my non-mortgage mortgage free journey

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  • quintwins
    quintwins Posts: 5,179
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    Statement of Affairs and Personal Balance Sheet
    Household Information
    Number of adults in household........... 2
    Number of children in household......... 3
    Number of cars owned.................... 1

    Monthly Income Details
    Monthly income after tax................ 1086
    Partners monthly income after tax....... 0
    Benefits................................ 892
    Other income............................ 0
    Total monthly income.................... 1978

    Monthly Expense Details
    Mortgage................................ 0
    Secured/HP loan repayments.............. 0
    Rent.................................... 150
    Management charge (leasehold property).. 0
    Council tax............................. 0
    Electricity............................. 70
    Gas..................................... 0
    Oil..................................... 0
    Water rates............................. 0
    Telephone (land line)................... 45
    Mobile phone............................ 17.5
    TV Licence.............................. 0
    Satellite/Cable TV...................... 0
    Internet Services....................... 0
    Groceries etc. ......................... 200
    Clothing................................ 0
    Petrol/diesel........................... 150
    Road tax................................ 0
    Car Insurance........................... 0
    Car maintenance (including MOT)......... 0
    Car parking............................. 0
    Other travel............................ 0
    Childcare/nursery....................... 0
    Other child related expenses............ 25
    Medical (prescriptions, dentist etc).... 0
    Pet insurance/vet bills................. 0
    Buildings insurance..................... 0
    Contents insurance...................... 0
    Life assurance ......................... 0
    Other insurance......................... 15
    Presents (birthday, christmas etc)...... 0
    Haircuts................................ 10
    Entertainment........................... 0
    Holiday................................. 0
    Emergency fund.......................... 0
    gym .................................... 70
    Total monthly expenses.................. 752.5


    Assets
    Cash.................................... 0
    House value (Gross)..................... 0
    Shares and bonds........................ 0
    Car(s).................................. 0
    Other assets............................ 0
    Total Assets............................ 0


    No Secured nor Hire Purchase Debts

    Unsecured Debts
    Description....................Debt......Monthly...APR
    Total unsecured debts..........0.........0.........-


    Monthly Budget Summary

    Total monthly income.................... 1,978
    Expenses (including HP & secured debts). 752.5
    Available for debt repayments........... 1,225.5
    Monthly UNsecured debt repayments....... 0
    Amount left after debt repayments....... 1,225.5

    Personal Balance Sheet Summary
    Total assets (things you own)........... 0
    Total HP & Secured debt................. -0
    Total Unsecured debt.................... -0
    Net Assets.............................. 0

    Created using the SOA calculator at www.stoozing.com.
    Reproduced on Moneysavingexpert with permission, using IE browser.


    DEC GC £463.67/£450
    EF- £110/COLOR]/£1000
  • quintwins
    quintwins Posts: 5,179
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    edited 21 February 2013 at 9:13AM
    Above is my new SOA some of my tax credits has went down (and they recon there still over paying us so i have no idea what will happen come april) it uncludes my pay now aswell.

    Me and hubby joined the gym at £70 a month it will go down to £60 when we sign in for a year but we want to see how we get on first, we are also starting a diet so i have bumped my food budget back up to £200 which should be more than enough to cover the extra fruit, veg, salad and yogurts we are going to need. Went this morning for the first time really hope we stick at it.

    I think saving £1200 a month is still a good amount and we will feel better losing weight and getting fitter so i'm happy to spend the extra.

    Other than that the usual washing on the line, surveys and as little spending as possible today.
    DEC GC £463.67/£450
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  • quintwins
    quintwins Posts: 5,179
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    HI all diets going well i'll post of thur to let you know how much weight i've lost, my bankbalance is not going so well, we spent £105 yesterday on 21kg of cod, 6 bision steaks to try as it's suppose to be very lean and half the calories of beef sirlion, and tons of fruit, something i did not know sweet potatoe has the same amount of carbs and only 2cal difference than normal potatoes, wish i'd never that before i bought some altho they were reduced.

    My banks looking very sad, i lent some money to a friend to help her out and then today i paid my creditcard bill, it was mostly hotel rooms hubby booked for a stag do on it so i should get about half of it back, oh yeah and i spent £150 buying my kids tablets from carphone warehouse, but you never know i might acually get my ipad back lol.

    I'm not really meal planning more just eating what we fancy or i have defrosted, making a big batch of chicken stew for the kids (using teh sweet potatoes i now can't eat!!)

