early 40s and not fabulous at all

EssexHebridean

The only thing I'll suggest is that you save yourself some work and rather than re-depositing what is left, roll it over to the next week's cash, ie reduce the withdrawal, and make the transfer online so save having the hassle of queuing at the bank or paying in through the machine. Still achieves the same end, but with less work, which is a way of doing things that always works for me! :rotfl:

And that's a massive great WELL DONE on the overdraft/card thing - seriously, you're getting it!

Plush

That's a good idea Essex, thanks! I was actually thinking about something like that, will see how it works in practice.

I got my payslip today (pay day tomorrow) and I'm annoyed once again. Deductions (tax, NI, pension) are half the gross amount! They should have been much much less...

My employer put me for some reason on a temporary non-cumulative tax code (because they earlier incorrectly reported company benefits....) so that means I was taxed this month as if my salary was double than the normal amount.

I called HMRC today and they did change the tax code back to a cumulative code, and apparently I will get a refund through my next payslip, but the lady refused to tell me how much is the refund; she said I needed to wait until I get the letter with the correct tax code and the next payslip....

So I now have to adjust my plan to pay some of the CC debt... I was really hoping to be able to pay about £1,800-2000 this month to the CCs... but now I have to split this amount between Dec and Jan and I have no idea how much I'm owed in Jan. I believe it's at least £1300 that I'm owed back but I might be wrong... In any case I can only pay off £800 this month, based on what the payslip shows. Aargh!

EssexHebridean

Oh Plush that's totally rubbish - you shouldn't have to be out of pocket because the company have made a mess of it either!

Plush

PS. The other thing that I didn't think about re: my cash plan is that I do buy most of the groceries online (with some top ups in shops) so I will have to adjust the weekly amount that I take out in cash. I'm not very practical, am I?

Plush

EssexHebridean wrote: »

Oh Plush that's totally rubbish - you shouldn't have to be out of pocket because the company have made a mess of it either!

Yeah.. luckily is not essential bills or food money, and it will be corrected in the next payslip, but obvs. very annoying. This is my first day of hols and they've managed to spoil it!

Plush

Signature updated, I'm at £12K now, paid £800 to Sainsbury's and Barclaycard1. Hope to pay at least £1000 more in January when I get the tax refund - will see when I get it.

I could have paid £300 more to the CCs but I decided to save the £300 until the end of January. Instead of paying £45 per month to the gym - the first payment was due 1 Feb - I will get an annual membership and save £90. The annual gym membership is £450 and I can claim £150 of that - because I have a work allowance. So all in all the gym fee will be £25 per month, from 1 Feb 2018-1 Feb 2019. That's all my yoga classes paid for until Feb 2019, and I might go to Zumba once in a while just for fun, since I don't have to pay extra.

Also, I have added £600 of my bonus to a savings account - which will be my emergency fund. I have budgeted £50 per month starting January, to feed that account.

That leaves me with £753 spending money in Halifax until the January pay day. All presents purchased. All bills and childcare and clubs/sch lunches are on hold in Barclays, Oyster card loaded for Jan. I already bought all the groceries for Christmas, just a few bits like fresh bread and milk needed. The £753 is a bit more than usual but my parents are here until the 29th of December.

That's all for now. I'm volunteering with a homeless org this weekend so I won't log in until after Christmas.

Merry Christmas to all of you and your families!

117pauline

Happy New Year

May all your hopes and dreams come true in 2018

Take care
Pauline

Thank you for popping in on my thread, your support is so appreciated

erniethecat

Sounds like you're doing well in trying circumstances. I know how mood disorders suck. Nothing's really wrong, but you just don't care about anything. Good on you for making progress despite it!

Plush

Happy New Year to all of you! and thanks for reading and contributing - this diary has helped me a lot and I hope I can give something back.

I've started a new thread as I'd like a more positive tone for 2018, to go along with my mood at the moment.

Please don't post on this one anymore. See you in 2018 - here's the link to the new thread:

https://forums.moneysavingexpert.com/discussion/5767172