In The Black

Yet another reason why this year is currently infinitely better than last year is as you know since the dawn of time (well the dawn of time of starting this black) I have been fighting constantly with my bank balance, trying to make ends meet. Trying to get out of debt, with my overdraft of £1500 being close to depleted several times over this past year alone due to constantly changing jobs; it’s been a long struggle.

Over here we call being in debt “in the red” and if you’re in credit then you’re “in the black”.

For the past fifteen years (1997) my mums been putting away money for me every week so the future Pete would benefit from having some cash and spend it on whatever he chooses. That money has also been earning interest.

Last week I was paid just shy of £500 to take my overdraft down to -£750, which is good as some jobs pay a month in hand, had this been the case I would have been in some deep shit. But no they paid me for the week I had worked and the week I was about to work, so this helped, then today that 15 years came to an end and I received this:

Three bastard thousand pounds! I have a huge amount of gratitude for my mother doing this as it seemed to have helped out just at the right moment. I know though not to blow this money on say… the casino tomorrow night. I’m too clever for that, this money is being saved. It’s cleared my overdraft and I no longer have to be in constant worry about my bank account.

This plus the wages I’ll be getting in the next few weeks will certainly solidify my place as someone who no longer needs to be charged for being overdrawn, it sort of feels like the end of an era. For too long I’ve been the scrimp and save Pete with nothing to show for two years of mental anguish, countless pointless jobs and barely any money to show for it.

This plus the fact that I’m quickly solidifying my place at the company I work for is a big help. This job I could see my self staying at for awhile. Today I made the company £10k in sales then fired someone in a store for telling a customer to fuck off. I on the other hand have been behaving and for the moment, the future’s looking pretty good.

Shall see you all Sunday as I’m off to London tomorrow to get messed up and watch Brand New live at the Roundhouse!

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Author: 'Ard Pete

Hey everyone, my names Pete, friends call me 'Ard Pete because... well, I'm well 'Ard. Currently in Chesterfield, England, currently working as an I.T. Technical Lead for BT Business and Public Sector; it sounds more glamourous than it is but I'm a dab hand with Microsoft products. I enjoy television, mainly any Star Trek, all of Stargate, Lost, anything Joss Whedon has produced, 24 and House. Favourite music includes; Mumford and Sons, Jason Mraz, Eminem, Chris Cornell, Ludovico Einaudi, Goo Goo Dolls, Muse, 30 Seconds To Mars basically a wide variety of anything that's real, I hate dance, trance and anything like that, I don't consider that to be music. Not much of a sports guy, I like Professional Wrestling, Mixed Martial Arts, Boxing, I can watch Football but only when I'm forced to watch it. Favourite author is Terry Pratchett, favourite film is Armageddon, favourite comedian is Lee Evans, favourite idiot is Karl Pilkington, favourite game is GTAIII, if there's anything else you wish to know, don't hesitate to ask. I'll more than likely not be busy.

33 thoughts on “In The Black”

  1. That’s wonderful, Pete! So happy for you!
    Have fun in London!
    But not too much fun. Tee hee

  2. Congratulations! I see that you are doing well, and I hope that will continue happening to you! 😀

  3. It’s always good to have your parents control your money for a certain period of time. I can’t imagine how many Pokemon cards I would have had if I could have gone to the bank whenever I wanted.

    Keep saving up on the money. Sex robots should exist soon. They will be expensive.

  4. That’s awesome! Don’t you love how everything worked out at the right time? Seriously save that up! If you waste it all in London and at Brand New! It’s easy to do!

  5. Pete i’m very happy for you, i’ve read about 4/5 posts from you about being in debt and now i’m sure you feel proud that your in the black. All you have to do is stay that way, don’t blow it.
    Remember, girlfriend = engagement = marriage = debt 🙂

    1. Haha too true Harry, I’m definitely going to be in save mode from now on but at least I don’t have to worry about still getting charged from the bank!

  6. I’ve worked out that it’s going to take me a couple of years now to get out of my overdraft… which is somehow very terrifying and comforting at the same time. I did consider doing a couple of shifts at ASDA, but I keep getting emergency taxed! Accursed two jobs. I’d be better off on the dole, having my benefits ‘capped’ at £26,000. Ugh.

      1. My tax code is split between my two jobs, so for each it’s incredibly low. But because I’m technically only earing one wage, that means that whatever I earn comes under its low tax code and I get taxed for everything that comes over it. Does that make sense? Bottom line is that I’m peniless!

        I know I’ll get out of it, but I also know it’s going to take a long time. This means no holidays this year, and I might have to cut back on food and heating… but hey, I might be cold and skinny, but at least I’m not hairy, right? Right? Yeeaah.

      2. I will do! I’m still employed there as a seasonal worker because I wanted to make it to my 3 month review at my new job to see if they still wanted to keep me. It’s scheduled for next month and I’m sure it will be fine, ASDA was more of a safety net really. I need to consider handing in my notice though because of all this tax malark.

        1. That’s a good idea actually, because if they don’t keep you on past the three months you won’t be screwed like I was with the shit company I worked for. How is it going at this new place? Is it bang tidy still? Do they get your humour? Are they all morbid? They were at my last job, after being here I can’t imagine wanting to go back there.

          Once you make it past your three month review you can get rid of Asda once and for all. You get all the money back anyway at some point, think you have to ring… the government?

      3. It’s still going alright, thank you. Some days are more difficult than others, but I just keep telling myself that ASDA wasn’t a challenge anymore and that I probably need something to prove difficult if I’m ever going to improve my skills and whatnot. They don’t really get my humour, or my cat shoes, or my overwhelming desire to dye my hair purple, but overall I think they’re warming to me a bit more! A bit anyway.

        I think they probably won’t let me go simply due to the huge amount of training it’s taken to get me to the level I am at now, I don’t think they’d have the time to train someone else as it’s such a small company. I can also do things that the other girls I work with can’t seem to- particularly spreadsheets, which I am currently feeling quite proud of, and got told that I was ‘brilliant’ in an email today which made me feel all warm and fuzzy inside. So I’m good at that, but not so good at other stuff. But I do tend to sell myself short; it’s what I’m best at. So I don’t know. All I know is that they haven’t fired me yet and that’s always a good thing!

        And yeah, I’m pretty sure I’ve got Cameron’s phone number somewhere in my address book. Bastard borrowed an ironing board off me, and I never saw it again.

        1. Well you won’t do, bloody Conservatives!

          In my Service Desk role I didn’t have much in the way of training, just had to figure it out for myself (much like here), then when I got to a stage where I was actually better than others on the team they got rid of me because I wasn’t in their little Clique of bitches and morbid twats. I feel so screwed over by that company it’s unreal, just everyone from the staff I worked with to the management to the HR department, absolute joke all the way through.

          You’re probably doing better than you think you are, it’s because you’ve been in Asda for ages so you don’t really know what to expect, I’m the same when I start new jobs, it’s always good to be challenged by your work because then when you eventually leave (if you leave) you’ll have these awesome skills that will earn you a lot more money!

          And being called brilliant is never a bad thing 😀 keep it up, I’m proud of you!

      4. Aw, thanks Pete! I’m proud of you too! I’m proud that you’re in the black and I’m proud you’ve found a job that fits 🙂 One day we’ll own our own service desk where we call people up, call them fucking twats, hang up and get paid for creating misery. It’s the dream, pal, it’s the dream.

        And every Friday we have cake. SO MUCH CAKE.

        1. Thank you 🙂 we’ve come so far over the past six months! I’d love to just buy a company and just randomly take calls and tell people to fuck off, then fire anyone who complains! I’d be on such a power trip!

          I used to have big sandwiches on Friday’s at the last place, now I have every Friday off so ain’t so bad I spose.

  7. Don’t talk to me about tax codes! I’ve just had mine sorted out after being emergency taxed through one agency that effectively blew out any money I made for that week. The tax man doesn’t like it if you have more than one employer. It hurts their brain.

    As someone who is still in the quicksand that is financial debt, but is managing to keep the head just above it, I am particularly impressed that you are now debt free. Sounds like this year’s going to be an absolute belter for you. Keep it going!

    1. Yeah so far, it’s still early doors yet though! I think I’m secure in this company though so that’s good. Unless it goes under then we’ll be screwed! The old company I worked for “lost” my P46 and I was emergency taxed the entire time I was there, still haven’t gotten that back yet!

      When do you get your emergency tax back? End of the financial year?

  8. Pete, do you mean P45, if so, you used to be able to apply for a replacement i don’t know if its still like that, it would be worth while phoning or going to the Citizen’s Advice 🙂

    Your old firm should have got it replaced.

    1. No P45 is what you get when you get sacked or quit somewhere however I either didn’t receive one or lost it, a P46 is what you fill out if you don’t have a P45 that way your tax code doesn’t get screwed. It’s still free n all, just easier than waiting to be sent a new P45.

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