(no subject)
Nov. 21st, 2007 07:38 pm![[personal profile]](https://www.dreamwidth.org/img/silk/identity/user.png){kind=small}
girlofpreyI am the worst grown-up you have ever met. Seriously.
My agency were very good about getting me into work so quickly after leaving my job at the University. Really. What they weren't so good at was knowing when I'd left my job at the University - they texted me last Monday to say they hadn't received my timesheet from that job, two weeks after I had left it - or telling me that their sending me my P45 form, which I thought might be a subtle way of telling me I was off their books, meant that I had left the agency and rejoined it for this current job, which meant that all my arrangements had been reset. It turns out that when I got my pay by cheque the other week it was because they couldn't pay me by BACS/Direct Debit without my authorisation anymore, which they didn't call me about until last Friday, I can only imagine because they didn't know what the hell was happening with my job situation. This meant that my pay from last week was also paid by cheque rather than into my bank.
This all meant that there was no money going into my bank in the last few weeks, but a lot of money going out, especially after I paid that £100 water bill. This meant that when I got home on Friday I had a letter from Barclays saying I'd gone over my overdraft, incurring a £10 charge, which would be waived since I normally kept my account in a good state, but if I made any more charges or payments I would be charged £10 up to twice more. This a day or so after I had charged about £3 to my card in the local shop for food and got £10 out of a cash machine for bus fare. So. I keep having to get money out for bus fare, which is £2.70 a day. And today I got a letter from my internet company saying my Direct Debit bounced. Can I please call them to pay again within 7 days, or they will cut off my outbound calls.
I have a plan. I do have a plan. I cashed my paycheques and switched my agency payments back to BACS, and I extended my overdraft. So I should be able to pay my internet fee off tomorrow, even if the cheques haven't gone through. And I'm going to get a bus pass at the weekend, which is about £35 instead of the £54 I would be paying if I kept paying with change. And which I can use for as many bus journeys as I want. Which is good.
But this is really just the tip of my money problems, and only the part my agency was involved in. When my cheques go through I might, just, be in credit with my bank. If I don't spend anything in the next two weeks, I should have about £400 by December 1st. Which is about the amount I need for rent and council tax, to be paid on the first. This isn't counting all the other bills I have that go out of my account. And I'm going to a concert in London on the 30th November. Although I've already got my ticket and my train tickets now. Cheap and in advance. And then, after the first of December, there's Christmas. Although my mother has made it fairly plain that I DON'T HAVE TO DO THAT IF I DON'T WANT TO, THE PARTS INVOLVING MONEY ANYWAY. But there are the bank holidays that I won't be working, and the days I'm taking off to go home and to just have some time off. And arrrrrrrggggghhhhhh.
It will be fine. I know it will be fine. I will just have to keep an eye on my spending and keep working, and take a look at when payments are going out for bills, and my overdraft will probably cover everything. I just talked to my mother for about half an hour on the phone and she thinks I should get a permanent job. Which is another thing I should probably do.
Heroes normally takes about an hour and a half to download. Last night it took 6 and a quarter hours, and at the end of it told me I didn't have enough space on the disk for the episode, despite my having just deleted and emptied the recycle bin of an episode that was possibly a bit bigger just six hours before. Tonight the download says it will take another six hours. I don't know if this is something to do with my direct debit bouncing. Growl.
I haven't done the washing up in ages. I buy takeaway more than I probably should because I never have anything washed up. Which probably doesn't help with the money. The other day I found stuff growing on the cold tap as I was getting a drink of water. Ick.
I need to sweep the kitchen floor. I dry my hair with the hairdryer and BURN MYSELF. And so on.
Oh. It's fine probably. I'll do that payment tomorrow. And they've said my current job will quite probably last at least until Christmas, and probably a few months more, even though it's SUPER DULL. I am filing stacks of individual sheets into individual files. That's it. But it's nice to have stable work, and the people are nice. A few other temps and I used to be in a meeting room doing it, where we could have a radio and chat, leaving the actual workers to have meetings in a freezing cold portacabin apparently, but we've been moved now. But it's fine, and there's not exactly any rush to get it finished.
I went to the Christmas lights being switched on in Nottingham tonight, before I got that letter about the payment bouncing. I missed the actual switching on, but it was lovely all the same. We have an outdoor skating rink in the market square until christmas, and there's a little German market. I had a German burger and some fruit covered in chocolate. That was great.
I also finished Season 1 of Alias. Which is a slightly wonderful. I don't know who on my flist watches it. I love quite a few of the characters. Sadly I now have four 22-episode seasons' worth of canon to catch up on until I can really read the fic. The slash, I mean. Although I've found some with no spoilers now. Hurrah! And there are celebrities on my TV complaining about flies and stuck up trees. Some have pigtails. That's quite good also.
My agency were very good about getting me into work so quickly after leaving my job at the University. Really. What they weren't so good at was knowing when I'd left my job at the University - they texted me last Monday to say they hadn't received my timesheet from that job, two weeks after I had left it - or telling me that their sending me my P45 form, which I thought might be a subtle way of telling me I was off their books, meant that I had left the agency and rejoined it for this current job, which meant that all my arrangements had been reset. It turns out that when I got my pay by cheque the other week it was because they couldn't pay me by BACS/Direct Debit without my authorisation anymore, which they didn't call me about until last Friday, I can only imagine because they didn't know what the hell was happening with my job situation. This meant that my pay from last week was also paid by cheque rather than into my bank.
