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  • FIRST POST
    • SpekySquarehead
    • By SpekySquarehead 15th Mar 16, 9:12 AM
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    SpekySquarehead
    It's not a lot, but it's enough
    • #1
    • 15th Mar 16, 9:12 AM
    It's not a lot, but it's enough 15th Mar 16 at 9:12 AM
    Good day to you all.

    Can I start by saying I feel a bit embarrassed about starting this diary. Not because of my debt, but because in comparison to other peoples situation I seem to be in a better position to clear it. However Iíve been considering starting a diary like this for a while as I feel itís really been getting me down, like thereís a huge black cloud following me everywhere I go. I feel I think about money Ė or more specifically my debt - all day, every day, and hopefully having a place to come and post of my attempts to reduce it will help keep my chin up and motivate me.

    A bit about me. Iím 25 and I live with my mum for now and I have a steady and comfortable paying job. I was in a relationship for 8 years and we had a joint savings account with a view to buy a place. When that relationship ended, I went off the rails. I blew my half of the savings while at the same time took out a credit card telling myself Iíll use it to increase my credit score by only using it to buy petrol and paying back at the end of every month. That didnít go to plan. I know have 2 credit cards (just recently paid off my third); Tesco Credit Card - £2,614.19 and Barclaycard - £693.88. Both of which are 0% interest for now.

    The thing is, I know that my debt is manageable. Iím not spiralling out of control with interest. I donít have a mortgage. I donít have any kids. My expenditure is relatively low. I can and I will do this!

    Although this is a Debt Free Diary, I have a view for this to become a Saving Diary once Iíve cleared these cards. I want to feel the way I felt 3 years ago with no debt and thus no worries. To be happy again.

    My plan to clear this debt was originally to still try and maintain an element of my lifestyle that got me into this mess while being sensible. At the end of each month, any remaining money in my account would be transferred to my credit cards, this is already on top of my direct debits to meet the minimum repayments. However I found that this technique gave me too long a leash and I wasnít being tight enough. This month I actually have a stag do in Amsterdam (paid for by said credit cards) and with no savings, I had to use money from this months wages for spending money, leaving me skint for the remainder of the month, but goes to show that I can stow away a large chunk at the start of the month and force me to make the sacrifices. So thatís the plan, so put away a sizeable amount at the start of each month, the day I get paid.

    Thank you for reading and appreciate the support.

    Peace and Love!
    Debt Free Date: 29/09/16
Page 41
    • Chandelier.
    • By Chandelier. 6th Mar 18, 9:43 AM
    • 727 Posts
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    Chandelier.
    Hey Speky!

    Just checking in. Glad all is going well with you. Sorry to hear about the not getting the job offer but once one door closes, another opens!

    We had little snow here but we weren't snowed in.. more of a sprinkle!
    Check out my Diary
    • SpekySquarehead
    • By SpekySquarehead 6th Mar 18, 5:46 PM
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    SpekySquarehead
    Hi Speky,

    I've been off and on lurking on your thread. Good luck with all that you do.

    With regards to job opportunities away from your family, I would say: go for it. You can always come back, and (usually) with the additional work experience you have a better opportunity in your hometown.

    Next time you have a job interview far away, could you ask if they can reimburse travelling costs? Some future employers do; maybe you can even check with the one you went to, still?
    Originally posted by Siebrie
    Hi Siebrie

    Thanks for stopping by and saying hello.

    It's worth considering as it was a full tank And something I'd much rather not pay out. My only concern would be that it may put off a potential employer? That being said, I'm new to all this so it may well be commonplace.

    Thanks for the advice and given that I may well leave in the future, it's something I'll for sure mention!

    Hey Speky!

    Just checking in. Glad all is going well with you. Sorry to hear about the not getting the job offer but once one door closes, another opens!

    We had little snow here but we weren't snowed in.. more of a sprinkle!
    Originally posted by Chandelier.
    Chandelier Good to see you and thanks for the message. You're lucky. It's really became a pain in the bum now, and I'm someone who loves the snow. Or used to at least.


