confirmed so that's a weight off my shoulders, I have an interview next week for the supermarket job I applied for in the city I'm going to uni in so fingers crossed for that.

Been using YNAB and finding it really useful so will keep going with that.

Woken up with a banging headache and I feel so crappy, thankfully it's my weekend off. Boyfriend came to stay last night but he was tired and grumpy he's got some other stuff going on but won't tell me what's worrying him and it makes me worry but guess you just have to do what you have to do.

Tomorrow I'm gonna start packing some stuff I want to take to a carboot when I'm off next.

Have a good weekend

Welly x

GlendaSugarbean

Good news on the student finance

JLS1901

Nothing much to report really, had a second interview yesterday for the supermarket job I will know by Friday.

Slowly starting to sort things out to sell from my flat. It's all getting a bit real now so scary!! Hopefully gonna do a bit of overtime at work as someone is off sick so hopefully a bit more money!

Welly x

JLS1901

Well off work today as had an awful night last night. I can't sleep and I feel so stressed about everything.

My total debt including my car is £15,028 which is terrifying. I'm focusing on paying off the smallest credit card before I start uni. I've been budgeting a chunk every month to go into an emergency fund.

I might be considered mad for going back to uni but if I don't I'll be stuck forever, plus it's something I have always wanted to do.

I find I'm such an emotional spender, I also think living in a shared house again will help. I won't be sitting stuffing my face all the time. I'm just gonna try get some overtime this month and next in my current job and hopefully will have something sorted for September!! Can't cope with these stress headaches forever!

Welly x

GlendaSugarbean

I could say 15K is not much on the grand scheme of things but I doubt you'd believe me . In any case, you have a plan, you're chipping away at it and you're investing in your future. You WILL get there.:beer:

JLS1901

It's alot but I know I won't have it forever.. just got to keep plodding on and do what I can.. got a call today, I got the job!! So I'm pretty much sorted for uni now I will start the job in September once I have moved

So going to have a weekend of listing things to sell and sorting out. The next 6 weeks will fly!

Welly x