    Washings on the line even tho theres still frost of the ground it looks like it's going to be a lovely day, making the most of my gym membership and went to a slimming class at 7 this morning so i'm now wise awake and ready to go :)
    DEC GC £463.67/£450
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  • quintwins
    quintwins Posts: 5,179
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    edited 26 February 2013 at 11:55AM
    Ok heres the meal plan for the week

    me and hubby- breakfasts are mainly sausages, bacon, poached eggs or fruit and yogurt, drinks are water and pure fruit juice)

    tue
    l-egg and bacon salad, pot of fruit with mullerlight
    d-pork chop with roasted peppers, mushrooms and red cabbage

    wed
    l-peppers stuffed with no bean chilli and a tiny bit of cheese followed by fruit
    d-pork chops with carrots and sweetcorn

    thur
    l- chilli topped with cheese and muller light
    d-burgers topped with poached egg and salad

    fri
    l-sausages bacon and scambled egg
    d-baked cod with mixed veg

    sat
    l- ham omlette followed by fruit
    d- sirlion steak with peppercorn sauce, beef sausages, sweetcorn and brocolli

    sun
    l- dinner at inlaws
    - poached egg and burgers with salad for tea


    kids (bigger boys get school dinner so lunch is the stuff i'm trying to use up for the smaller child so just dinners)

    tue-chicken stew
    wed-sausage rolls mash and beans
    thur-chicken stew (needs used up)
    fri-fish and chips
    sat-mince and taties
    sun-beans on toast (big lunch at inlaws)
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  • quintwins
    quintwins Posts: 5,179
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    Hello all week 1 of my diet and i've lost 6lbs :) so well worth the effort i even cheated abit.

    It's been an expensive few weeks but tomorrow is a nice new month so hopefully we'll get lots of savings in the bank next month, hoping my friend will pay me back most of the £3140 she owes me this month and i'm hoping to add £1000 to my savings myself aswell, have quite a few nights out to deal with so if i manage £1000 i'll be happy :)
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  • quintwins
    quintwins Posts: 5,179
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    Ok so new month new start :) meal plan done for the week and it should only cost £12 (plus the £8.50 i already spent on sat), kids are eating out of the freezer using stuff up.

    Today we are having baked cod with salad and the kids are having spag bol.

    Standing order of £159 went to the savings aswell :) rents due next week but i'm still hoping to get back up to the £8k mark :)

    Thats it for now, off to the gym 3 mornings this week, cars full of desil paying £4 to school for snack money later so hoping to get threw the week on £30 (i'm buying the kids hooks for over there bedroom doors at £10 aswell) I'll see you all on thur to let you know how i'm getting on and how much weight i've lost :)
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  • quintwins
    quintwins Posts: 5,179
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    Morning all was up early at the gym, i've lost 2lb this week :)

    I've updated my sig and it's rather interesting reading if anyones interested. Will be back on mon to update my savings.
    DEC GC £463.67/£450
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  • quintwins
    quintwins Posts: 5,179
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    I'm going to pinch some from my savings, i feel food spends have gotten out of hand so i will be taking out the cash left in my £200 budget today (£140) aswell as the money i need for the rest of my rent (£90) and the £25 for the kids entertainment for the money and then i will be leaving all cards at home, rent and entertainment will go in a seperate purse than my normal one, my normal one will have food money and when it's gone it's gone. Wish me luck.
    DEC GC £463.67/£450
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  • quintwins
    quintwins Posts: 5,179
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    Hi all cash only is going well so far, was up early and went to the gym, home for a quick tidy then off out soon to bring ds to physio, busy day here :)

    Moved some money about this morning was a good day savings wise with over £600 added bringing me back up over £8k :j will have another £115 to add before the end of the week, hubbys a week behind on his pay so if that comes threw i will have over £500 to add next monday aswell :T

    I had some cashback from hubbys camera clear, tcb now offer tesco clubcard vouchers so i changed £43ish onto them, when the exchange is on i'll double up for freezer food :money: you can only put £50 into clubcard vouchers so i also have £25 in love2shop vouchers which i will use in iceland in the meantime, i need soem frozen veg but i'll short that closer to teh end of the week.

    I hope you all have nice frugal days i have a sore throat so mine will consist of feeling sore for myself, cleaning and ofcourse avoiding shops :)
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  • quintwins
    quintwins Posts: 5,179
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    Check cleared to £123.55 added to the savings.

    I think I've washed my work cheque so will have to get a new one.

    I've been very ill I don't think I properly shifted my infection I had after Xmas, I don't know exact figures but I do know hubby took £30 our of my purse for dinner for him and the kids and tablets for me, but I'm still hoping to get yon only the cash I too out.
    DEC GC £463.67/£450
    EF- £110/COLOR]/£1000
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