First ever budget review…

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So I have finally gotten around to doing a budget review. As you can see I went way over budget in July but thankfully I had more money coming in so was able to manage everything. I actually had £10.70 left in my account so something has gone wrong with my calculations.

Finances

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So I had to change things lately.

Natwest loan keeps ticking away and is currently £4973
Credit Union loan I forget about as it comes out of my wage balance is £1550

Right I took out another loan to pay off my credit cards but I am now regretting this and am currently transferring money from the credit cards to pay it off.  The loan is at 49.9% APR and the credit card aren’t.

I am also reducing my hours to 2 days a week (hopefully). This means that this job will cover my household bills and a little spends and I need to do 1-2 extra shifts a week to cover the debts. This should be do able and I’ll be happier.

I will be paying the minimums on the credit cards then throwing what I can at them each month.

Update on studies

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Results were released last Tuesday, there were not good. I knew I had failed K311 as I didn’t get the required 40% for the OCAS. The result for SDK228 was/is pending, I got through today however the result of the investigation for plagarism! Basically everything they flagged up has been ignored so very little is to be marked, I won’t have passed due to this!

What does this all mean?

I can do a resit in September with the result at the end of the month but that would be too late for Portsmouth. I am trying to get The Open Uni to convert my credits to the DipHE in the hope that Portsmouth will still accept me. The Open Uni are very slow to respond so I may have to phone them up tomorrow.

I feel like should a failure yet again!

I am thinking of applying to The Open Uni for nursing for September 2018. It would mean 4 years but might be better financially. I am however thinking of giving up completely. I can get funding for a 2nd degree and have been thinking of going down the route of Computing & IT or Sport & Fitness. The former would be better job wise that the latter, the latter would be more for enjoyment but maybe I could get a part-time job at the gym or something.

July 2017 budget – 23rd June to 24th July

I have gone back to doing a budget payday to payday rather than from the 1st of the month. It is just easier for me to work everything out this way.

The bank shift money I would actually get till 14th July and I have a refund of £163 coming which isn’t included in the above. I will use the SL refund in place of the bank money then hopefully save the SL money equivalent.

It will be extremely tight this money as Keith has gone from bank to contract and only received 60% of this months wage, the rest will come next month so August will be lovely. Due to this I am paying for most things this month including train tickets for Derby at £118! This has gone on the credit card at present.

Holiday experiment update…

I have now been back 13 days and have only now gotten the time to write this post

Days 1-6

So I was either way over or way under on these days. Day 1 I was traveling west so gain extra hours. All but one of these days my calorie goal was over 2000. We did lots of walking but also lots of drinking 😉

Calorie goal 14929 | Calories consumed -46 (14975)  | TDEE -1364 (16334)

Days 7-12

These 6 days I was under my calorie goal for most of the time!

Calorie goal 18326 | Calories consumed -4048 (14276)  | TDEE -5471 (19747)

Days 13-15

The last three days of an amazing holiday. The last day was traveling east therefore losing hours, surprised I managed to stay under budget.

Calorie goal 7020 | Calories consumed -265 (6971)  | TDEE -768 (7739)

I ate crap all holiday, the only veg I had was in my burgers. I started the holiday at 179.7lbs, I ended the holiday at 179.8lbs. No real gain or loss. Going on this, I think I was off on my logging as going by the figures I should have lost 2lbs. I’m happy that I didn’t really gain anything though.

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