|>>|| No. 13169
The other thread has made me realise how much better things could be for me, financially. I've always used money as a means to making the next big step in my career, e.g. my last two big blocks of spending were for driving lessons and to get my license, the next was to move flat and enrol a masters degree. I've not had the chance to build up a big surplus or create savings, and this now has me worried.
So I'll bite, I'll let you guys review.
>What is your income? what are your necessary expenses?
I work 50% part-time university job, alongside full-time study (technically I'm at 150%, but it's very easy, and if anything I feel I could do more). This brings in about £900 per month, £520 of which goes on rent (includes utilities, WiFi, etc.). Food is expensive where I'm living right now, even supermarket food, but thinking about it I could do my shop elsewhere... I end up spending between £180 and £240 or more per month just on grocery shopping. I need to account for whatever causes this and cut back. I earmark some for public transport and gym membership.
I have all this worked out on a spreadsheet that originally put me in a slight surplus (about £70 or wiggle room per month), but I've obviously been spending far more than this lately. I'm going to have to go through all this again and eliminate *everything* unnecessary.
>How good are you at your job and are you being paid right? Could you get a raise? Could you find a better paying job?
It's in academia and I'm not sure I'm in a position to negotiate for pay. Honestly, I'm not comfortable at negotiating to begin with and am more inclined to move around to look for better pay.
I am sure I could find something better, and I am sending out applications not just for additional work, but also something to potentially replace this "main" job.
I've even debated whether it would be possible to balance a 75% to 100% full-time job with full-time study, if I have some sympathetic lecturers and flexitime.
>What are your frivolous expenses, and if there is anything you could do to reduce the necessary and frivolous expenses?
My most frivolous expenses tend to be convenience purchases, i.e. a sandwich for lunch when I don't want to cook meals in advance. Coffees and meals out I can cut back on, for sure.
I donate a modest amount to charities, which I will have to cut back to maybe one or two very important ones.
Unlike Brian, I spend virtually nothing on booze. My social life is pretty relaxed, an occasional catch-up with friends here and there. I have been going out on pretty expensive dates recently, including sometimes seeing a girl in another city (fucking trainfare). I'm sure I can work out something fairer there, and she's mentioned she'd be happy to meet me here instead.
That's all that comes to mind right now. My bank has kindly charged me an overdraft fee, so I'm on a dwindling £19 and desperately trying to remember if I put a £20 in some other account somewhere.
This may not solve my shite situation for the next 23 days, but I'm more than willing to take advice to avoid being in this situation again.