Archives for posts with tag: money

My latest financial splurge has probably been the most sensible expense I’ve ever had. Night school.

At the end of September I embarked on (part time) student life, spending Tuesday and Wednesday evening in Illustration class & Figure Drawing class (after parting with £420 of tuition fees and £80 for art supplies- ouch!).

However, I truly believe that this is the best £500 I ever spent. The courses are 11 weeks long and cost £200 and £220 respectively. Each class is 2 and a half hours long so I really feel I’m getting my moneys worth

I have had something really fun to focus on, and have generated lots of work for my portfolio (more on than another time!).

I’m fortunate that my employers encourage learning and offer subsidies to those who wish to study, even if it’s not directly related to work, so I can claim 50% back on completion of the course (to the value of £250 per year).

Another great discovery for me was the ILA (Individual Learning Account), available to low earners residing in Scotland (terms are at http://www.ilascotland.org.uk/What+is+ILA+Scotland/Eligibility.htm ).

The purpose of an ILA is to provide up to £200 per year for a variety of courses, or £500 for a course towards a higher education or professional qualification. ILAs are available for people with an income of £22,000 a year or less, or those who are receiving benefits. Sadly it is no longer available to those living in other areas of the UK – sorry guys!

Fortunately or unfortunately, my annual pay falls into this lower category (hence, the need to budget) so it looks like I qualify for this kind of grant, which is fantastic news as I am already planning to book the next term!

Is there something you’ve been thinking of studying? Whether you fancy brushing up on your IT skills, or maybe baking cakes is more your bag, it might be worth looking into what funding opportunities are available to you. Maybe your employer would help fund a course? Particularly if it is beneficial to the company you work for.

Learning can really lift your spirits, and in these time of recession, I think we could all do with a little pick me up! For me, these courses fit into my grand plan, and sometimes you’ve got to spend money to make money, right?

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Yes it’s true. I left school 11 years ago and set off for Art School. A year later I dropped out as I wasn’t happy. I guess I took longer to ‘find myself’ than some of my peers.

Since then, I’ve probably found myself several times over: trained in Graphic Design at a vocational college, landed a job as a junior designer, quit job as a junior designer due to lack of progression in a small company, worked in retail, been promoted to manager, stepped down, and now I’m working as a sales person.

Anyone who has worked in retail will appreciate that it’s not the most rewarding job. In fact, at times, it’s downright insulting! I’m an intelligent girl, but I’m flighty. So guess what? I’m at a careers crossroad again.

I’ve flirted (a lot) with the idea of beauty school or teaching. I’m pretty set on the latter, so tomorrow, I’m going to school. I have a friend who works in the local high school and has kindly agreed to allow me to shadow her and sit in on her classes. Eeeekkk!!!

I haven’t stepped foot in a school since the start of the millennium (class of 2000 y’all!). So I’m pretty nervous, but also bubbling with excitement. Before you say it though, I am well aware of the shortage of teaching jobs at the moment, but think I may have a plan (top secret, y’know).

My budgeting efforts will have to (at least) double as I head into 4 years of full time education. Bring on the beans on toast!

Man make fire

Yesterday, I returned from a camping trip for my lovely friend Janine’s 30th birthday. Janine her husband, sister and closest friends all ventured north for bonfire & barbecue fun on the beach.

I’ve mentioned before that I think this is a fantastic way to spend a birthday, saving money rather than splurging on a party in a hired venue. J’s in-laws have a static caravan up north so a quite few folk slept indoors, whilst the remainder (including me & my husband) pitched our tent for the night.

We picnicked in the sunshine on the way up, just near Bruar and then continued up to Forres, a town just before Findhorn, to buy our barbecue goodies. We all put £10 in the kitty for the food, which turned out to be far too much so we got £5 back (score!).

The evening was spent collecting wood and building the bonfire at Findhorn sand dunes. The boys had a great time making fire and keeping it lit. In fact they got so carried away that they brought back a whole felled tree, which didn’t exactly fit in the bonfire, given that nobody had brought an axe!

It was a lovely night and a great way to celebrate J’s birthday.

