Temp job hourly rate? (not a complaint about agencies)

[fogbat]

I've found that doing a weekly shop, rather than picking up bits and pieces each evening, is one of several things that have helped reduce my outgoings substantially.

 

[Minnie_the_Minx]

In theory in Sainsbury's Whitechapel. In practise I pick bits up in Costcutter (does not cut costs) and Co-op too.

See? This is a major lifestyle change.

Have you tried bulk shopping and getting it delivered (unless you have a car and can manage yourself)

Save a fortune on things like loo rolls, teabags, tins/cans etc.

 

[Minnie_the_Minx]

I've found that doing a weekly shop, rather than picking up bits and pieces each evening, is one of several things that have helped reduce my outgoings substantially.

Yep, I'm doing a fortnightly one with Tesco and getting it delivered. Still go to M&S, Nisa, Sainsbury's, local shops though, but big, bulky or heavy stuff, we get delivered.

 

[5t3IIa]

I baulk at spending that much money in one go It's so stupid - I won't buy a big box of cat food pouches because £12 feels like too much money...so I'll buy small boxes of it and spend more

I'm a retard, apols to all retards out there.

 

[Minnie_the_Minx]

I baulk at spending that much money in one go It's so stupid - I won't buy a big box of cat food pouches because £12 feels like too much money...so I'll buy small boxes of it and spend more

I'm a retard, apols to all retards out there.

Well this is another thing you can do. Once you've saved some money by making your own lunch, BULK BUY, it'll save you a small fortune

I do it now and now find myself resenting paying something ridiculous for a tin of tomatoes when I could be paying however much for four tins of tomatoes . Honestly, believe me, you will never want to buy single items again, or buy 2 loo rolls when you can buy 12 or buy so much washing powder when you can buy double

In fact, go to My Supermarket.com and start shopping (without actually paying of course) and see just how much you could save

 

[5t3IIa]

I will do. Thank you MtM

 

[Belushi]

cat food pouches ...

Arent they expensive

 

[Minnie_the_Minx]

I will do. Thank you MtM

PS: I won't take credit for all this. I'm sure it's people on this here website that directed me to MySupermarket.com

 

[Biddlybee]

I baulk at spending that much money in one go It's so stupid - I won't buy a big box of cat food pouches because £12 feels like too much money...so I'll buy small boxes of it and spend more

I'm a retard, apols to all retards out there.

Definitely try and fork out, if it's cheaper in the long run.

You don't buy those silly packs of 2 loo rolls do you?

 

[5t3IIa]

Arent they expensive

Sort of, but here's the thing. When my friend gave me his cat and said 'She only really likes Felix in jelly pouches' I scoffed and thought 'O I bet she'll eat anything really'

But she won't She'd rather starve than eat Sainsbury's own pouches or anything from a tin, or she'll get an 'upset tummy' and make a dirty protest by spewing under the bed or getting explosive diarrhea.

I'm not going to mess with the cat's lifestyle.

 

[5t3IIa]

Definitely try and fork out, if it's cheaper in the long run. You don't buy those silly packs of 2 loo rolls do you?

No! I buy four packs of Revive!

I used to buy 12 packs when I was rich, thereby spending less money in the long run

 

[marty21]

have you checked with those agencies yet ?

 

[Minnie_the_Minx]

That you're being a bit snidey with your remark.Definitely try and fork out, if it's cheaper in the long run.

Not at all, I'd be slapping my wrist if I spent £11 on breakfast and dinner



I'd be skint as well. You've obviously taken it the wrong way

 

[5t3IIa]

have you checked with those agencies yet ?

Marty - I looked and them and was struck by the actual physical sensation of not being qualified I have since got on to another central London random admin one which I think fits a bit better. My sincere thanks for your efforts

 

[beeboo]

I don't want to sound nasty, but I'm always staggered by the amount of money people routinely spend on food and drink in a working week.

Sorry 5t3lla, but spending £7.50 a week on porridge is plainly insane. If nothing else, that's money that could be better spent on a couple of pints.

I won't pretend I've ever been remotely hard-up, but when I first got a mortgage I had about six months where the difference between income and essential outgoings (bills, food, travel etc) was £12.50 a week. I was still in a secure job and the essential outgoings were enough to be comfortable, so I was lucky. But I got pretty good at reigning in unnecessary expenditure.

Buying books and magazines = out
Borrowing books from friends and getting a library card = in

Buying lunch = out
Making packed lunch = in

Coffee and croissant = out
Flask of coffee and homemade muffin = in

Buying new clothes = out
Repairing old clothes = in

Buying on ebay = out
Selling on ebay = in

etc etc. It actually becomes quite fun finding new ways not to spend money.

Other things which helped included taking out my 'petty cash' at the beginning of the week, and knowing I only had what was in my purse for the rest of the week.

And planning my social life carefully so I didn't get caught out by unexpected trips to the pub blowing the budget.

E2A - Good luck with the budgeting and the job hunt!

 

[Minnie_the_Minx]

No! I buy four packs of Revive!

I used to buy 12 packs when I was rich, thereby spending less money in the long run

Do you buy tinned tomatoes/beans, rice pudding/custards etc?

