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  • FIRST POST
    • wellylass89
    • By wellylass89 9th Aug 18, 4:41 PM
    • 371Posts
    • 458Thanks
    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 3
    • wellylass89
    • By wellylass89 12th Jan 19, 5:20 PM
    • 371 Posts
    • 458 Thanks
    wellylass89
    I'm stressed! I've had an assignment to write and exam on wednesday and I'm just starting another assignment which is due in a week on Monday.

    I've been at work the last 2 evenings, I'm wondering if I've taken on too much. The job is very very full on and it's exhausting. Already worrying about placement.

    I'm not sleeping properly my mind is in overdrive. I just can't handle it all but I can't not work. Half of me has thought of withdrawing from uni but I love what I'm doing and I want to be an OT


    Welly x
    • GlendaSugarbean
    • By GlendaSugarbean 13th Jan 19, 8:35 AM
    • 485 Posts
    • 3,683 Thanks
    GlendaSugarbean
    Hang on in there! This is only the start of your second term, yes? If you're struggling have a chat with your tutor. It may be that you're actually doing fine but are putting too much pressure on yourself.

    You have just over a week for your next assignment - what's the length? Can you break it down into 4 or 5 chunks?
    • wellylass89
    • By wellylass89 13th Jan 19, 10:32 AM
    • 371 Posts
    • 458 Thanks
    wellylass89
    Hang on in there! This is only the start of your second term, yes? If you're struggling have a chat with your tutor. It may be that you're actually doing fine but are putting too much pressure on yourself.

    You have just over a week for your next assignment - what's the length? Can you break it down into 4 or 5 chunks?
    Originally posted by GlendaSugarbean
    It's not necessarily the assignment I'm struggling with it's more the job.. I didn't appreciate how exhausting it would be and I'm being put under alot of stress already as we are so short staffed etc.. I don't want uni to suffer because of work.

    I perhaps overlooked how full on it would be.

    Feel like a failure.

    Welly x
    • doingitanyway
    • By doingitanyway 13th Jan 19, 12:01 PM
    • 4,157 Posts
    • 24,695 Thanks
    doingitanyway
    This isn't a very MSE comment I am about to make in the short term but it will be MSE in the long term. But here goes: if the job is too much don't do it. You might incur short term debt or discomfort but you won't actually starve. Prioritise the OT course as in the long term it will bring in more money and make you happier. Yes, explore other options such as talking to tutors and hardship grants etc, but don't waste time feeling sorry for yourself. You have done great so far.
    • Chandelier.
    • By Chandelier. 13th Jan 19, 1:06 PM
    • 912 Posts
    • 2,453 Thanks
    Chandelier.
    Afternoon Welly,

    I think all of the work you are doing is adding to your pressures of student life. I understand you need the money but also in the long term it does not seem sustainable whereas your new chosen career is. If it were me, I'd try and get onto the bank at your local hospital and work shifts around your other commitments. Plus if you do weekends there are the enhancements which help a little.

    All the best, I struggled as a student nurse three years ago but all the hard work and effort paid off!
    Chandelier.
    Current Debt Repaid:
    49/619.

    Check out my Diary
    • Choccygirl123
    • By Choccygirl123 13th Jan 19, 3:00 PM
    • 514 Posts
    • 1,555 Thanks
    Choccygirl123
    Hi welly good to see you posting again. Sorry to hear you've been snowed under and I agree with the other posters. Can you speak to your employer and explain deadlines/work load etc you're struggling with time. I'm sure they'd rather move you to bank rather you resign completely.

    Remember to be kind to yourself. You've had a huge lifestyle shift abd you're doing really well. Juggling assignments and work must be really tough going, but it isn't for long. Your future really bright, I know you'll get through this x
    Always counting down to pay day, but making baby steps getting life on track! Looking forward to cracking the debt once and for all.
    SPC 090 - 69.45 / 500
    • wellylass89
    • By wellylass89 13th Jan 19, 5:39 PM
    • 371 Posts
    • 458 Thanks
    wellylass89
    Thank you everyone for your replies I really appreciate them.
    My employer is aware of my situation and how I'm feeling but I guess rightly so my manager said that what I do at uni is of no relevance to them just whether I turn up for work or not.

