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  • FIRST POST
    • wellylass89
    • By wellylass89 9th Aug 18, 4:41 PM
    • 335Posts
    • 407Thanks
    wellylass89
    Being a mature student, a very skint one..
    • #1
    • 9th Aug 18, 4:41 PM
    Being a mature student, a very skint one.. 9th Aug 18 at 4:41 PM
    So I've decided to start a new diary, as of September I'll be a full time student again at the age of 29. I'm leaving my full time job, giving up my rented flat and moving across the country into a shared house.

    I seem to have been in debt forever, I won't sugar coat it I've made some pretty terrible mistakes in the past but we live and learn. Link to old diary https://forums.moneysavingexpert.com/showthread.php?t=5574468

    So I get a full student loan which is going to pay the majority of bills every month, I have a part time job sorted in a supermarket and will be getting a start date in September. I have applied for another job which would be better hours and more money but beggars can't be choosers so we will see what happens.

    Now here is the hard bit, a list of debts;

    - Car HP 6,881.09 (141.00 PM)
    - First direct loan 5,833.24 (70.00 PM)
    - Tesco CC 2,827.17 (50.00 0% for 32 months)
    - First Direct CC 399.92 (30.00 0% till June 2019)

    Total - 15,941.42

    I'm going to pay off the FD card first, of course at the moment I'm paying what I can and any extra money I have I'm saving to help with moving but I'm hoping I can pay that off completely in the next few months. I finish work at my full time job at the end of August, I will get my last full wage at the end of the month and hopefully that will include some back pay we are owed.

    It's going to be a long slog but I will get there.

    I'm going to keep rambling here as I find it helps

    Welly x
Page 1
    • wellylass89
    • By wellylass89 10th Aug 18, 9:33 AM
    • 335 Posts
    • 407 Thanks
    wellylass89
    • #2
    • 10th Aug 18, 9:33 AM
    • #2
    • 10th Aug 18, 9:33 AM
    Not back at work until tomorrow so I'm writing lists and sorting more stuff, funny how you have no idea how much stuff you have until you have to down size!!

    I forgot to add I have a small emergency fund in place of 500 which will only be used for emergencies sounds silly saying that but we have all been there! I also need to make another 100 or so to buy some oil to fill up the tank before I leave.

    Using an app to sell some clothes, making a few pounds here and there not loads but it all adds up right?

    Welly x
    • GlendaSugarbean
    • By GlendaSugarbean 10th Aug 18, 10:23 AM
    • 94 Posts
    • 606 Thanks
    GlendaSugarbean
    • #3
    • 10th Aug 18, 10:23 AM
    • #3
    • 10th Aug 18, 10:23 AM
    Happy new diary . Sorting out a career move and your debts before you turn 30 - gold star!
    • wellylass89
    • By wellylass89 14th Aug 18, 7:04 PM
    • 335 Posts
    • 407 Thanks
    wellylass89
    • #4
    • 14th Aug 18, 7:04 PM
    • #4
    • 14th Aug 18, 7:04 PM
    Well I have had a few days off, they haven't exactly been productive as I've been feeling rubbish. Had a lazy day listening to Dave Ramsey's Total Money Makeover, he really speaks some sense.

    Sold a few little things so made about 20 not much but better than nowt.

    Back to work tomorrow for 3 days and we are really short so it's going to be mental. Only 8 more shifts to go.

    Hoping I have enough money saved up by the end of September which will be the equivalent of my current wage so I will have until the end of October to be sorted with my job etc.

    Hope everyone is having a good week.

    Welly x
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