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Why is spending money so easy......

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  • Snwps
    Snwps Posts: 230 Forumite
    Fourth Anniversary 100 Posts Debt-free and Proud! Photogenic
    Re 2nd job.... I have my main job (2 days a week), I then work in a supermarket on Saturdays and then I do some childminding too. I didn't find any issue job hunting, try to be as flexible as possible even if hours aren't perfect. Once you're in, it's easy to 'tweak'! I originally accepted 16 hours (too much for me!) and then 6 months later reduced to 8, which is what I wanted in first place.

    Hi OSHDTH, thanks for your comment. I may have a bit of good news (don't want to count my chickens). I've got a meeting/interview later today to be a take away delivery person. I need to find out the details but fingers crossed this may be ideal and they seem pretty flexible. Will keep you posted.

    I had 2 interviews with one of our local supermarkets but didn't get the jobs. I was up against younger uni/school leavers who were much more flexible than me but never mind.
    Original Debt £37,493.25 @ 25/05/2019 - Now £0 @ 24/02/2023 - £37,493.25 - 100% paid
  • teafor2
    teafor2 Posts: 3,322 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Hi Snwps. :) Just read your diary and want to wish you good luck on your journey. Fingers crossed the jobs come off for you and DH, as you say it will make a massive difference. I've subscribed. xx
  • suki1964
    suki1964 Posts: 14,313 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Snwps wrote: »
    Hi Suki, thanks for your post. All good points made. DH and I follow the same principle as you to some effect in that I take to work what ever is in the cupboard/fridge that morning and left overs are so quick as it's just a grab and go lunch.

    What happens with us is that I go shopping on a Tuesday after work once DH gets paid (he gets paid weekly) to do the normal weekly shop. But as the kids need packed lunch Mon-Fri I find it easier to get the weeks packed lunch stuff on a Sunday to last the next 5 days as its fresh. Plus if I was to get the stuff with my normal weekly shop on a Tuesday the kids will eat the Mon/Tues stuff over the weekend so will need to go shopping anyway. I am strict though on the Sunday shop in that I only get whats needed so in effect it makes no difference if I was to buy it on the Tuesday or Sunday cost wise.

    We're only talking stuff for sandwiches, crisps, chocolate bar, piece of fruit.

    I would love to see my kids faces if they opened their lunch boxes and saw they had 2 eggs and some soup. :rotfl:

    I suppose I could move the weekly shop day to a Sunday and do it all in one. May have to try that out. :beer:


    The less time you spend in shops the less money you spend :)

    Seriously, if I run out of say bread, I would rather pay the £1.50 the local shop charges then go into lidl or Tesco . Because if I go to the local shop I will lift the bread and thats it. If I go to lidl or Tesco, thats £10 spent that I had no intention of spending and that happens every time I go into a shop "just for"

    Here and don't knock my two eggs, I beat them up, nuked then for 2 mins and stuck them in a bap - an egg mcmuffin :rotfl::rotfl::rotfl:
  • Snwps
    Snwps Posts: 230 Forumite
    Fourth Anniversary 100 Posts Debt-free and Proud! Photogenic
    Well a little good news (I think). I got the pizza delivery job and start tomorrow night! I was so releaved and it seems like a fun place to work and I love being out and about driving. The only problem is since the meet I've been reading up on the issue on the insurance being a delivery driver. I have business insurance as standard fully comp on my car and they have a 3rd party blanket insurance for while you're working your shifts but I've read that this cover is not enough in the event of an accident/if pulled over by the police?

    Does anyone have any experience/thoughts on this?

    Even though the hours are not guaranteed I've asked for 15-20 hours a week and the boss said he'll try his best to give these but its just a waiting game to see if this works out. It's minimum wage plus I get £1 per delivery plus tips on the night.

    If this works out as planned it could really make a dent in our debt.

    Other news. I've sold 9 items on ebay and made £40.79 profit after P&P. So its a good start.

    Today I plan to take kids for haircut, tidy the house (althought DH done a pretty good job yesterday so it's just a potter about) plus put more stuff on Ebay.
    Original Debt £37,493.25 @ 25/05/2019 - Now £0 @ 24/02/2023 - £37,493.25 - 100% paid
  • Snwps
    Snwps Posts: 230 Forumite
    Fourth Anniversary 100 Posts Debt-free and Proud! Photogenic
    suki1964 wrote: »
    Here and don't knock my two eggs, I beat them up, nuked then for 2 mins and stuck them in a bap - an egg mcmuffin :rotfl::rotfl::rotfl:

    I love eggs, they're so versatile. As they say if you've got eggs in you've got a meal.
    Original Debt £37,493.25 @ 25/05/2019 - Now £0 @ 24/02/2023 - £37,493.25 - 100% paid
  • Congrats on the job! My brother did pizza delivery for a while and his insurance covered him for business use (direct line). He used to make a decent amount in tips on Friday/Saturday nights and Got a pizza to take home most nights too
    DFD March 2025 (£35000 paid off)
    FFEF £10000/20000 saved
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Subscribed. Congrats on the second jobs between both of you. Are you following the R@msey plan?
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • db2016
    db2016 Posts: 343 Forumite
    Seventh Anniversary 100 Posts Name Dropper
    in these days of just eat etc, surely tips are a thing of the past on this kinda job?


    pre paid, i havent handed cash over for a takeaway in a couple of years (average 1 a month).
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I still tip food delivery people... kids don't though.... so it depends who ordered / paid
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • Depends on the pizza company... the smaller ones aren’t on the online systems.
    Personally, I give delivery drivers £1-2 tip even if bought online
    DFD March 2025 (£35000 paid off)
    FFEF £10000/20000 saved
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