Superpap's positive mutterings about debt/savings...

babes21

Welcome back pap xx

daphne_descends

:wave: :wave:

beanielou

Glad you had a good holiday.
Update us when u get a mo.

postingalwaysposting

Evening all, its nice to be back. Sorry to hear you all missed me :rotfl: So an update...

Our holiday was fab, we went to Paldark mine, seal sanctary Newquey zoo and Lands end. The remainder of the time we stayed in the park or went beach driving (where we just drive to various beaches). Had a fantastic time and we have decided to go twice next year :j

Work is good. They need to find a person to take the other half of my full time hours and then I will be on 20 hours a week. So before tax/ni/pension I should get around £400 per month.

So money... well I have nothing untill next friday (when I will get £25 that mum owes me) and then I have to wait untill payday. I completed stocketake last sunday and I will be doing that again this sunday that should earn me £60 in this months wages and around £40 in Novembers pay. So this coming months soa ~

income ~ £630 (after the whole loan and tax/ni/pension)
£175.00 ~ rent
£5.00 ~ internet
£12.00 ~ house ins
£25.00 ~ locked saver
£40.00 ~ (ish) stamping up
leaving ~ £373 (for argos/xmas gifts/postage)

I had my tax through for my busniess that was for £25 that I was going to pay off this coming 'month' However friday I had a new statement saying I owe nothing So I think I may have to phone them up on thursday.

Argos hasnt moved yet :eek: I am debating if I should tlke it out of my cash isa to pay it off? however then I will then 'lose' that amount in my tax free savings... yet I doubt I will put much in there anyway this year as it all goes in my locked saver :rolleyes: To be honest I would rather have my card oweing £0 well nearly except my brothers. Any opinions?

So thats me... now how are you all? :A

beanielou

Well Ive paid off another CC since you were away~you did ask!!

when does work think they will get someone for the other hours then?

postingalwaysposting

Woo hoo, well done beanie :j :j

To be honest they havent said, they just said it needs filling before I can drop. However they hae interviewed all weekend and as there are loads of vacancys in our department we come first so fingers crossed it may be when I go back after my holiday on the 20th

SarahNeedle1872

Good news on the job Pap, hopefully they will get a replacement soon for your hours....

Glad you had a good hols too.... and of course we missed you!!!

Re Argos, why not just leave the money in your ISA until just before it is due to paid off, then whip it out and pay it off before you're charged any interest

Sarah x

Gemmzie

Re Argos, ditto to Sarah's suggestion - exactly what I thought

Glad you loved my little county PAP I'm going to a Halloween party down Poldark Mine! :eek:

x_raphael_xx

Woo welcome back pap, glad you had a nice break. Hopefully you're all refreshed and ready to tackle work again

How did your mum like the new bed??

postingalwaysposting

Sarah ~ Had a fab holiday Work wise someone is changeing departments so we are now lloking for 3 p/t members of staff insead of the one for me :mad: All the best laid plans and that. I really really want to do that regarding argos but its just knowing that money is sat on the argos card (altough 0%) I dont know it doesnt feel right. However I will get it cleared

Gem ~ I loved Cornwall, I have booked next april off work so fingers crossed we will be back there soon I loved Poldark mine, tis was amazing. Didnt manage to get underground but we will do next time we go.

Raph ~ Mum loved her bed, she has been sleeping much better now and keeps thanking me bless her I can see your little relationship is going from strength to strength.

Right not much to say really. I think I told you all about my broken keyboard and I managed to get a brand new one free. My camera I brought on my birthday broke down, anyways currys replaced it free of charge but it was £20 cheaper. They put that £20 on a gift card and I managed to get a new keyboard. Oh its so nice :rotfl: oh and I still have a few pounds left Ummm fell off the wagon spending wise and spent £10 today on a huge pot of gesso. I have been scraping the tin of my last pot for months but couldnt justify the outlay ~ I gave in today. I now have a shiny 1 litres :j

So thats me really. Not much else to share. Now off to catch up on everyone.