The diary of Martin Mac...

Right then, statement of affairs time. I've converted all the figures into weekly amounts for the sake of easy calculations...:p

INCOMINGS

Working Tax Credit - £44 a week
Housing Benefit - £71 a week
Client A - £125 a week
Client B - £61 a week
Client C - £40 a week
Client D - £25 a week

TOTAL INCOMINGS £366 a week

I have four main clients. Client A is my regular bread-and-butter, I work five mornings and three evenings a week for him, a total of around eleven hours a week. He pays me £125 a week for this. I rent my house privately from him; it's a 3 bed house costing me £125 a week so basically I work for him for nothing.:rolleyes: .

Client B is a regular one too but for only four months a year. I earn on average £800 a month when working for them which averages out at £80 a week when taken over a year. ( £3,200 / 52 weeks ).

Client C only uses me for ad-hoc work maybe twenty times a year. Each job is a minimum of £95 a time and is often more if return trips are planned. The figures above have been re-jigged to make a weekly figure.

Client D is regular too. It's about four hours work a week for £25. This is a new customer from August so didn't show up in my SOA.

OUTGOINGS

Rent - £125 a week. It's a three bed house. I need the second bedroom for the little ones when they stay but the third room is empty.

Council tax - £21 a week.

Gas / Electric - £20 a week. This is a temporary estimate as I've just had pay-as-you-go meters installed for both to help me with the budgeting.

Broadband / Home phone / TV / Mobile - I have the Virgin Media package for this, works out at £12 a week which is a bargain IMO.:D

Housekeeping - living alone but with the children at weekends, I'd allow £30 a week all-in. This would include anything bought at a supermarket. I shop at Asda generally or Tesco's occasionally.

Football - the youngest two go to training and also play for a team. I'm the webmaster and the referee too.;) £7 a week covers subs for them both. I also follow a League team too, we have season tickets which cost me £12 a week on instalments.

Fuel - one of my biggest expenses. This can vary amazingly depending on how busy I am. On a quiet week, it may only be £30 a week but at other times, £120 a week is nearer the mark. I owe nothing on the car, it doesn't really depreciate as its worth nowt already:rotfl: so I'll allow £85 a week as an average.

Car Insurance - £8 a week. Recently changed provider after checking on confused.com:A

TV Licence - £3 a week

Car tax / repairs - tricky really to work out. I suppose in a good year, I'll spend £10 a week on average on repairs plus another £4 a week on tax.

TOTAL OUTGOINGS £330 a week

That seems to show a surplus but in reality it rarely does, hence the fact I've got into debt. I owe £5,000 to the CSA, BT, Three, Provident, my local water company, my last car insurance company and a bank overdraft. The main annoyance is that I don't have set days on which I'm paid which can be fretful.

mickey_mouse wrote: »

Gooooooood luck with the change of user name and the debt busting.

us MMs have to stick together:D - makes us both a cuppa

do you sell stuff one ebay, do daily clicks, competitions to up your income?

None of the above, Mickey, I'm afraid to say. If it's daft-looking tat with little or no use to anyone, I'm probably still using it to be honest...:D :eek:

I need to get myself more organised for that sort of thing really. Matched betting is another thing I really need to look into as others are doing well from it once they've put the groundwork in.

(Land_of)_Maz wrote: »

:wave:

hey there good looking!

Hi Maz, how are you?

Been quite a good boy today. Spent £31.00 on petrol ( 31 juicy Clubcard points ) plus £5.28 on shopping ( well, snacks and chocolate to be honest )...:eek: