[finance] Debt + savings August ’18 edition

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.

Debt

Screenshot 2018 08 21 at 07.40.00 2 - [finance] Debt + savings August '18 edition

Savings

Screenshot 2018 08 21 at 16.11.45 - [finance] Debt + savings August '18 edition

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.

Do you invest in stocks & shares?

[finance] Debt update August 2018

western debt and the handling 3603421 1920 - [finance] Debt update August 2018

So how are things going with my debt pay down. No that well to be honest.

I have 6 credit cards that I am currently paying the minimum on or at least trying to and plenty of others that I’m paying nothing to. Full details below.

Capital One (a) Balance = £81.21 | Limit = £200 | Payment = £25
Capital One (b) Balance = £146.82 | Limit = £200 | Payment = £25
Lloyds Balance = £451.23 | Limit = £500 | Payment = minimum

Aqua Balance = £216.74 | Limit = £200 | Payment =£0
Marbles Balance = £732.34 | Limit = £700 | Payment = £0
Barclaycard = £400 | Limit = £400 | Payment = £0

Natwest Loan Balance = £4889 | Waiting for default | Payment = £0
Natwest OD Balance = £799 | Limit = £1250 | Waiting for default | Payment = £0
Very Balance = £772 | Waiting for default | Payment = £0
JD Williams = £1742.18 | Waiting for default | Payment = £0

ARC (David Lloyd) Balance = £582 | Payment = £0
MMF (QQ) Balance = £481 | Payment = £0 | In dispute
Lending Stream Balance = £86 | Payment = £0 | In dispute
Trugym Balance = £86 | Payment = £0 | In dispute

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. 

Uni: Placement number 3

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So I start my 3rd placement the week starting 27th August for 7 weeks. This will be my 1st private placement. It turns out that they aren’t funny about my wanting to do long days and I won’t be doing any Sundays as they really don’t do anything that day, in fact not much at all all weekend. 

I currently only have the 1st two weeks of shifts, 1st week I’ll be there Tuesday + Wednesday + Saturday, the 2nd week Monday + Tuesday + Wednesday. I’ll actually be on holiday for nearly 3 weeks so I’ll only be there 4 weeks out of 7.

I also need to make up hours at work as I’m currently working 19 hours a week but getting paid for 23. This could prove difficult.

How do other people other there survive uni + placements + work?

Life: Starting a new job

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On July 15th I ending my time on the Emergency Floor to start a new job within theatres (eyes!!). I had been with the Emergency Floor for nearly 4 years and I needed a change, I needed something that would work with my uni. The eye hospital was just that (or so I hope).

I actually had the interview back in March 2018 and was waiting for my references for two whole months. During this time it had already been agreed that I would start the week of 16th July. I picked this date because (1) I needed to give 4 weeks notice and (2) it was just after I had completed my 2 short Monday-Friday uni placements.

Eventually at the start of June I got the all clear to start, my manager contacted HR to give then a start date and I received my training schedule and contracts (perm + bank). Then that was all I heard, I wasn’t hearing anything from my manager and was starting to think I was just going to have to go with my bank position and forget the perm job. I set up manual handling training and awaited a date for a supernumerary shift before I could go out on my own.  Around the same time I decided to give the perm job another chance and I fired off an email to the manager. I actually got a reply asking me to call as they had assumed that I was started the week of the 16th (so did I). At this point is already was that week, but as I’d never had any word from them that my shifts were definitely going to be only Thursday + Friday due to uni I assumed they were still working on it. 

So my shifts are Thursday – Friday 8am to 6pm with on call every Thursday night and every 1 in 4 weekends. I’m still not quiet sure how I will manage on call as I don’t live local and getting there within the hours could prove to be difficult but we will see what happens. 

Going back to the bank contract, as soon as it was fully confirmed I was starting my perm job I contacted the bank office. I no longer need to do the supernumerary shift but can only work in my own department for the first 3 months then I can work anywhere as long as my manager is happen. 

I’m starting to think my time with this trust could be short, I may have to give up my perm role if my uni placements get funny or I get another Mon-Fri placement next year. Also bank are not online like my last trust, you get an email at the start of the month with available shifts and then you have to ring them, this I don’t like. Bank pay is also monthly in arrears for the first time then you can ask to get paid weekly. Therefore anything I do this month won’t get paid till end of September!

I will take this role as far as I can as I am currently really liking it but maybe in the future I’ll have to change again. 

Life: Trying to balance everything

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Sometime it can be hard to balance everything going on in your life, I haven’t gotten it figured out just yet. How do you balance everything?

For me I have work + uni + fitness + lazyness

Work

I have a 23 hour a week contract but only work 19 hours, the missing hours need to be caught up on at some point, 5 weeks equals 10 hours so 2 days. This can be difficult as I don’t work weekends or bank holidays. 

With a 1 hr plus commute and being on call on Thursdays I have very little time those evenings. I can sometimes get off work early on Fridays and maybe I’ll meet my partner for drinks in Brighton. 

I basically write off work days as just that work.

Uni

I go to uni Monday + Tuesday all day and Wednesday half days. Sometimes I finish early on Mondays & Tuesdays too. I start back at uni February 2019 and I’m there for 4 weeks before I start placements.

Placements

This can be any day of the week, but only 3 days unless I need to make up hours. 

Fitness

This is the hardest one to fit in with the rest, that and I can be very lazy at times 😉 I fit in a gym session before uni and on days when I’m not at uni/placement/work etc 

So where does this leave me?

I haven’t figured this out yet. I need to write everything in a diary/calendar. I want to try and fit in 3 sessions a week unless I’m in a lazy mood. I can fit gym sessions in before uni but not before work and on my free days. Fitting in anything at other times can be tricky and fitting in Crossfit is another matter. Crossfit isn’t close enough to a train station or at convenient times for me to go before uni so I have resigned myself to go Wednesday evenings and weekends when at uni and weekends & any free day when at placement.

It;s going to be hard but I’m sure I can work things out and remember to listen to my body and take rest days.

Fitness: Weight update…

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The last time I updated my weight on here I was 175 lb or 80.1 kg. As you can see I am now 171.4 lbs. It’s taking it’s time but it is shifting slowly. I don’t want a fast loss because I don’t want loose skin or am I like food too much to really restrict my calories to below 1600 a day.