    On the job front, I had a meeting with my boss today and there's been some movement on my potential job title change and subsequent increase in pay. It's been passed up the chain, and knowing this place, it'll take it's while to reach the decision maker. Anyway, it's progress .
    Debt Free Date: 29/09/16
    • joeyjimbles
    • By joeyjimbles 6th Mar 18, 6:28 PM
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    joeyjimbles
    Back to the expenses. Well, you're not going to work for that company so it doesn't massively matter if they say 'no' and to be fair you did have two interviews which cost you time and money, so I'd definitely say it's worth going back to your contact there - HR or an agency ideally as it's slightly one step removed - and asking if they will reimburse your expenses. Send a polite email. What's the worst that can happen - they politely say no and you're still up on experience but down on fuel costs.

    OH did a lot of job interviews about 18 months ago and most of them did reimburse, but mostly only if we asked. Incidentally, the organisation he now works for did three interviews - sent him train tickets for the first two and sent him the claim form in advance for the last one. Shows a classy organisation that values people.
    • SpekySquarehead
    • By SpekySquarehead 6th Mar 18, 6:30 PM
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    SpekySquarehead
    Ahh, very interesting. I wasn't aware it was something so commonly done, thanks Joey
    Debt Free Date: 29/09/16
    • Siebrie
    • By Siebrie 7th Mar 18, 2:34 PM
    • 1,188 Posts
    • 19,278 Thanks
    Siebrie
    Maybe I was not clear, but our company does reimbursements, too, no problem
    Wombling to wealth 2018 Ä 741.50 = £ 659.50
    Still a womble 2017 #25 Ä 7116,68= £ 6309.50
    Wombling Free 2016 #2 Ä 3.483,31= £ 2,969.05
    • SpekySquarehead
    • By SpekySquarehead 8th Mar 18, 8:47 AM
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    SpekySquarehead
    Thanks Siebrie, that's helpful to know and I'll look into it today. I was brought to the table through a recruitment agency, so I'll say to him.

    Football was cancelled yesterday, saving me £3.50. This will be spent on an impromptu work team building game of football on Friday (tomorrow). Furthermore, there are drinks afterwards which means I'll need to get the train, so costs which I hadn't budgeted for.

    Also, i need new football boots. The plastic undersole has cracked, and will only get worse if I continue playing on them and potentially injure myself. I'll need to buy a new pair. Another cost I hadn't fully budgeted for.

    Date night with my gran tonight which will be lovely. Not sure what she's making but I know it'll be lovely, it always is. I'll be home for 9ish and soon in bed I recon.

    For the first time, in what seems a long time, it was sunny this morning when I went to the gym. Winter finally feels to be behind us. I welcome the warmer climate now!
    Debt Free Date: 29/09/16
    • SpekySquarehead
    • By SpekySquarehead 12th Mar 18, 9:03 AM
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    SpekySquarehead
    Morning all,

    I had a nice weekend, which was relatively cheap. On Saturday, my only spend came from getting my weekly food shop. This included flowers, wine and a card for Mother's Day. Also, they had a special on my favourite beer, Bud at £9, so I bought that for emergencies. I'll thank myself later. So my bill came to £50 odd.

    I was working on Sunday which was followed by going out for dinner with my mum and gran. It was really my mums gift to my gran, so I didn't have to pay which I felt a bit guilty about. A really nice night though.

    I have a quiet week ahead. My only plans are on Saturday when I am working, but beforehand I've the dentist first thing. Since my last visit, I've been putting away £5 per month (or so) so I've got £40 in my budget, which should be plenty.

    As always, the quiet weeks tend to be the expensive ones, as some unexpected and impromptu events happen. With this in mind, I'll aim to keep myself busy, hunker down and avoid any unnecessary spend.

    Right, so, must get on with work. Toodle pip.
    Debt Free Date: 29/09/16
    • SpekySquarehead
    • By SpekySquarehead 19th Mar 18, 9:03 AM
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    SpekySquarehead
    Its Monday morning. Freezing, but clear blue skies. Even this morning at 6am!