This all meant that there was no money going into my bank in the last few weeks, but a lot of money going out, especially after I paid that £100 water bill. This meant that when I got home on Friday I had a letter from Barclays saying I'd gone over my overdraft, incurring a £10 charge, which would be waived since I normally kept my account in a good state, but if I made any more charges or payments I would be charged £10 up to twice more. This a day or so after I had charged about £3 to my card in the local shop for food and got £10 out of a cash machine for bus fare. So. I keep having to get money out for bus fare, which is £2.70 a day. And today I got a letter from my internet company saying my Direct Debit bounced. Can I please call them to pay again within 7 days, or they will cut off my outbound calls.
I have a plan. I do have a plan. I cashed my paycheques and switched my agency payments back to BACS, and I extended my overdraft. So I should be able to pay my internet fee off tomorrow, even if the cheques haven't gone through. And I'm going to get a bus pass at the weekend, which is about £35 instead of the £54 I would be paying if I kept paying with change. And which I can use for as many bus journeys as I want. Which is good.
But this is really just the tip of my money problems, and only the part my agency was involved in. When my cheques go through I might, just, be in credit with my bank. If I don't spend anything in the next two weeks, I should have about £400 by December 1st. Which is about the amount I need for rent and council tax, to be paid on the first. This isn't counting all the other bills I have that go out of my account. And I'm going to a concert in London on the 30th November. Although I've already got my ticket and my train tickets now. Cheap and in advance. And then, after the first of December, there's Christmas. Although my mother has made it fairly plain that I DON'T HAVE TO DO THAT IF I DON'T WANT TO, THE PARTS INVOLVING MONEY ANYWAY. But there are the bank holidays that I won't be working, and the days I'm taking off to go home and to just have some time off. And arrrrrrrggggghhhhhh.
It will be fine. I know it will be fine. I will just have to keep an eye on my spending and keep working, and take a look at when payments are going out for bills, and my overdraft will probably cover everything. I just talked to my mother for about half an hour on the phone and she thinks I should get a permanent job. Which is another thing I should probably do.
Heroes normally takes about an hour and a half to download. Last night it took 6 and a quarter hours, and at the end of it told me I didn't have enough space on the disk for the episode, despite my having just deleted and emptied the recycle bin of an episode that was possibly a bit bigger just six hours before. Tonight the download says it will take another six hours. I don't know if this is something to do with my direct debit bouncing. Growl.
I haven't done the washing up in ages. I buy takeaway more than I probably should because I never have anything washed up. Which probably doesn't help with the money. The other day I found stuff growing on the cold tap as I was getting a drink of water. Ick.
I need to sweep the kitchen floor. I dry my hair with the hairdryer and BURN MYSELF. And so on.
Oh. It's fine probably. I'll do that payment tomorrow. And they've said my current job will quite probably last at least until Christmas, and probably a few months more, even though it's SUPER DULL. I am filing stacks of individual sheets into individual files. That's it. But it's nice to have stable work, and the people are nice. A few other temps and I used to be in a meeting room doing it, where we could have a radio and chat, leaving the actual workers to have meetings in a freezing cold portacabin apparently, but we've been moved now. But it's fine, and there's not exactly any rush to get it finished.
I went to the Christmas lights being switched on in Nottingham tonight, before I got that letter about the payment bouncing. I missed the actual switching on, but it was lovely all the same. We have an outdoor skating rink in the market square until christmas, and there's a little German market. I had a German burger and some fruit covered in chocolate. That was great.
I also finished Season 1 of Alias. Which is a slightly wonderful. I don't know who on my flist watches it. I love quite a few of the characters. Sadly I now have four 22-episode seasons' worth of canon to catch up on until I can really read the fic. The slash, I mean. Although I've found some with no spoilers now. Hurrah! And there are celebrities on my TV complaining about flies and stuck up trees. Some have pigtails. That's quite good also.
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(no subject)
Date: 2007-11-21 10:08 pm (UTC)(no subject)
Date: 2007-11-28 07:14 pm (UTC)(no subject)
Date: 2007-11-28 07:11 pm (UTC)I had thought about working over New Year. But I'm not sure I will be able to with this job, anyway - I'm pretty sure they just close. And I'm going home to my family's for Christmas, and that will be lovely, but probably EXHAUSTING. So I really would like the Saturday, Sunday, New Year's Eve and New Year's Day off. But I'll have to see what my finances are like closer to the time.
I actually already have a Barclaycard. I'm not sure what the interest is on that, but I'm pretty sure it was about the same, nothing so long as you repay the minimum amount, when I used it. Although I was a student at the time. I don't really like to use it. The one time I did, I ended up not getting the bill because I was still registered at my parents address, while at uni, and they kept forgetting to bring it, and eventually I got charged and had to call up and cry off for it not being entirely my fault. I think an overdraft works about the same if you have enough credit, and it's less easy to forget about the bill. I don't know. It's another option, I suppose. The post office money, unfortunately, is gone. During those few months when I had the savings from dad in my account and I knew there was £1000 less there than there should be and didn't want to know why, it turns out I accidentally spent £700 of it, out of £800. So. I'm relying on the other savings at the moment, and I have been transferring some over to cover my bills. I don't want to just fritter them away though, so I have to pay that back as well. Woe.
Hello. I'm coming to see you on Friday. This is me reminding you. My train gets to London for 4:15 apparently, so I should be at the flat for about 4:30. Or I can wander if you're not going to be home for a bit. Are you planning to get food in for Friday? I'll get a burger or something, if not. And I don't need to bring a pillow do I? Do you want me to bring anything? Do you still want Carnivale?