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  • FIRST POST
    • xironsongx
    • By xironsongx 7th Mar 18, 12:34 PM
    • 141Posts
    • 375Thanks
    xironsongx
    Under a lot of stress with money
    • #1
    • 7th Mar 18, 12:34 PM
    Under a lot of stress with money 7th Mar 18 at 12:34 PM
    I don't get paid much in my job, I take home around 1,000-1100 each month depending on how much over time I do (and usually none is available though I do say yes when i can) , I work 40 hours a week, have 1 half day each week, sometimes 2 if ratios allow it & have 30 min lunch to cover the half day (this is standard for all of us as employees).

    I've recently been ill in February and have lost 200 from illness, plus I'm off sick for this whole week so I will loose another 300-500 (I haven't had chance to access my pay slip as I'm not in work & we get the old fashion paper ones).

    I have a lot of things going on and to save for such as my wedding and also Christmas & emergency fund.

    I have just opened an online store for offbeat casual bridal party wear
    and will open a new one to sell every day stuff with my photography works but as I started today, I don't have any revenue from it.

    Don't have much to sell, only a few band tshirts, DVDs and brick-a-brac stuff ?
    Engaged 01-09-17 Wedding 519.78 (BA) 80.22 (Sp) / 5,600 5,000 left to save
Page 1
    • sourcrates
    • By sourcrates 7th Mar 18, 12:58 PM
    • 14,049 Posts
    • 13,308 Thanks
    sourcrates
    • #2
    • 7th Mar 18, 12:58 PM
    • #2
    • 7th Mar 18, 12:58 PM
    Hi

    Do you have a specific question you want answers too ?
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. "I volunteer to help get your forum questions answered and keep the forum running smoothly".
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Free Legal advice see : http://legalbeagles.info/
    • Jox
    • By Jox 7th Mar 18, 1:11 PM
    • 1,302 Posts
    • 2,771 Thanks
    Jox
    • #3
    • 7th Mar 18, 1:11 PM
    • #3
    • 7th Mar 18, 1:11 PM
    I had a look at some of your other posts and you mentioned you are a nursery worker - could you look for another job that is better paid maybe either in the same field or another?
    Can you look at your bills and see where to reduce them?
    • John-K
    • By John-K 7th Mar 18, 7:32 PM
    • 654 Posts
    • 1,011 Thanks
    John-K
    • #4
    • 7th Mar 18, 7:32 PM
    • #4
    • 7th Mar 18, 7:32 PM
    You do not need to save for your wedding for long. 200 can cover it just fine, registry office, a couple of rounds of drinks for the witnesses, and a takeaway curry and film at night.

    Your wage doesn!!!8217;t look right, it!!!8217;s lower than an adult minimum wage, are you too young for that to apply to you?

    Best idea based on the scant information given is to find a better job.
    • Ilona
    • By Ilona 8th Mar 18, 10:20 AM
    • 2,069 Posts
    • 7,095 Thanks
    Ilona
    • #5
    • 8th Mar 18, 10:20 AM
    • #5
    • 8th Mar 18, 10:20 AM
    OP, you have made 102 comments in 12 days, most of them are about different challenges you have joined. OK, so you have not been feeling well, but now you need to grab the bull by the horns, and get a job which pays more money.

    At the moment you are tinkering with small amounts of money, opening an online store when you haven't got much to sell, trying to patch up the holes in your finances with a plaster. Money doesn't magic itself into your purse, you need a better job. Good luck.

    Ilona
    I love skip diving
    • starting_again_in_the_sun
    • By starting_again_in_the_sun 8th Mar 18, 11:04 AM
    • 117 Posts
    • 628 Thanks
    starting_again_in_the_sun
    • #6
    • 8th Mar 18, 11:04 AM
    • #6
    • 8th Mar 18, 11:04 AM
    OP, are you not eligible for any sick pay?

    Also agree that you could save a lot on your wedding if you wanted to.
    • xironsongx
    • By xironsongx 3rd Apr 18, 10:35 PM
    • 141 Posts
    • 375 Thanks
    xironsongx
    • #7
    • 3rd Apr 18, 10:35 PM
    • #7
    • 3rd Apr 18, 10:35 PM
    No I don't get sick pay unless it's 4 or more days.

    I earn 15,204.80 a year but loose a lot of money for sickness so I got paid 884.90 instead of something like 1,295 / 1,161

    My bills come to 674.94

    But my salary for the year has changed to
    15,932.80
    Engaged 01-09-17 Wedding 519.78 (BA) 80.22 (Sp) / 5,600 5,000 left to save
    • zippygeorgeandben
    • By zippygeorgeandben 3rd Apr 18, 11:13 PM
    • 817 Posts
    • 1,049 Thanks
    zippygeorgeandben
    • #8
    • 3rd Apr 18, 11:13 PM
    • #8
    • 3rd Apr 18, 11:13 PM
    5,600 for a wedding? Are you serious? What kind of message does this send out to people who cannot deal with debt?
    John is right - you can do it for a few hundred quid.
    I think you need to take a look in the mirror. I hope you don't have any dependents as you're priorities are wrong.
    It would be totally unfair on any minors that they miss out because of your own recklessness.
    End Sep 2016 End Apr 2018
    8236.57 0
    (Tesco 4.8%) 0pcm
    6185.75 0(Zopa 4.0%) 0pcm

    5344.50
    1630.04 (Sainsburys 0% until 06/19) 140pcm
    2000.00 [B]266.71/B] (Sister 0%) 133.33pcm

    Total debt
    19.766.82 1896.75 Original DFD May 2019.
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