Fall too Pieces

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Comments

  • Scott_Weiland_2
    Scott_Weiland_2 Posts: 799 Forumite
    I just wish at the minute I could afford to pay stepchange more at the moment they are getting 110pm but with my outgoings I can't afford more. I am pulling out 220 on driving lessons a month, and I am trying to buy bits for my flat. The previous tennants taste in furniture sucks, they left a double bed which I think in part is crippling my back.
    Cashback Earnings YTD £46.04 Survey Earnings YTD £182.66
    "Always always train, be the best version of you that you can physically be"
  • JoJoC
    JoJoC Posts: 1,836 Forumite
    I suppose that's the good thing about Stepchange though - they're giving you the opportunity to pay what you can afford and when you have more, you can increase that. Short of finding a way to bring more money in, it sounds like you're doing your best right now with what you have.

    Also, i remember you saying you pay hundreds of pounds on rail fares to see your child - once you've learned to drive, you might have some of that £220 per month on driving lessons to move onto a car, fuel, tax, insurance etc, but that money spent on rail fares will become available to re-allocate.

    No matter what, it always seems like a waiting game but at least you're making progress.
    CC1: £4481.14/ £5031.14 (12% paid off, £600) | CC2:£3307/ £3807 (14.4% paid off, £550) | Loan: £10,528.20/ £15,792.30((33% paid off, £5,264))

    July debt total: £24,630.44 | New debt total: £18,316.34 | Total debt paid: £6,414.10 (26%)
    *My debt busting and savings diary*
  • Scott_Weiland_2
    Scott_Weiland_2 Posts: 799 Forumite
    This is all true Jojo I spend at the minute 110 pound on transport to work and generally getting about.

    re my son on school hols train fares vary its anywhere from 200-250 quid every other month. Once i am driving i would probably save easy 50-75 as i would drive down book into a cheap laterooms hotels then drive back the next day. I am learning in a diesel so the plan is a 1.4 or 1.6 diesel.

    I know diesel/insurance/tax will be more month on month than what i pay on travel expenses on buses but i really dont care its going to give me 90-120mins back of each of my working days.
    Cashback Earnings YTD £46.04 Survey Earnings YTD £182.66
    "Always always train, be the best version of you that you can physically be"
  • Scott_Weiland_2
    Scott_Weiland_2 Posts: 799 Forumite
    Kerching kerching P.A. rules i have dropped another payment today £6.70 on route and £7.05 on route from the other day.

    I will start waiting for £20 quid to avoid fees in the future but at the minute my account balance is quite low.
    Cashback Earnings YTD £46.04 Survey Earnings YTD £182.66
    "Always always train, be the best version of you that you can physically be"
  • JoJoC
    JoJoC Posts: 1,836 Forumite
    Great news Scott! Once the summer holidays are over, things should pick up again and you could probably clear £20 in a week! I've been using Circle and it's working really well. I'm at £17.21 with 60p to clear so i'm going to wait until £20 to cash out. I like round numbers :)

    Total income from PA in about 2 months is £112.84.
    CC1: £4481.14/ £5031.14 (12% paid off, £600) | CC2:£3307/ £3807 (14.4% paid off, £550) | Loan: £10,528.20/ £15,792.30((33% paid off, £5,264))

    July debt total: £24,630.44 | New debt total: £18,316.34 | Total debt paid: £6,414.10 (26%)
    *My debt busting and savings diary*
  • Scott_Weiland_2
    Scott_Weiland_2 Posts: 799 Forumite
    JoJoC wrote: »
    Great news Scott! Once the summer holidays are over, things should pick up again and you could probably clear £20 in a week! I've been using Circle and it's working really well. I'm at £17.21 with 60p to clear so i'm going to wait until £20 to cash out. I like round numbers :)

    Total income from PA in about 2 months is £112.84.

    £112.84 in 2 months me likey :-)

    Yeah once i am paid i will stop dropping the smaller amounts, they are just getting my current account back upto the over 200quid mark. At the minute things are tighter than i would like, my boy is up at the week so surveys are going to go on a back burner.

    What to do to keep a 14 year old occupied.
    Cashback Earnings YTD £46.04 Survey Earnings YTD £182.66
    "Always always train, be the best version of you that you can physically be"
  • JoJoC
    JoJoC Posts: 1,836 Forumite
    I don't know much about 14 year old boys...mine are 2 and 4 so still a way to go. I'm sure you'll find some fun, reasonably priced things to do.
    CC1: £4481.14/ £5031.14 (12% paid off, £600) | CC2:£3307/ £3807 (14.4% paid off, £550) | Loan: £10,528.20/ £15,792.30((33% paid off, £5,264))

    July debt total: £24,630.44 | New debt total: £18,316.34 | Total debt paid: £6,414.10 (26%)
    *My debt busting and savings diary*
  • Scott_Weiland_2
    Scott_Weiland_2 Posts: 799 Forumite
    I think its going be a lot of stuff that's either mountain bike related or xbox related. My son is easily entertained, i don't do stuff like the cinema or museums done them all and they are a rip off.

    My son has morphed into a lanky teenager I don't like it last time I saw him he was 5-8 tall and i am 5-10 if he is taller than me I am leaving him there lol.
    Cashback Earnings YTD £46.04 Survey Earnings YTD £182.66
    "Always always train, be the best version of you that you can physically be"
  • JoJoC
    JoJoC Posts: 1,836 Forumite
    Jeezo - that height at 14? Don't fancy being the one to have to buy his shoes!

    Haha I'm 5'10" so quite tall for a woman and I can see my two boys towering over me at this rate! They're already tall for their age, both of them.

    Glad he doesn't take much amusing - I suppose if you don't see him daily then it's nice to just spend time together and hang out. If you get good weather then that opens up a lot more stuff to do. In Scotland, a lot of our museums are free entry so the only things you can get suckered in by is gift shop and cafe, hence why i need blinkers a lot of the time :)
    CC1: £4481.14/ £5031.14 (12% paid off, £600) | CC2:£3307/ £3807 (14.4% paid off, £550) | Loan: £10,528.20/ £15,792.30((33% paid off, £5,264))

    July debt total: £24,630.44 | New debt total: £18,316.34 | Total debt paid: £6,414.10 (26%)
    *My debt busting and savings diary*
  • Scott_Weiland_2
    Scott_Weiland_2 Posts: 799 Forumite
    Yeah he takes after all the guys in my family bar me lol ie tall and skinny my dad/brother and grandad are all 6-3/6-4

    I think shoe wise he is in a 7 :-(

    It will be easier when i can drive theirs loads to do in Northumberland but my area theirs no a lot bar museums that either cost a bomb or that mean sitting on buses for ages.

    Which part of bonny Scotland are you in JoJoC?
    Cashback Earnings YTD £46.04 Survey Earnings YTD £182.66
    "Always always train, be the best version of you that you can physically be"
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