Sunset over Findhorn Sands

The expensive part came on Saturday. My husband & I only planned to stay the one night so we headed back around about lunchtime. We weren’t even on the road for half an hour before we heard a rattle, and then just seconds later, the clank of the exhaust. Oh dear.

I have AA membership through my bank (that’s Automobile Association rather that Alcoholics Anonymous to those not in the UK – this story isn’t going to take that strange a tangent!) but I didn’t have the number on me. I tried to look it up on my mobile but there was no reception. Eek!

Luckily, a passing contractor pulled over to see if we were okay. He looked under the car & secured the exhaust to the tow bar loop with cable ties, which he explained would melt once the exhaust got warm, but he offered to show us the way to Frank’s Garage, who would be able to sort us out in the meantime.

Frank’s was all you would expect of a garage based in rural North East Scotland. A man of very few words directed us onto the ramp and secured it with thick copper wire instead. He didn’t charge us anything and said it should hold for the 3 hour journey home.

We’ll have to take the car to the local garage on Monday. Fingers crossed they’ll just be able to reattach the exhaust and that there’s nothing wrong with the exhaust itself- could be pricy!

So my money saving tip today is… Don’t own a car unless you really have to! We’ve already spent over £700 this year on maintaining our car (new brakes & tyres), not to mention £385 on insurance and more ££s on road tax. It’s really expensive, and strictly speaking, we don’t NEED it. But it has dramatically improved our quality of life, and allowed us to go camping for our holidays in July. Sigh. I fear it may have to go if the bills keep coming in at this rate.

My next post will be more up-beat, as I will be typing with my freshly manicured digits. Watch this space.

Morning! So I’ve got that Friday feeling, which only happens to me once a month as I work alternate weekends (and on my other weekend off I’m off the Friday as well – yay!). I’m pretty excited today as I’m going to a friends house after work for dinner and movies and gossip! There will be five of my oldest friends, we’ve known each other since before high school so there’s always plenty to catch up on.

My husbands always moaning that he doesn’t have enough money to meet up and hang out with friends. He seems to think that he MUST meet his friends in the pub and that he MUST order several beers. I disagree. Some of my favourite days/nights socialising in the last year have been at home or at friends houses.

My friends and I have revived ‘the sleepover’, and could happily spend the night chattering away, watching movies, and, of course, eating junk food! I should state now that we are all in our late 20s (very late, 30 is looming!), so we probably should have grown out of sleepovers by now, but we would all argue that it’s one of the cheapest and most relaxed way of socialising around.

We’ve done pot luck dinners (everybody makes a course so there’s plenty for everyone and nobody has to shell out on the cost), ladies that lunch (we all got our glad rags on and made lunch and afternoon tea – it was awesome!), barbecues, even breakfasts! It’s all been at someone’s house, on the cheap!

Don’t get me wrong, I love a night out too! But there’s nothing worse than going on a night out when your skint, worrying about spending money you know you shouldn’t be spending, especially when others are egging you on – ‘Go on, have another drink!’. Frugal times are best spent with frugal friends at home!

In other news, I have started reading the Harry Potter books again from the start (the end of the movies has left a huge gap in my life, until the box set is out of course!). Also, and this is the best thing, I think I might get paid today. Here’s hoping! Will check my balance on the way to work. It’s been a tough month money-wise, so this pay-check is most welcome!

I’m so proud of myself today. I spent exactly £1.36 today. That. Is. All.

I did a little shopping yesterday to pick up breakfast food to take to work this week so breakfast consisted of:
2 broken up ryvita biscuits with Greek yogurt, muesli (on offer for £1, usually £2.46) blueberries (£2, large punnet) and cherries (£1 on offer). Yum yum, very filling and healthy too!
I had a coffee from the machine at work for 50p (no Starbucks or Costa!).

My husband made a big batch of soup on Saturday and divided it up into little portions and popped them in the freezer (clever hubby!). So I grabbed one of them for lunch, it had thawed nicely by this point and I zapped it in the microwave for 2 minutes. I bought a slice of bread and a portion of Philadelphia Light for 36p from the canteen and another 50p coffee from the machine. (we have free water at work from the coolers so I had a few glasses throughout the day)

I’m so pleased about not spending anything! It’s such a great feeling!