Hayley's Debt Free by Dec 08 Diary

thepinklady

The new shape Ford Fiesta. I'd love that car, but the sporty ST version in black with white stripes. Looked on Autotrader and it would set me back £11,000. So not worth it for a Ford. I'd rather get a Honda Civic Type R for that, the old style though.

I best get back into the real world though, as look at cars that would be suitable for a new driver. VW Lupo i'm thinking...!

mariagti

Lol! You sound just like me when it comes to cars! I wouldnt buy a fiesta ST though as im a Ford hater (although i love the new shape focus ST). Yes on the type r though. Best hot hatch made. Anyway dont get me started on cars i will go on 4eva!:D

Lupo sounds good as a 1st car though. Mine was a clapped out nova!!! 5 years ago though it cost me and £1000!

Do you have a facebook hayley? If you do PM me your page.

thepinklady

I could go on about cars 4eva too. My OH had a Type R, Nighthawk Black, was a beast, but sold it when bought his first place. Once i can drive i think we're going to get something together, another Type R would be nice.

Ford Focus ST looks good, for some reason i like the orange colour, never really been a fan of orange but it just looks wicked.

I don't really use my facebook page, but pop on every now and again so will PM you my details Maria

mariagti

Ah! Great minds...orange is the colour i want one in! But i cant live in a car so cant get one! I saw pics of the new focus RS in the paper now thats a beast! Cant wait for top gear to review it!

Me and Lilmiss r both on facebook, its cool to see what we all look like!

thepinklady

Well, i had my lessons today and my driving was AWFUL. I couldn't do a bay park, reverse around corner, kept forgetting to check my mirrors. I was so upset when i got in because my instructor said if i drive like that on the day i will be sent back within 10 minutes. I now have to pick myself back up and work out how to make everyhthing perfect in the 7hrs i have left before my test on Thursday.

I have joined a driving forum, and have taken some tips down, so going to put them into practice tomorrow, and see how it goes.

I was looking forward to working out my new SOA excluding driving lesson fees, but it now looks like i may have to work out how i'm going to find £150 a month to include them again. I've so far spent nearly 3K in one year on lessons, i just feel like giving up, but i know thats not the way, especially when i can do it, but i let my nerves get the better of me.

Going to look at 'The Plan' now and work out if i can still pay what i've put down, and use the £150 out of money i'd put aside for 'treats' every month. Bit depressing i have to use my treat money, but no other way. I need to pass SOON!!!

lilmissmup

If you do pass (which i really hope you do!) that £150 would probably go on petrol,insurance etc anyway?

Don't be like me and quit after spending thousands like you, i am now too scared to start again!

thepinklady

Thanks Lilmiss.

I pay £100 travel a month for train/bus, so i'm hoping that will cover the amount i will need for petrol and insurance. I work about 10 miles away, so hopefully won't be more than £50 a month on petrol.

I had 3hrs this morning driving, i can happily say i did A LOT better. I managed a reverse around corner, bay park, parallel park, made her make me do each one a few times to check it wasn't just luck the first time. I did it spot on each time. I took alot of tips from the driving forum yesterday, those guys over there are great. I have another 2hrs this afternoon, so i'm hoping im in the same place i was this morning and don't make any silly mistakes.

I asked her before my lesson ended if she thinks i'll post, and she wasn't very positive, so thats got me down a little. I guess I'll have to show her lol.

x

thepinklady

Just had a little re-think about my 'The Plan' post and what i should do IF i fail my driving test tomorrow. When i worked out the plan i worked it out excluding driving costs, but since yesterdays disaster i think i should work it out again including some driving costs.

If i put £470 a month towards my debt, come end of November i should only have £350 left to pay, which could be paid in December, making me debt free by December 08, as my thread is titled :j

SOA including driving fees

Hayley's SOA

Total income per month = £920.00

£100 - Rent
£80 - Travel
£84 - driving lessons - 4h's per month @ £21 per hour
£4.34 - Dogs Trust
£5.69 - Life Assurance
£250 - Littlewoods -
£50 - Barclaycard -
£170 - parents

= £744.03 leaves £175.97 pressie fund, treats, social life

Once the Littlewoods amount is paid in full at the end of August i will use the £250 spare each month to pay towards either Barclaycard or parents.

lilmissmup

I am sure you will pass, sending lots of positive vibes your way!

mariagti

Hey Hayley

How did your test go today?