"Thevinternet's still in debt" diary

Dinah93

Really sorry Thev, I completely get how you're feeling. I try to remember that feeling when I get tempted to spend, as I'd rather have the long term benefits than a few little treats now. It's not much help when you're facing up to 5 digits of debts though. How is yours so high, your sig is nowhere near that amount?

thevinternet

Dinah93 wrote: »

Really sorry Thev, I completely get how you're feeling. I try to remember that feeling when I get tempted to spend, as I'd rather have the long term benefits than a few little treats now. It's not much help when you're facing up to 5 digits of debts though. How is yours so high, your sig is nowhere near that amount?

Oh yeah, I don't stick it all in my sig as that would just be too depressing! The other cash I owe is student loan and a bit to family too. I have done a lot of studying so the loan is high, although at least the interest rates on them are very very low.

Dinah93

I think I was lucky when I did it I could only get money for fees, and not for my post grad study, so I only borrowed 9k. If I graduated now I wouldn't count my student loan as debt I'd just consider it a tax I'd pay until I was 50ish.

thevinternet

Dinah93 wrote: »

I think I was lucky when I did it I could only get money for fees, and not for my post grad study, so I only borrowed 9k. If I graduated now I wouldn't count my student loan as debt I'd just consider it a tax I'd pay until I was 50ish.

Exactly, that's why I don't put it in my sig....as I may not end up having to pay it all anyway. Even if I do, I think Martin says the low interest rates mean it's better in the long run to put any extra cash in a savings account rather than making overpayments.

Dinah93

Aye, and if you're planning to have a morgage as a rule they'll be at a lower rate than the student loan. I only want to clear mine as I would like to be self employed some day, and for self employed people there is a flat rate of around £150 a month, which would be a bit of a pain to find as a start up.

thevinternet

Righty-ho, it's been a few days so time for a catch-up. And no, I am not calling you a 'ho', my dear reader.

So, there's a bit of good news, I *might* have a bit more work coming my way in the next few months. It's only agency catering work at a local hospital, but it might fit quite well around my waitressing work. I am still looking for a full-time role of course, but there seems to be a lot of part-time work around at the moment. So this would be fab in the meantime, to fill a little gap. And no, I don't mean your little gap, reader.

December should be fine anyway thanks to the many-splendoured xmas parties booked in at the restaurant, but Nov is looking really really tight for cash. I have a shift this weekend but I am trying to scrabble around for some pennies to fill the car with petrol. Also I have to find:
- another £80 for CC1's minimum payment (by the 20th)
- car insurance direct debit (about 57 quid)
- and phone bill (15 quid).

The silliest thing that is getting me down at the moment is that I really really need a haircut. Wish I had a spare £30, it is at that 'inbetweeny' phase right now and looks like crap. There is nothing I can do with it. On the plus side, the garden centre sent me a voucher for 25p today. Now if they could only do that another 160,000 times, all my prayers would be answered!! So let's hope for some kind of mass printing/posting voucher-related error

greenanne

hi there,
i have been reading through some of your posts and can relate to some of the stuff that you've got going on.
i to am at the mercy of others for the amount of work i do and the amount of money i earn so i know this can be hard.one of my biggest aims is to not fall into the'overdraft charges' hole.i've managed to stay clear so far since joining this site,but it's getting harder every month.
also,i need a good hair cut.mine would only cost £17,but it's money i don't have spare and on this occasion my £6.33 of asda vouchers is no help at all.:)
how did your candle making go.

thevinternet

greenanne wrote: »

hi there,
i have been reading through some of your posts and can relate to some of the stuff that you've got going on.
i to am at the mercy of others for the amount of work i do and the amount of money i earn so i know this can be hard.one of my biggest aims is to not fall into the'overdraft charges' hole.i've managed to stay clear so far since joining this site,but it's getting harder every month.
also,i need a good hair cut.mine would only cost £17,but it's money i don't have spare and on this occasion my £6.33 of asda vouchers is no help at all.:)
how did your candle making go.

Hello there! Yes, the 'OD charges hole' is one to definitely avoid, once you get in it's very hard to get out of it! It is like a vicious circle. I have been there sooo many times but not for a few months now, which I'm quite pleased with.

I am going to try curling my hair tonight to see if that makes it look any better, at the moment it looks like rats tails :O( and makes me feel oh so unattractive! I am doing a lot of hat wearing.

Candle-making is ok - they are a bit small! I need to buy some bigger moulds but they are quite expensive at Hobbycraft....perhaps after I get paid I'll look for some on Ebay. Unfortunately a few of my friends dislike candles (crazy people, I've no idea what's to dislike!) so I am limited regarding who I can give them as gifts to.

I am having a few good days regards sleep patterns, apart from my mid-pm snooze yesterday (which I am going to blame on my flu jab) I am pretty much on normal hours. Feels good. Still rubbish on the exercise front though - I can be a right lazy cow at times!

Dinah93

I had the flu jab yesterday, I had to leave work at 2pm today and came home for a 3 hour nap - I thought I was just being a wuss!

thevinternet

Dinah93 wrote: »

I had the flu jab yesterday, I had to leave work at 2pm today and came home for a 3 hour nap - I thought I was just being a wuss!

I ended up having a three hour nap too! And today the injection site is a bit red - but I'm certainly not moaning, it's a small price to pay for having no flu! So we must both be wusses!