You'll save money buying supermarket brands

 

[Biddlybee]

No! I buy four packs of Revive!

I used to buy 12 packs when I was rich, thereby spending less money in the long run

Does work out cheaper.

 

[5t3IIa]

I don't want to sound nasty, but I'm always staggered by the amount of money people routinely spend on food and drink in a working week.

Sorry 5t3lla, but spending £7.50 a week on porridge is plainly insane. If nothing else, that's money that could be better spent on a couple of pints.

I won't pretend I've ever been remotely hard-up, but when I first got a mortgage I had about six months where the difference between income and essential outgoings (bills, food, travel etc) was £12.50 a week. I was still in a secure job and the essential outgoings were enough to be comfortable, so I was lucky. But I got pretty good at reigning in unnecessary expenditure.

Buying books and magazines = out
Borrowing books from friends and getting a library card = in

Buying lunch = out
Making packed lunch = in

Coffee and croissant = out
Flask of coffee and homemade muffin = in

Buying new clothes = out
Repairing old clothes = in

Buying on ebay = out
Selling on ebay = in

etc etc. It actually becomes quite fun finding new ways not to spend money.

Other things which helped included taking out my 'petty cash' at the beginning of the week, and knowing I only had what was in my purse for the rest of the week.

And planning my social life carefully so I didn't get caught out by unexpected trips to the pub blowing the budget.

Yah, I am honestly not mad with money. I mean - you are of course right about the porridge, that's a dire lack of organisation but I don't buy anything nice at the moment

I'm also going to stop taking my card out. If I've not got it on me I can't spend it, right

 

[beeboo]

Yah, I am honestly not mad with money. I mean - you are of course right about the porridge, that's a dire lack of organisation but I don't buy anything nice at the moment

I'm also going to stop taking my card out. If I've not got it on me I can't spend it, right

Sorry I didn't mean to imply you were being mad with your cash generally. I guess I just find it weird the things that people see as 'normal' expenditure.

I'm utterly hopeless about 'big picture' finances but I'm still pretty tight on controlling the routine out-goings. I still drink herbal tea because it's works out about 20p a week cheaper than contributing £1 a week to the office tea club

 

[beeboo]

BTW, instead of porridge, I mix oats with natural yogurt and honey and stick it in a tupperware pot, and when I get to work it's turned into a lovely oaty yogurty mix - it's like a summer version of porridge

 

[5t3IIa]

All good advice and recipes

Just cocked up - went to the shop planning on 'bulk buying' baccy instead of just getting a little bit but they didn't have any so I spent £6.30 on Marlboro Lights instead

 

[beeboo]

tsk!

 

[weepiper]

I wonder what weepiper would have to say about that

I would say, pffft I could make it at home myself with nothing but a small aubergine.

 

[Mr Smin]

If you're not fussy about a nice skin on the baked potato, you can microwave a raw spud to baked status in about 4 mins - do it in work's microwave for extra leccy savings. Wrap in a sheet of kitchen towel during microwavingfor improved result.

BTW - Brook Street told me that there is some kind of uniform contract with the NHS which for the temp means that you will reliably get at least the bottom of the A4C band for the job in question. PA is band 4 and at inner london rate that's 10 pounds and a few pennies per hour.

 

[Minnie_the_Minx]

I would say, pffft I could make it at home myself with nothing but a small aubergine.

Breakfast and dinner?

 

[weepiper]

Breakfast and dinner?

necessity was the mother of invention.

 

[Minnie_the_Minx]

All good advice and recipes

Just cocked up - went to the shop planning on 'bulk buying' baccy instead of just getting a little bit but they didn't have any so I spent £6.30 on Marlboro Lights instead

why don't you buy illegal stuff?

 

[AnnO'Neemus]

All good advice and recipes

Just cocked up - went to the shop planning on 'bulk buying' baccy instead of just getting a little bit but they didn't have any so I spent £6.30 on Marlboro Lights instead

Or you could give up smoking and be quids in.

 

[blues]

I sort of do. I know what my monthly outgoings are - almost everything goes out of the 1st (hangover from when I had a perm gig) and I calculate and calculate throughout the month how much I can spend to still cover all that. Like, I get paid weekly now so I just count the Fridays

But this won't work anymore if I can't get a temp job for my current rate.

That says you DON'T budget. You need to track your spending through a month - literally everything you spend. You'd be surprised how that shows up where your money actually goes.

Another issue this brings up = if you get a perm job, you'll be monthly paid. If you're living from week to week now, how are you going to handle switching over for the first month and a bit? The first pay likely being a part-month, and you'll likely still be getting weekly pay for a week or so, but only part of a month's pay and then you have to get through the entire month following that?

 

[5t3IIa]

That says you DON'T budget. You need to track your spending through a month - literally everything you spend. You'd be surprised how that shows up where your money actually goes.

Another issue this brings up = if you get a perm job, you'll be monthly paid. If you're living from week to week now, how are you going to handle switching over for the first month and a bit? The first pay likely being a part-month, and you'll likely still be getting weekly pay for a week or so, but only part of a month's pay and then you have to get through the entire month following that?

I'll borrow money I suppose. If I got a perm gig I'd be in clover.

I accept that I don't budget very well.