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Archive for March, 2006

Pay rise starts on Saturday

March 30th, 2006 at 08:32 am

I think that from Saturday onwards I'm just going to work out my wage from my old pay. I'm definetly opening a savings account once I've paid for the holiday.

No more news to report today...but is only about 5.30pm.

Cheap books

March 30th, 2006 at 12:55 am

For a while now I have been thinking that I will need to buy some books for going on holiday in September. It's a 9 hour flight so I really will need a lot to read (hopefully there will be some good movies). Anyway I was reading the paper this morning and it said that Waterstone's have books at 99p each. I don't know how long the offer is on for. I went there this morning and bought two. I'm not reading them until I'm on holiday. Two books for 1.98, it's a great deal.

Busy day

March 29th, 2006 at 10:58 am

I was at uni today from 9am till 4pm. I only had lectures in the morning. After my lectures I was working on my dissertation until I decided to come home. I am going into uni on Monday, even though I don't have to,so I can work on my project.

I get paid in a fortnight and I really need the money. I still haven't worked out what I'll get paid next month, I've been far too busy with my project. In fact, I should be working on it right now... The next time I add an entry I'll hopefully have done a lot more of my dissertation. Early start tomorrow to get as much work as possible done.

New idea

March 28th, 2006 at 06:34 am

I have a change jar which instead of putting actual change into I have been putting 50p and 1 coins into. I usually do this when I save some money e.g. today I put some money into it because I didn't use the bus fare that I had planned to use. I am considering whether I should keep on doing this and save it up for a while and put the money towards the bills, especially the washing machine. Or should I just save it and then put it into a savings account? I don't have a lot right now as I haven't been doing it for long.

No Spend Day..spent at the computer

March 28th, 2006 at 03:08 am

I really should think of new headings for my entries. Well it is a no spend day and I'm pleased about that.

I cancelled my driving lesson for Thursday. I need to go into university and work on my project. I have a lot of it to write. I've saved myself some money by doing that. I have a double lesson, which i was meant to have on Thursday, next Thursday instead.

I have a couple of thousand words to write today, maybe more if I can manage it. After I've graduated I'll need to make my no spend days less boring. No spending shouldn't have to equal boring, right?

Bus strike

March 27th, 2006 at 03:23 am

There's a bus strike tomorrow so I won't make it to uni. That means I will save some money. We got an email about it last week but I totally forgot about it.

Spending plans for week

March 26th, 2006 at 11:32 pm

4.00 day ticket for 3 days (12)
1.60 for three days (4.80)
34 driving lessons
2.30 day ticket for 3 days (6.90)
5.00 for mobile phone
1.00 bonus ball
2.00 for lunch at work
1.00 snacks at uni
9.30 council tax

Total = 76

No Spend Day

March 26th, 2006 at 11:43 am

Finally another one this month. I'm hoping to have another one soon.

Future goals

March 26th, 2006 at 04:48 am

1. Increase payments towards washing machine
2. Pay more than the minimum catalogue payment
3. Open another savings account
4. Pay extra towards PC

Currently I pay 17 a month towards the machine which isn't a lot, although the interest rate is 29.9%. I'm trying to work out how much would be an adequate payment to get it reduced (ideally cleared). I think it's time to look at old statements.

There is no interest charged on the catalogue...the bill is huge.

Hotel is officially booked

March 26th, 2006 at 04:40 am

I phoned the hotel to give them my card number today. I'm going to start putting money aside for graduation. The woman on the phone said that I have until 4pm on the day of arrival to cancel and there won't be a cancellation fee. I won't be cancelling but it's nice to know. My boyfriend is giving me his half before we go so I will put it into my account.

Next on the list is:

decide a hairstyle
pick a dress
book gown
book photos
save money for the evening
money for travelling back

It's quite a long list but I have until July.

Holiday from work

March 25th, 2006 at 02:32 pm

I'm on holiday from work from the weekend. It's worked out quite nicely because it's Mothers Day tomorrow.

Me and my boyfriend met up with another couple at the pub tonight. Before that we went to see The Pink Panther at the cinema, it was good. In total I spent 15 which is good considering we spent about 7 hours together in total. He paid for us into the cinema and I had vouchers for money off a meal at the local pub.

Tomorrow will be a No Spend Day. It will just be nice having time off work..well until Friday anyway. I'm at uni during the week.

Looking for a prom dress

March 23rd, 2006 at 04:07 am

I started looking at some websites today for prom dresses. I have decided that I'm going to try and spend a reasonable amount on the dress, maybe about 100 or less. I will try and put money aside before I buy it.

I'll also have to put money aside for the hotel room. If I start soon I should be fine. Plus money for the actual evening, drinks etc. It's a 4 star hotel I'm trying to think of how much drinks will be, it's been four years since my high school prom so I can't really remember.

Slight problem

March 22nd, 2006 at 11:58 am

I tried to work out what money I'll need for April and I think I have more outgoings than wages. My overdraft really doesn't help. A lot of overtime this month should make sure that I'm okay by the time I'm paid next month. Fingers crossed.

Savings account

March 22nd, 2006 at 09:26 am

The application for the savings account arrived today. I only filled out my details yesterday so it was really quick. I've decided that I'm not going to open the account yet, especially while I'm so skint. I'll open it within the next couple of months. I've decided that I'll save about 20 a month, I won't notice that.

Shopping

March 22nd, 2006 at 06:59 am

This could have been a No Spend Day but I had to go shopping for my mum's Mothers Day gift. I ended up buying her a flower basket and a card. I also bought something for desert on Sunday. The total was 9 something.

I bought a pair of shoes which were only 5. They're going into my suitcase for my holiday.

In total I've only spent 19 towards my holiday so far.

Holiday payments

March 21st, 2006 at 09:36 am

50 deposit
260 february
180 march

Total = 490

So I have 460 left to pay, and I have three paydays left to do it in.

Enquiry

March 21st, 2006 at 09:22 am

I checked the building society's website today and I filled in a form so that they can send me some information about the account. The money will be saved for 3 years and then I can decide whether to put it into an instant access account or take it out. I'm hoping to start this is June when the holiday's paid, maybe before then if I manage to pay it sooner - fingers crossed.

Trying to work out expenses for April, I'll write it in here as soon as I do.

Ordered two items from the catalogue, they were on sale, so that will go towards the bills next month.

long-term savings

March 21st, 2006 at 04:43 am

I was hoping to have a couple of No Spend Days this week but it looks as though it isn't going to happen. Today I have to buy some food at the shop for my mum after uni, hopefully it won't be too much. I'll also have to buy a Mother's Day gift and card too. I seen a pair of shoes for my holiday which I'm also planning on buying - they might not be there next month.

I have decided that once the holiday is paid for (June) I am going to open another savings account. The one I have just now is instant access so this one will be long-term and hopefully I'll have to give notice to take money out. I seen one advertised, I think the AER is 4.25% or something like that. Anyway the building society isn't in my town which means that even if i did want to touch the money, I won't be able to because it isn't nearby and it will be a pain to travel there. I am thinking about probably saving 15-20 per month, so that I won't really notice it from my wages. It won't be much but it will do until I get a better job.

Speaking of jobs, I was going to do overtime tomorrow but I'm not going to. I am already working ten hours extra this week and eight hours extra next week.

Registered now

March 20th, 2006 at 11:37 am

Today I registered to graduate. The woman at the reception said "congratulations" to me for finishing my course. I'm not finished yet, so I said "I'm nearly there" Hopefully the next couple of months will go in fast.

My mum wanted to hire a car e.g. a limo or rolls royce for the event. However in the booklet that I got it said that it is best to use public transport since there will be limited parking. I'm pleased because it means that money can be used for something else like pictures of the event.

I'll need to find out how much pictures will cost. It's going to be expensive but it will be worth it.

I have a busy week planned which is a bad thing since I am skint. However I'll just not spend as much as I usually would and I'm doing overtime so it will help in next month's wage.

Not as much as I thought

March 17th, 2006 at 04:38 pm

My wage wasn't as much as I thought it would be. But I forgot to deduct NI and tax off from the total, so the total before any deductions was right, it was just the one after.

Now I've got a problem because we got a letter from the tv licence company and it said that we have to renew our licence. I tried to do that last month, i gave them my card number so they could take the balance out of my account but for some reason it hasn't worked. I think my mum is going to help me pay it since she knows that I've got a lot of expenses this month.