    I just feel so on edge all the time, I'm not work shy and certainly do want to work but I can't bare the thought of doing a 15 hour shift after 5 days on placement and only 1 day off for 5 weeks, it's too exhausting.

    I emailed student services and they emailed me a form for the hardship fund but I can't apply as I have previous study and they expect you to have been able to have financial plans in place.

    Already looking at full time seasonal jobs for summer - living by the coast has it's benefits.

    On the plus I paid for a years car insurance in full today

    Welly x
    • wellylass89
    • By wellylass89 15th Jan 19, 8:52 AM
    • 371 Posts
    • 458 Thanks
    wellylass89
    So it gets better... have had to phone in sick as got an awful sickness bug am feeling vile..

    Surfaced out my room last night for a drink for my landlady to tell me she's giving me my notice soon and I'll have to move out in May.

    Mentioned it to the OH who has mentioned me moving in before only to get some half hearted reply.. so will need to speak to him properly at the weekend and see where I stand..

    It never rains it pours..

    Welly x
    • GlendaSugarbean
    • By GlendaSugarbean 16th Jan 19, 7:49 AM
    • 485 Posts
    • 3,683 Thanks
    GlendaSugarbean
    I'm sorry Welly . Can your uni help with accommodation suggestions?
    • wellylass89
    • By wellylass89 16th Jan 19, 9:20 AM
    • 371 Posts
    • 458 Thanks
    wellylass89
    I'm sorry Welly . Can your uni help with accommodation suggestions?
    Originally posted by GlendaSugarbean
    My landlady has a friend who I might be able to move in with so that might not be so bad, she's even said I can move back in for my 3rd year if what she's sorting gets sorted.

    I really need to speak to my OH, I thought we were at that point where it was just the natural thing to happen and he's asked me before but I turned him down as it was too soon.

    We've just spoke once in a message about it the night she told me I need to move so obviously face to face is needed. It would take the pressure off both of us as I'd be helping with the bills but obviously if he doesn't want me to then we need to talk about where we are going..

    Least after the weekend I'll know where I stand and what I'm going to do.. I guess the positive is if I don't move in with him I can try and find a cheaper room somewhere cheap to rent.

    Welly x
    Last edited by wellylass89; 16-01-2019 at 9:48 AM.
    • wellylass89
    • By wellylass89 17th Jan 19, 6:43 PM
    • 371 Posts
    • 458 Thanks
    wellylass89
    So I'm getting a phone call tomorrow from someone at the local council about a care job at an extra care living place.. it would be bank do can do when I want and they pay 1.94 an hour more than I'm on now..

    Still need to speak to the OH properly but he's still got man flu so I've been keeping away..

    Been at uni today, lots to do.. just writing some more of my assignment I'll be glad when this is done..

    Welly x
    • wellylass89
    • By wellylass89 19th Jan 19, 9:16 AM
    • 371 Posts
    • 458 Thanks
    wellylass89
    So this is my plan, if I move in with OH I'll apply for the bank care job at the council and hope I'd be considered for that. As more flexible and better money than the current one.

    If I don't move in with him I will try and find somewhere much cheaper. I'll have to get over not having an en suite but that might mean I can work less hours or least use the money saved for debt and have a job with less stress..

    All I know is I can't keep going on as I am.... feel like I might have a breakdown.

    Welly x
    • wellylass89
    • By wellylass89 24th Jan 19, 3:28 PM
    • 371 Posts
    • 458 Thanks
    wellylass89
    So I've applied for the bank job near to my boyfriends, waiting to hear back form them.

    I'm handing in my notice at work tomorrow, it's scary and I'm dreading it but I know I will be much happier.

    So my plan now is to focus on uni and placement until this year is finished then find a summer job and clear my credit card.

    It's not that I haven't enjoyed some aspects of the job but it's just been too full on for me.