    My Saturday consisted mostly of work. I got peckish on the way home so I spent £4 in Aldi on a few things. I then got my food shopping in for the week on Sunday which came to roughly £20. Need to get diesel tonight too.

    I made clotted cream fudge to be served at the family dinner on Sunday, which seemed to go down well. The rest of my Sunday was spent cleaning and just doing little bits and bobs.

    My next 7 days are empty. Zero plans (aside from work and football, of course). I'm trying to fill these up, particularly the weekend as that's when I'm susceptible to unexpected spends.

    Seriously not got much else to say. I'm content. Nothing majorly effecting my day to day life - which makes for a very boring diary, I know.
    Debt Free Date: 29/09/16
    • SpekySquarehead
    • By SpekySquarehead 27th Mar 18, 8:39 AM
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    SpekySquarehead
    I've been busy. Busy doing nothing. But it feels like I've been actually busy - does that make sense? I sort of find things to do, and even if I don't, I then feel I deserve some 'me' time to chill in front of the TV.

    Anyway, lately I've a renewed sense of purpose. Not from anything in particular. I'm reading The 4 Hour Work week and I've just listened to a podcast from Tim Ferriss discussing the book, so I feel there's going to surge of ideas and inspiration around the corner.

    Money is tight. I'm not over spending - I'm saving, actually - but nontheless, my bank balance a day before payday is at around £500. While I appreciate that for some, this is lots, and for me when I was in debt a few years ago, I'd have killed to be in that position, but it doesn't make me feel secure. Al I need is another flat tyre and the boiler to break and I'm up a certain creek without a paddle.

    I've been good this month with my spending, not been spending unnecessarily, I hope to emulate that in April. I've some birthday dinners next month which will make a small dent but nothing major.

    My pay and bonus is under discussion at work, but knowing what they're like it'll take weeks/months before there's any movement on it, and that's with me reminding and chasing them every week.

    So, this week should be a big one; I get paid and on Sunday it'll be the start of April. So I hope to have my ducks in a row by then.

    Hope everyone is well
    Debt Free Date: 29/09/16
    • SpekySquarehead
    • By SpekySquarehead 10th Apr 18, 9:03 AM
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    SpekySquarehead
    Arrrggh. I don't mean to neglect this. Yesterday for example I was in London, 5am flight down and a 9pm flight back, so I had no time.

    My god the prices down there are crazy!! I was £10 for a light lunch. Fortunately the travel is on expenses, but the food aint.

    So I'm knackered and I am now getting my head round budgeting the spend I had in London vs what I'm getting back in expenses bla bla bla.

    I promise to make more of an effort on here, but for now, I need to dash.

    BRB
    Debt Free Date: 29/09/16
    • joeyjimbles
    • By joeyjimbles 10th Apr 18, 2:53 PM
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    joeyjimbles
    With London, it's all about where you go - yes lots of places, even most, are pricey but there are cheaper options and wriggles but you need to plan ahead (isn't that always the case?). Let me know where you tend to go when you're there and I'll see if I can find you somewhere cheaper.
    • SpekySquarehead
    • By SpekySquarehead 11th Apr 18, 8:36 AM
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    SpekySquarehead
    Thank you Joey, a very kind offer.

    As I stands, I'm not entirely sure when I'll be down next. I never do to be fair, the meetings seem to crop up on a 'as and when' basis.

    My parents have very kindly decided to take me on their long weekend away, in a couple of weeks, to south Spain. My goodness it's needed. I'm not one to complain of the stress of life, in particular work, but I just feel jaded. Like an untidy desk that I just can get sorted. It's just slightly off-kilter.

    I'll get there.
    Debt Free Date: 29/09/16
    • SpekySquarehead
    • By SpekySquarehead 12th Apr 18, 8:39 AM
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    SpekySquarehead
    Tonight is date night with my gran. As always, I cannot wait. Guaranteed the table will be set and she'll have a 3 course meal lined up. We'll sit and natter away for a few hours afterwards too.

    I've no plans on Friday evening, I'll look to fill that void with perhaps seeing my friends. That being said I'm busy on Saturday and Sunday night, so I may take that night to myself.

