Please someone kick me up the bum!

joeyjac

Hi all,

I haven't posted on here for ages, I have had a really tough 5 months while my business was struggling so have spent all my savings and haven't made any more payments to my debt.

Business wise things are better for now but I need to get back in control of my finances so I don't end up getting into more debt.

I've got a job interview on wed, I think business will probably drop again soon and can't carry on with its up and downs so I've decided to try and get a regular income.

Just wanted to post to get some motivation really, I would really like to have my Mum paid back in 12 months so need to get after it but all my money seems to go on day to day living at the min.

Jo x

Runnybabbit

Hi Joey, Just a kick up the bum just for you!!!.

Just to say loads of luck with the interview on Wednesday, what's the job for?

beanielou

Pop up your SOA & we wll see if we can help.

joeyjac

Thanks for that runnybabbit ( love the user name btw)

The job is for a driving examiner, I'm a self employed instructor now so kind of a natural progression. I've already passed a theory test and a advanced driving test so this is the final stage. I'm dead nervous cos it means so much to me to get this job.

Runnybabbit

Oh Pet, well done you - I'll be thinking of you on Wednesday (just smile sweatly and flash the eye lashes) well I do, unfortunately my boss is a woman so can't use that one much - lol

Runnybabbit

Whoops - just a small typo error - sweetly I mean't!!!!!!!

joeyjac

Right here goes, everything is halved as me and dh share all bills and have separate accounts

Total income £900 (can be more or less though)

EXPENDITURE


MORTGAGE £250
HOUSE INS £10
COUNCIL TAX £53
WATER £12
GAS £20
ELEC £25
PHONE LINE RENTAL £5.50
MOBILE £15
LIFE INS £7
SKY £13.50
TV LICENCE £5.50
FOOD SHOPPING £80
EATING/DRINKING OUT £60
PET COSTS £15
HOBBYS £5
HAIRCUTS £9
LOTTERY £9 (never win but have set no's!)
CHRISTMAS SAVINGS £30
HOLIDAY SAVINGS £150 ( High because i don't get holiday pay)

TOTAL £774.50

DEBT

£21 SOFA ( just started and is 0%, had to buy sofa as old one wouldn't actually fit in new house! lol)
£100 Mum and Dad (this is the min I would like to pay to start but need to up it to hit my 12 month target)

total debt £121

Income £900
Expenditure £895.50
Surplus £4.50 ( that explains why I'm always skint!)


I've just done this quickly from last year so please tell me if I've missed something.

beanielou

No car/petrol costs?

joeyjac

No car or petrol. I have my car for work and the costs come out of my business but due to mileage limits on the lease it is used only for business.

I'm very lucky cos my DH lets me use his car should i ever need it which tbh doesn't happen much, i don't live far from shops etc.

joeyjac

My house insurance renewal came yesterday, £386 this year which is almost doubled! Been on the net all morning and managed to get a quote for £175 and £25 cashback through quidco so thats a relief. Gonna check I'm on the best deal for gas and electric next.

kazwookie

sofa £21 is that per month and if so how many months to go, same with your mum.

As requested a kick up the bum