    I'm going to have a clear out of stuff next week and see if I can sell some clothes and bits and bobs I can get rid of..

    Welly x
    • GlendaSugarbean
    • By GlendaSugarbean 25th Jan 19, 6:31 AM
    • 485 Posts
    • 3,683 Thanks
    GlendaSugarbean
    It sound sound like the right decision so you can concentrate on your studies
    • wellylass89
    • By wellylass89 25th Jan 19, 5:45 PM
    • 371 Posts
    • 458 Thanks
    wellylass89
    So my notice has been handed in. My boss isn't in until Monday I fully expect a phone call to plead with me not to go but I need to.

    A day of 2 halves, got paid today and got a nice 600 tax refund so that has gone in the emergency fund.

    Got some exam results back and I've failed, I can re sit but I'm just annoyed as I thought it went ok.

    Guess that's a reminder that I need to concentrate 110% on my degree

    Welly x
    • GlendaSugarbean
    • By GlendaSugarbean 26th Jan 19, 9:02 AM
    • 485 Posts
    • 3,683 Thanks
    GlendaSugarbean
    Yes, time to concentrate on your studying. That's your full-time job at the moment. Can you meet with your tutor before the resit to go over where you need to improve?

    Good luck
    • wellylass89
    • By wellylass89 29th Jan 19, 11:33 AM
    • 371 Posts
    • 458 Thanks
    wellylass89
    Yes, time to concentrate on your studying. That's your full-time job at the moment. Can you meet with your tutor before the resit to go over where you need to improve?

    Good luck
    Originally posted by GlendaSugarbean
    Thanks Glenda, I have an appointment with my tutor tomorrow to see where I went wrong.

    Just been an collected my Asda shop so should be set for the month.. doing some MB today then going to the gym tonight

    Welly
    • wellylass89
    • By wellylass89 12th Feb 19, 4:55 PM
    • 371 Posts
    • 458 Thanks
    wellylass89
    Well my name is Welly and I'm a food addict... been hammering the gym and getting my steps in only to come home and eat a pizza with half my days calories in!!

    Nothing much to report on the money front, got an interview on Friday for the bank care job, fingers crossed. Money would be helpful and being bank I can do when I want.

    Downsides, car is booked in for an MOT and service on the 28th that will cost almost 300 providing it passes it's MOT. This is also the week before placement, I hope I don't get left without a car!

    I had a meeting with my tutor with regards to my failed exam, she made me feel like an idiot. Even had the cheek to ask if I'd been attending lectures.. I've missed one day since September and I've not missed any of her lectures.

    Just realised how soon I'll have to move out as well. Won't be long think I'll be moving in with the OH still need to talk about it properly...

    Welly x
    • GlendaSugarbean
    • By GlendaSugarbean 13th Feb 19, 7:31 AM
    • 485 Posts
    • 3,683 Thanks
    GlendaSugarbean
    I'm sorry your tutor was unhelpful. Still, it's motivation to smash the exams next time around.

    Fingers crossed on the job and the car
    • wellylass89
    • By wellylass89 17th Mar 19, 10:08 AM
    • 371 Posts
    • 458 Thanks
    wellylass89
    Haven't updated this in weeks, just been so busy! Nothing much to report just on practice placement at the moment, this has been my second week 3 more to go! I'm really enjoying it!

    Car passed it's first MOT and had a service which I had budgeted for.. never heard back about the bank care job, I hate it when you don't get a yes or no.

    Had an interview at a supermarket near my OHs on Monday, have another interview at the same company just the store in the town I live on the 29th.

    I really hope I get one of them, I need to go flat out over summer and get some debt paid off.. I feel like everyone is getting married, buying houses and here's me just trying to survive.. I know it will be worth it and people only tend to portray the good etc but it's hard!

    Still not sure where I will live come May either.. I feel a bit lost really with it all, I love where I live currently and I know my landlady is devastated I have to move but the situation means I just can't stay.. perhaps a good old pro's and con's list is needed!

    Welly x
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