Saying hello :)

MovingForwards

Just a quick update as another thread (about taking on a PT job as well as their FT job) got me thinking when a manager spoke with me a couple of days ago.

Anyhow, the talk involved overt-time which would give me more hours in the day to do my job.

Out came the calculator (a web page) salary calculator (on another web page) and my fingers were frantically punching numbers in and flicking between the pages to work out OT rates, week of OT and a month of OT against the difference in my normal paypacket.

A bit more maths was going on to work out debt to OT ratio and how many months, yes months, I could clear my debts.

Now, it will take a little time to get the OT hours balanced with my health balance and not do too much OT to knock my health for six, but not too little OT that I give up and think it just aint worth it.

Everyone knows OT cannot and should not be relied on merely snapped up when available. So, IF the company ran OT for the next 8 months I would be debt free and a bit more in the bank towards the mortgage deposit.

So, my great plan is to do one whole hour each working day (five days a week) this month and see how I get on. If the OT is still on offer in October, bag an hour a day, each day for the month and again see how I get on.

The Sept/oct OT plus some savings from my normal salary will cover cheap debt 1 and 3 which is the outstanding amount of the CCJ, then have it marked as satisfied and improve my credit history a smidge

Today I cheated as it's nearly the weekend and I managed a whole 1.5 hours

Toomuchdebt

Wait so if I only ever use Netflix or youtube on the tv do I not have to pay TV licence?

MovingForwards

Sorry toomuchdebt I didnt see your comment. Nope, no licence as we do not watch live tv, there are several threads advising when a licence is required

Just popping back in to update my not-a-diary post

I managed two days of OT last week and so far have done two days of OT (1.5h each day), with another one planned tomorrow, the rest of the week I am just doing 1h extra a day.

Sadly next week I wont get OT rates as I have a day off and so they dont pay OT rates unless you have worked X hours per week (I know, dont even go there as it raises an eyebrow with me!)

I have also managed to get a survey for this week which will give me a couple of extra quid (so missed doing these since moving as it was nice to earn a bit extra every now and again and have yet to make a contact up here who does them and yes, I have asked my ladies I used to do them for but they have no contact up here to put me in touch with).

I am also going to start doing my online surveys again, they dont pay out that often but anything extra is a bonus

Sorted out my car insurance and saved a fair bit staying with my insurer (yes, strange but the price dropped and dropped again at my new place). Cant save anything on tax as that is free. I also only put petrol in once a month, when it's gone it's gone

Looking at sim only deals ready for when my contract is up (£27 pm at the mo).

MovingForwards

Another little update.

My O/T plan didnt quite go as planned this week due to a crippling migraine, means all the O/T I did manage this week will be paid at flat rate. Still, money is money!

Been putting off looking at getting a credit card to start showing I am now a responsible borrower but sat here I just thought I would have a look and go the soft check route rather than chance it with my own bank (was only graded as 'likely to be accepted', but bank loan/ over draft shows as 'highly likely', so got a bit more cleaning to do before I try them).

Had a choice of 8 cards, one was my bank but only showed 60% chance of acceptance and I thought the odds were not high enough to take the risk.

Anyhow, I went through the others and ruled a couple out due to 50% chance of acceptance.

Debated higher interest overall, but short ish 0% interest or BT , didnt think I would make good use of them.

Opted for the one with the lowest apr (24.8%) and to my shock (due to having a ccj) got accepted.

So, got to wait for it to arrive, set up direct debit to clear the used balance (petrol/food shopping) monthly and be a responsible adult.

When my ccj is paid off and falls off I will be trying my own bank for a credit card.

Really feels like I am that small step closer to being able to get a mortgage in a few years

theoretica

Am I reading correctly, that you are paying a fee to a company for your DMP because you are unsure of the contact details and references for all the debts? I would expect this to count as 'your data' and as such is something they would have to tell you (though maybe not in a nice easy to read format) if you asked.

MovingForwards

Just another update in my not-a-diary thread.

I pushed myself too hard at work by trying to bag a load of OT and have been off sick this week. Gona have to take stock of where I am, what I am financially working towards (house/bungalow) and how to get it and still be in one piece. More than likely the OT is off for me as it is too much for me on top of my normal hours due to the impact on my health.

I have had a snotty email from the DMC, in response to my assertive one, with all the account numbers, DCA details but I have to try and cross reference it with the balances to make sure I only pick up mine and not my ex's. That is on my to do list for when I am better.

Debts are down a bit more, savings are increasing (all the pots combined are my emergency funds in case of me facing job loss as the breadwinner) so every month is a step closer to the mortgage deposit.

Nothing much else to add at the moment but it is all going in the right direction!