Penny: A Cats Life

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Penny cat on dining room chair logo. Subscribe If you enjoyed this article, subscribe to receive more just like it. Email Format html text. Post a Comment Click here to cancel reply. Every night was spend working in the pub, taking on extra shifts, I also did overtime in my office job.

In a year I had paid off my debts and saved enough money to pay my rent and bills on my little flat for 3 months. I was off travelling!

The turning point was that I hated my job and I wanted to leave to go to college and then uni to become a teacher. We went to so many places and saw so many things. That was the first time I got into debt. I hear you say!

The first time was totally different to the second time. The first time was just easy credit and living a champagne lifestyle on a lemonade budget.

I do feel guilty as there are people out there that are in debt for truly awful reasons and I just frittered my money away. And also that I was in a position to be able to clear the debt so easily and quickly. The second time was due to going back into full time education.

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I still worked my part-time job at the pub and took on extra hours around assignment deadlines and for the first year my boyfriend now husband paid my rent for me. After I had completed college, I then started university and we moved in together.

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Even with working shifts at the pub around a gruelling teaching course. This meant going into the overdraft each month and it creeping up and up. We consolidated a couple of times and each summer I took on whatever jobs I could find to try and make up the deficit plus earn some money to cover the summer. I did so many different jobs! Waitressing, working for a project management company while they did the rebranding of the Santander bank signs, homecaring where I did a mix of the office work and the caring sometimes my days were 7am until 10pm here.

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