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Time to start a fresh.
Comments
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Ah thank you for confirming this! Im not 100% what the cap was for NI on another jobbadmemory said:You should only pay tax on that at 20%. NI is done for each job individually so under £600 would not have any charged. So £500 gross should get you take-home at £400. You should be safe for a couple of years with no NI, but I suspect with all the HMRC stuff now online that this gov will look at all those people having several jobs which don't pay enough to be NIable & see their next money grab.
I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe boards and spending & discounts boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.
Debt owed;Admiral - £0/£8000
DFW Challenges!
PAD #
365 Day 1p Challenge 2026 #8 £31.65
Pay off all your debts by Christmas 2026! #14 £74.77/£8000
Make £2026 in 2026! £390.05/£2026
Savings goal £91.50/£10000 -
I should have added - as long as you don't have to file self assessment!
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CongratulationsFashion on a ration 2025 0/66 coupons spent
79.5 coupons rolled over 4/75.5 coupons spent - using for secondhand purchases
One income, home educating family1 -
Updated my signature and I'm so close to it being under 5k! Slowly but surely I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe boards and spending & discounts boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.
Debt owed;Admiral - £0/£8000
DFW Challenges!
PAD #
365 Day 1p Challenge 2026 #8 £31.65
Pay off all your debts by Christmas 2026! #14 £74.77/£8000
Make £2026 in 2026! £390.05/£2026
Savings goal £91.50/£10002 -
Well done 👏👏2
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Thank you! I kicked myself up the bum and hey, its now under the 5K!!Parkyp said:Well done 👏👏I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe boards and spending & discounts boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.
Debt owed;Admiral - £0/£8000
DFW Challenges!
PAD #
365 Day 1p Challenge 2026 #8 £31.65
Pay off all your debts by Christmas 2026! #14 £74.77/£8000
Make £2026 in 2026! £390.05/£2026
Savings goal £91.50/£10001 -
Brilliant Jade you are doing so well x2
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Thank you! Hoping to clear this debt asap!xFour_Seasons said:Brilliant Jade you are doing so well xI’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe boards and spending & discounts boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.
Debt owed;Admiral - £0/£8000
DFW Challenges!
PAD #
365 Day 1p Challenge 2026 #8 £31.65
Pay off all your debts by Christmas 2026! #14 £74.77/£8000
Make £2026 in 2026! £390.05/£2026
Savings goal £91.50/£10001 -
Afternoon all!
Myself and OH have done nothing all weekend, I haven't even left the house. No money spent either. Told OH about the job and he reacted how I thought. He doesn't understand why I want another job and I should just "pay my debts" kind of annoying, but I also told him it means I get to save more now for Christmas rather than be skint 24/7. It does annoy me sometimes but I'm determined to prove him wrong and be out of debt ASAP!
OH has gone out for an hour or so, so I'm going to have a cuppa and a nice hot bubble bath!I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe boards and spending & discounts boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.
Debt owed;Admiral - £0/£8000
DFW Challenges!
PAD #
365 Day 1p Challenge 2026 #8 £31.65
Pay off all your debts by Christmas 2026! #14 £74.77/£8000
Make £2026 in 2026! £390.05/£2026
Savings goal £91.50/£10001 -
Hi Jade, does your OH have debt, if not maybe that’s why he doesn’t understand the need for you to clear it so you have extra money each month.
I went a walk to Tesco to get my steps in for the day then I’ve just lazed about all afternoon watching tv. My son was away a boy’s weekend so now I’m having a mad rush to do the housework that I’ve not bothered about all weekend 🤣🤣.1
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