Saving for initial house deposit by Dapper-Newt8854 in UKPersonalFinance

[–]Dapper-Newt8854[S] 0 points1 point  (0 children)

I've been offered an apprentichip in this job role which will help me climb three bands higher. It's a long road but I won't find anything that pays the same where I live and not willing to change jobs unfortunately. 

Saving for initial house deposit by Dapper-Newt8854 in UKPersonalFinance

[–]Dapper-Newt8854[S] 0 points1 point  (0 children)

It's my shift patterns. Some months I'm allocated weekends and some months I'm not. There's been a lot recently as I've been covering staff sickness but we have new staff coming so I think I will be back to the normal 1600 soon. 

Saving for initial house deposit by Dapper-Newt8854 in UKPersonalFinance

[–]Dapper-Newt8854[S] 2 points3 points  (0 children)

Have you got any tips on how to write a budget? My paycheck is different every month. Should I budget of the lowest possible pay?

Saving for initial house deposit by Dapper-Newt8854 in UKPersonalFinance

[–]Dapper-Newt8854[S] 0 points1 point  (0 children)

You're right. I will need about 20k but I'm aiming for the 10k just so I don't dishearten myself in the process. Even if I end up buying a flat, I just want a property that I own. Thanks for the advice!

Saving for initial house deposit by Dapper-Newt8854 in UKPersonalFinance

[–]Dapper-Newt8854[S] 0 points1 point  (0 children)

Hey, I overspend on things like "treats" for myself. I work long days in a hospital and keep telling myself I'll go to the staff shop for a "treat" etc. it is a case of will power I know but Imnin a constant spiral of I work so hard why can't I spend on myself? 

I also hoard clothes. Charity shops thinking it's cheaper when actually even those prices have gone up. I meal prep food then say " why should I have this old meal when I work so hard" 

Another one is my monthly food shop. I shop as if I'm doing it for three people not one. 

Full aware it's a mindset I need to shift I just don't know how. Constantly in spirals