I got a very decent income going into September, partly due to a small back pay from the not so good NHS deal and partly due to one & a bit months pay from my new job.
I have £388.86 left over and plan to pay of more off my debts with it. I could pay off one of two different cards or pay down my highest interest card, I’m not sure which just yet.
I won’t have this amount of income again for a while , if ever, but my outgoing will drop also so there won’t be a big impact, I’ve just added some more cash for spending as I am able to this month and will drop it from next month.
Yesterday I had an interview for the local eye centre. I’m not looking for a new part-time job and don’t really need a 2nd job right now (other than increased debt payments) but I wanted a bank position where I could work as and when I liked and was local.
I applied for the job on the 31st May with a closing date of 6th June. This was clearly for a bank position. I’d given up on it and started to think had I actually applied or forgotten.
Anyways on the 9th August I received an invite to interview and quickly booked my slot for 21st August. All this time there was no mention of hours other than on the advert. I arrived yesterday, had a good interview and was shown around. It wasn’t till the end of the actual interview when I asked about shifts was I told it was a full time position! Hold on a min, the advert stated bank and I’d gone to the interview for a bank position!
I really like the sound of the job and if I wasn’t doing my nurse training or it was a part-time position I would have jumped at an offer. I hear today if I was successful and if so I have to turn it down.
The trust have since placed a new general bank advert but I can’t apply as I am on placement on the interview day. I think I am just going to wait til after placement in December and hope something comes up. I still have my part-time role, bank within the same trust (only same department for 3 months, then I can work in other areas), and bank with another trust, so I’m not short of money thankfully.
Below is my August debt payments as well as my savings. I’m not actually adding anything to my savings just yet as I’m trying (not being successful at) throwing everything at my debts.
I aim to have 100 units in a stock and then I’ll move onto the next. I have looked at my stock for a few months so am unsure what last months balance was, I can say that when I did look at it a few months a go it was only around the £300 mark.
I want to at some point buy shares but they are much costlier to purchase.
So why am I not paying some and waiting for defaults on others.
The ones where I am waiting for a default I am aiming to set up a repayment plan or offer full & final settlements in the future. The last four I am disputing that I even own anything or I’m ever aiming for a settlement or a statute barred date (6 years from last payment). They either are no longer on my file or about to fall off. I have sent SAR requests to these and I’m hoping that they are unenforceable. It has been proven that the SB/unenforceable route can work.
My credit file is so trashed already that anything else added won’t mean a thing.
I am still on my £1 DMP payments till July and the red indicates debt to my credit cards. I’ve budgeted £150 for fun money this month (restaurants/pub) as we are in Lewes this weekend for 3 days so we’ll just have to wait and see how that holds up.
Moneysavingexpert club current score 12/999 down 86 points Total Money current score 395/710 down 73 points Noddle current score 427/710 down 25 points Clearscore current score 175/700 down 100 points GiffGaff tech issues ExperianCard Matcher current score 38/999 down 49 points
So it looks like all my scores have gone down rather than up. This is due to me defaulting on some of my credit facilities – loan/catalogue etc It will start going up soon.