Keeping afloat till I can get round to the debts!

NeverendingDMP

Bank holiday ✓ back at work today ✓ bank account. Desperately awaiting payday 😂 GT paid on Friday. Am still in less debt than last month but it's not been pretty. Schools back soon so budgeting should be more predictable 

jwil

It's been a loooooong month in terms of payday!

Sarahwithlove

I second the long month. Payday can't come quick enough! 

NeverendingDMP

My payday is Friday and wage slip due soon. This will be my first full flat wage so I'll know what I'll be paid each month. I have an idea as last month I had a payment towards a desk(they fund it if you work from home). Will be easier to work out the budget once I know.

Just logged in. Inbox full. How does this happen overnight. Ah well keeps me out of mischief 

jwil

NeverendingDMP said:

My payday is Friday and wage slip due soon. This will be my first full flat wage so I'll know what I'll be paid each month. I have an idea as last month I had a payment towards a desk(they fund it if you work from home). Will be easier to work out the budget once I know.

Just logged in. Inbox full. How does this happen overnight. Ah well keeps me out of mischief 

I swear they all wait until you log out then send over loads of emails!

NeverendingDMP

Wage slightly better than what salary calculator had said so am happy. Definitely going to be able to break even and breathe a bit more being full time. And being able to work from home has been great. I've only spent 250 on childcare this summer -we've both had a week's worth of leave to help. A leave the house full time job would have cost me about 175 a week and left the eldest home alone all day which we've  only had to do twice all summer-hes not quite ready but needs must as no childcare round here once u leave primary 

jwil

Great news about the pay! 

NeverendingDMP

So update for record keeping. Debts in my name 

1976,  2139 and 2616.

Debts in OH name

Unknown - 4k plus I would imagine and 4323.

Bills/e fund savings account has about 400 in it.
General account should hopefully has enough for day to day stuff till payday. 

1976 is on 0% till April and who I bank with so I left that running on minimum. My other two are defaulted and I need to start sending something now I'd think. It would be nice to get savings pot with at least a 1000 in it by Xmas!  Due a pay rise of 100 a month which will help if they agree it before the end of fix term. (Don't find out till a month or so before if it will be extended or not)

Boring update done 😂 have a good day everyone!!

Sarahwithlove

Now they have defaulted I'd reach out to companies to set up a payment plan. Just make sure its affordable to you 

jwil

I agree with keeping your payments as low as you can.  It's better to be saving.  Make sure your budget is worst case scenario - including perhaps needing childcare all through the holidays.