    Still feel like I'm getting my ducks in a row for some reason. I'll make a list, that always helps, and fire through it when I can. God I love lists.
    Debt Free Date: 29/09/16
    • SpekySquarehead
    • By SpekySquarehead 17th Apr 18, 8:50 AM
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    SpekySquarehead
    Morning all,

    Work is really bugging me out, but it's nothing I can't get through. I've a weekend break away coming up with my parents (which they kindly paid for) so I'm really looking forward to that.

    I've been keeping myself busy in my personal life too. Making overdue doctors appointments, deep cleaning, organising paperwork etc. Tonight will be much the same I recon.

    I go on holiday with the boys in 8 weeks to Ibiza. I've been saving up for over a for my spending money, putting away a little at a time. To go hand-in-hand with my gym, I've bought meal replacement powder which should do 2 things; get me fitter and save me money. I'll use it to replace my dinner and my lunches will become a larger meal. That's the plan.

    Speaking of work, I've now started actively looking elsewhere. If for no other reason that let me benchmark where I should be at with my current employers. If a job offer is on the table, it'll also give me some leverage to ask for a better package here. Easier said than done, I know.

    Anyway, got to get on with things. Have a good day all
    Debt Free Date: 29/09/16
    • SpekySquarehead
    • By SpekySquarehead 18th Apr 18, 9:09 AM
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    SpekySquarehead
    I'm getting my final ducks in a row before my weekend away. Flight leaves at 5pm tomorrow and I've a lot to squeeze in, I'm sure I'll manage it.

    Last night was my first night having a shake for dinner and it was surprisingly fine. Very filling, so didn't have any cravings later. We'll see how long that lasts.

    Right so, speaking of lots of things to do, I've a long list in work too. Moustache.
    Debt Free Date: 29/09/16
    • SpekySquarehead
    • By SpekySquarehead 18th Apr 18, 9:12 AM
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    SpekySquarehead
    I'm getting my final ducks in a row before my weekend away. Flight leaves at 5pm tomorrow and I've a lot to squeeze in, I'm sure I'll manage it.

    Last night was my first night having a shake for dinner and it was surprisingly fine. Very filling, so didn't have any cravings later. We'll see how long that lasts.

    Right so, speaking of lots of things to do, I've a long list in work too. Moustache.
    Debt Free Date: 29/09/16
    • SpekySquarehead
    • By SpekySquarehead 25th Apr 18, 8:30 AM
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    SpekySquarehead
    Good morning all,

    I've returned from a lovely trip away. It was great to re-charge the batteries, enjoy some good company, fine wine and excellent food. My parents were very kind and covered most of the costs, despite my protests.

    Back to the grind now.

    Anddd...for the first time in over 2 years, I've got a date lined up this weekend! A girl I was only introduced to a few weeks ago and we've texting back and forth. We'll see how it goes.
    Debt Free Date: 29/09/16
    • louby40
    • By louby40 25th Apr 18, 8:21 PM
    • 1,363 Posts
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    louby40
    Ooo keep us posted on the date!
    • SpekySquarehead
    • By SpekySquarehead 27th Apr 18, 8:31 AM
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    SpekySquarehead
    Well the excitement, for now, was premature. She grew up about 100 miles from me and her family are coming to visit this weekend, along with her brother in the RAF - I suppose I'll let her away with it.

    We'll reschedule.

    Anyhoo. The weather has been improving in Glasgow and just beginning to look like summer. And with that comes a renewed determination for healthy eating/working out etc.

    My passport needs renewed.....£75!!! My god.
    Debt Free Date: 29/09/16
    • SpekySquarehead
    • By SpekySquarehead 30th Apr 18, 8:44 AM
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    SpekySquarehead
    Good morning everyone and happy Monday!!

    My weekend was a fairly low spend one which was consumed by friends, family and work - not really much 'me' time but I wasn't in desperate need of it.

    My week ahead isn't particularly exciting, my only plans are on Thursday (date night with my gran) and Saturday (work, then a few drinks after).

    Few bits on my to-do list this week which I'll power through and aim to be productive - including appearing here more often!
    Debt Free Date: 29/09/16
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