The Beginning of the End

River.Bee

Oh and I might add just for the record, my wardrobe is the most understocked wardrobe you'll see for a 20 something! And I'm not exaggerating like most girls do. I literally have about 8 tops, a pair of jeans (the new ones) and a black pair of jeans for work. I HATE clothes shopping, I can never find anything that agrees with me and I get so fickle. Hence why I think I spent so much on clothes before my LBM because I hated most of the clothes I bought after I bought them!
But I had been thinking for a few weeks now I should add some more tops to the attire since some of my old ones are starting to look a bit tatty, and the two I bought today I definitely do like

River.Bee

Just a quick update since I haven't logged anything on here in a while. A DD came out today towards my Lloyds CC, only £10. Upped it to £15 starting next month.

I've changed around my budget and moved money from my savings pots into a new category called 'debt over payments'. I really really really want to get rid of my Lloyds CC so I only have the Barclaycard debt left. I've planned it so every spare penny I have will go into that category. Got £350 in there at the moment, and it's really encouraging to see that I could pay off such a huge chunk in one go. Gonna wait and see how much I can spare to put in there up until my last pay day - late May. Then hopefully if I can manage without that money until September, which will be my next pay day, I'll pay it off
I've left £100 savings just for holiday spending money for next month. Although I'm gonna try and not spend the whole amount, hopefully.

Only had 4 hours work scheduled this week hoping for more in the next (and last) two weeks of work

Hiddenidenity

Look forward to following

I will subscribe x

Well done on the progress you've made so far

River.Bee

Barclaycard DD came out today for £60. Slowly chipping away still. I've paid £284 since my LBM back at the end of March

6 weeks until I can move out of this hell hole of a house :j

I've got all the evidence I need to send off to student finance aswell. I just need to write my letter asking them to grant me an extra year's funding, then I will play yet another waiting game to see what their reply is :eek:
Mentally I'm feeling a lot better recently, now that the ball is rolling on sorting this out.

River.Bee

I finished my last shift at work today as it closes for the summer. That means no guaranteed income until September :eek:
But I was given double the amount of hours this week to what I have usually been given; a whole 8 hours! :rotfl:
So my last pay should contain around £105 + £32.40 extra for the holiday pay I've accumulated :T
I've got £400 sat in my 'debt over payments' category in YNAB now :j Gonna wait until the end of June to use it though, just to make sure I can afford to lose a huge amount like that without causing me more trouble.

And I've sunburnt myself today, loving the sun this week though! :beer:

River.Bee

Ugh feeling a bit demotivated lately. I really want to throw all my 'spare' money in the debt over payment category at my Lloyd's CC, but that'll just leave me with £318 left until September- as in £318 remaining of my overdraft limit; I havent had an in-credit bank balance since mid 2016

And right now I'm in a limbo period as to whether I'll even be a student in September. I (finally) managed to get all the evidence I needed for Student Finance and sent it off on Wednesday. It got delivered the next day but who knows when they'll give me a yes or no decison
I'm feeling low not having the certainity of an income or my future right now :(:(

Cherryfudge

Any chance of summer work?

I'd say let the debt wait a bit longer because you don't know for sure that there won't be some emergency need of the 'spare' money. If you can hold out till September, though, you'll still have the satisfaction of reducing the debt.

River.Bee

Thank you Cherry fudge for the advice. I think I'll take it and leave the spare cash for now. See what direction my life is going to go first lol summer job wise I have been looking. There is a few I think I can do, just gotta apply and hope for the best

River.Bee

In other news I've been given early access to the Skipton Cash Lifetime ISA :T opened it today with just £1 haha
Officially £1 towards buying my first home. Officially
Can't believe how excited it's made me but I've been wanting to open one since they were first announced.
Sad thing is I can't safely allocate any large funds to it until after university, so a good 2-3 years yet. But still I'm happy I've finally got the Lisa. :beer:

Cherryfudge

River.Bee wrote: »

Officially £1 towards buying my first home. Officially

:beer::T:beer::T That's amazing! What a good feeling!

Best of luck over the summer jobs. Who knows what adventures lie in store?