I got a little bit excited/anxious today about Christmas and bought the remainder of the my family’s Christmas presents this morning. I did it mostly with Amazon vouchers I had earned, not as epic a saving as last time, but a nice and much appreciated £45.55 was saved on my shopping. I spent £12.35 which is probably the most I have spent on an Amazon order since February.
I say I got a bit excited/anxious as I could have saved even more money as I have about £20 in Amazon vouchers from my various side hustles (all legit, promise!) which are waiting to clear, but this second batch of presents I bought today contains my little bro’s Christmas present, and part of his Girlfriend’s present, and I am seeing them next weekend and plan to exchange presents then. I didn’t want to risk the presents not arriving in time.
I have so far spent just over £40 on Christmas 2017. I need a further £80-100 in order to buy the in law’s presents.
As for the other costs-the Boxing Day football match, sending Christmas cards, Alcohol gift bags-well, I still haven’t figured out how I can afford them. I made good headway on Friday with the job hunt, but it is artificial headway, by which I mean it seems that I have progressed, but I am still in the same position.
(I applied for 2 jobs and called a temp agency who asked me to send my C.V. over)
So despite working so hard to prioritise my debt this year, where has it got me?
Sure I paid off over £3000 in a combination of bank debt and money I owed The Boy, and yes I have cleared my overdraft…but I had to borrow £750 off The Boy on Saturday to pay my bills. That’s the rate of debt I will get in every month I am unemployed.
I once heard the average time it takes someone to find a job is 4 months. 4 x £750 = £3000. Maybe I would have been better off saving that money instead.
Today I will sit down with whatever remains of my Irish Cream, put on the Christmas CD for about the 20th time already this Winter, and wrap the presents that have already arrived. I can toast my success in getting nearly £200 worth of presents for about £36 in cold, hard cash.
But maybe what I am toasting is I get to save face in front of my family, that I can provide them with gifts when I have zero net worth.