Job on the line. Debt must go!

A question about : Job on the line. Debt must go!

Having started my MSE earlier this year, I am starting a diary in order to benefit from being more controlled and paying off all this debt.

I was married at the end of last month, it was a beautiful gorgeous day but now that we are getting down to the reality of married life I would like us to start paying off more of our debt and become debt free.

I also want to further my career and my debt is seriously holding me back. Financial Services is not a good industry to become an expert in if you have debt!

So I will start with what I have done today. I've completed my application of 6336 question service, done an Ocado shop (great Ј20 off Ј60 shop so stocking up!) and tried to do as many surveys as possible.

Best answers:

• So start of another beautiful day. I've got to get my new passport in my married name so fingers crossed I can stretch the budget this month! Its all the little bits with a wedding I found that have mounted up. Things like all the thank you cards and stamps, (which we still have to write!!).
  Today I have my one 2 one and fingers crossed it all goes well. I would SO love a pay rise. even additional Ј500 a year is Ј41.66 (pre tax) a month! The trouble is I want loads more training and things and these cost money.....
  Anyhow happy Tuesday everyone.
• argghhh end of the day and no one 2 one. Never mind. Off home for no supper (work took us out - woohooo!) and thank you cards. I really did get some great wedding presents.
  this weekend I will be starting to really knuckle down to the weight loss again (lost over 6 stone!!) and exercise.
  I am trying not to drink too much either (I know most MSE will be shocked but me and hubby are bad at having a glass or two a night!!) simply to try and save money, oh and its healthy. #
  we have another wedding at the end of the month - luckily have my outfit but its a paid bar! so need to try and think of a cheap way around this issue. Any ideas anyone?
  I know no one has yet commented but hopefully the viewers aren't too bored!
• Congrats on your wedding!
  I'd say for the wedding, pop a little bottle of your favourite into your bag...Then just buy one or two rounds to be sociable and thereafter just mixers at the bar to add to your wee bottle.
  Good luck on your journey!
• I've been married 6yrs and decided that I was not paying you change my 18 month old passport so it's still in my maiden name now! Only time it has backfired in my face was when it was needed as ID for a job! Oops!
  Congratulations on your own wedding and I second the small bottle to add to mixers.
• thanks for the ideas guys, really love your support!
  Sadly, cannot delay passport application - mainly due to the honeymoon in September and that my current one expires in June... need to get onto it.
  Great ideas re the wedding - luckily I've got a beautiful larger sized bag so I think you are right about getting away with sneaking a bottle or something nice in!
  As an update on yesterday, I had my one 2 one and it went really well. they are happy with me and my work and payrise and bonus will be discussed in July after the company year end. This really brighten my day! Then DH decided to go out for a few drinks so I just had some porridge and honey for tea and did loads of surveys.
  Today I forgot my lunch gutted as it was really healthy too! Never mind, I will get something cheap and low cal and stick to my Ј5 budget for emergency lunch situations! (with change hopefully).
  Hope you are all having a fabulous day!
• Morning Everyone!
  Hope you are all enjoying a sunny day like it is in London Town. Its meant to get to 22c (I'm not moaning!) its hard to work in an office when its that warm. I've got a hugely important report to sort today so have come in early to tackle it. I naughty bought a snickers for breakfast. I know its bad to have spent 69p and having chocolate but it so helps as a treat!
  We have local fish monger who visits our house, and last night we had the sea bass fillets we got from him and at the weekend I hope to make fish pie with the rest of the fish. We budget for Ј10 a week and always get amazing stuff! I know we could do it cheaper but its healthy, supporting local business and a real treat.
  I keep adding and taking things off my ocado order. I'm still thinking that Ј60 is a huge shop for us and will we need it etc, but the Ј20 off and free delivery just makes it a really good deal!
  Anyhow, catch up with you all soon and hope everyone had a fab day!
• Lunch time. Seriously did something I have never done before. I checked my credit score. On Noddle. Its pants, but I was expecting that.
  Luckily EVERYTHING IS NOW SHOWING AS UP TO DATE!!!! OMGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGG
  I know previous defaults look bad but also I believe I only have one?! Not the 6 I was expecting.
  This makes me so happy and another milestone in my MSE journey.
• Just read your diary - really don't worry about your noddle score - as long as all your payments are up to date and you are on your way to getting debt free that's all that matters. Good Luck with paying off the catalogues
• Hi, just thought I'd drop by to cheer you on! Congratulations on the wedding, weight loss and debts not defaulted . Xx
• thanks guys!! you are such a support
  Today I got some of my wedding photos emailed over - what a great start to the day. I also remembered to add milk to the ocado shop... What kind of person forgets the real basics!! Currently sitting at Ј62.39 but have Ј20 off so thats a reasonable weekly shop.
  I found Ј1 coin on the way to work today!! Might treat myself to something later.
  Hope you are all good!
• Hi all!
  Bit of a spendy weekend - I had the shopping from ocado Ј63.23 but had Ј20 off so only Ј43.23. Had a few issues too so got a Ј10 off voucher for next shop so might be another one this week!
  Also had to get a couple of summer dresses as the weather is causing wardrobe meltdown!! But only Ј10 spent.
  Happy Monday everyone!
• So, had a very interesting day at work yesterday. Took a while to get my head around it.
  Basically I had an email from a recruitment agent for a job paying Ј4,000 more supporting me at my company!!! That was forwarded straight to my boss....
  Anyhow, did well not spending anything yesterday NPD up to 3 in May yay!!
  Have a fab day all xx
• Ooh, new job thing sounds interesting! Fingers crossed Xx
• So the job thing. Its not a new job (I dont want to leave me current company) but it was for a job working here as my junior. Paying Ј4,000 more than I am on!! Ridiculous. So after year end I will be speaking to my boss again about BONUS and PAYRISE!
  Also booked another exam, debt is falling but I am struggling to do my 5:2 in this heat! I just want a nice chilled drink after a long day and struggle with not. (I was given lots of gin for bday and christmas so still MSE)!
  Never mind.
  Hope you all have a great 'hump' day! x
• Morning all
  Found out this morning that I will be suffering financial monitoring from my employer as our regulator requests it because of my previous issues. I don't currently know what this involves but I guess its all the problems I have brought onto myself.
  Happy to be open about everything with them, but hate feeling like I am being punished for a couple of bad choices I made, My debt is nothing compared to some peoples & I don't have a mortgage.
  Shouldnt be so self pitying but I just feel really down about it.
  Plus my lovely bestest friend at work who is always a laugh and giggle is having a hard time. Poor blokes mum is very ill and he has booked the family holiday of a lifetime leaving tomorrow but hes pulled between this and his family. Awful situation.
  Never mind - onwards and upwards
  Sparky x
• Sorry to hear all that. At least you can prove to your employer that you are taking positive steps re finances now.
  Will friend be covered by insurance if they can't go on holiday? Xx
• hi all! Great bankholiday - got loads of studying done and had a few laughs with my family along the way.
  Lovely friends mum is in a bad way - but she told him to go on holiday. Its only a couple of weeks and luckily for him the worst that happens (he has the funds set aside just in case!) he gets a flight back. Luckily she lives close to the UK airport he can fly too so that made him feel much better.
  Work is hard at the moment, but I like to be busy! I have another wedding this weekend - first one as a married couple. luckily I am being a little MSE and wearing a pretty dress I already had, shoes I wear for work and 're-gifting' something we were given but just not our style. Its a lovely picture frame. I will also be a bit cheeky and am taking a hip flask of gin so at the paid bar just order tonic.... Thanks MSE!!
  Have a fab day all x