Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • UncannyScot
    • By UncannyScot 21st Apr 17, 9:01 PM
    • 899Posts
    • 5,232Thanks
    UncannyScot
    Rambling on...
    • #1
    • 21st Apr 17, 9:01 PM
    Rambling on... 21st Apr 17 at 9:01 PM
    Where do I begin? This is hard...
    OK, I'll begin with my SOA:

    Household Info
    Number of adults - 1
    Number of children - 0 (they are with their Mum)
    Number of cars - 0

    Monthly Income
    After tax - 2104
    Benefits - 0
    Other Income - 0
    Total Monthly Income - 2104

    Monthly Expenses
    Rent - 295
    Council Tax - 80
    Elec - 30
    Gas - 30
    Home Phone/TV and Broadband - 45
    Mobile - 12
    TV Licence - 13
    Shopping - 170
    Clothes/Shoes - 30
    Childcare/nursery - 500
    Other Child related expenses - 500
    Haircuts/Shaving - 10
    Entertainment - 20
    Emergency Fund - 15
    Total - 1750

    Assets

    Cash - 0
    House value - 0 (N/A)
    Shares/Bonds - 0 (N/A)
    Car - 0
    Other Assets - 0
    Total - 0

    Secured/HP Debt
    Mortgage - 38500
    Secured Debt - 19500
    Total - 58000

    UnSecured Debts
    Loans/Short Term/Payday - 6060
    Credit Cards - 1450
    Old Mobile Account - 330
    Total - 7840

    Monthly Budget Summary
    Total Income - 2104
    Expenses - 1750
    Available for debt repayments - 354

    Personal Balance Sheet Summary
    Total Assets - 0
    Total Secured Debt; -58000
    Total Unsecured Debt; -7840
    Net Assets; -65840
    there may be a few wee errors here as I had to type it all out as it wouldn't let me paste it in...

    As you can see, it's BAD... How did it get so bad?
    When I left home and got my home of me own I thought I was doing great. Single lad, I had a good job, good income, social life etc.
    I had the mortgage with the bank, credit card with the bank, then a loan for my first car...then other loans... and so it began to build up.
    After a while I managed to clear the loans and the cards and was able to keep myself in the black.
    Eventually, I met a nice lassie, we got married, had kids and started to build up debts again... Loans for holidays, cars, furniture etc. Used Credit cards and the bank overdraft for emergencies... we thought we were doing alright.

    I rented out my old pad, the rent covered the mortgage.
    Then out of the blue I lost my job...
    I lost the the old place cos my tenant moved out, got married and set up on her own. I couldn't get another tenant who stayed long enough and paid the rent to keep it going... I lost it... repossessed.

    My marriage fell apart, I left my family and the family home... had a total meltdown/breakdown.
    I ended up homeless, going from friend to friend, whoever would put me up for a bit, let me have somewhere to sleep.
    This went on for a few years, until I was fortunate enough to land another job. The friend I was staying with encouraged me to apply for a flat with the local council and eventually I got one.

    I began to get back on my feet again, furnishing my wee place with second-hand furniture and other basic household items from the local charity shops. I don't have anything much (the old laptop I'm using is held together with duct tape and is veerrrryyyy sllloooooow...).

    Now, i am being chased for my debts, it's time to face up to the mess that I have made of my life and wipe out the debt and become and stay debt free....
    Last edited by UncannyScot; 21-04-2017 at 9:04 PM.
Page 50
    • UncannyScot
    • By UncannyScot 7th Dec 17, 9:19 PM
    • 899 Posts
    • 5,232 Thanks
    UncannyScot
    Evening

    Well, still fighting the lurgy...
    The Chicken soup helped, though I've done nothing much this evening.
    Watched Captain America: The Winter Soldier and then the latest episode of TBBT...

    Oh, wait, I did do something!
    I added the hops to one of my brews

    Today was an NSD and I've got my spreadsheet / journal updates for 2018 prepared...

    Having a cuppa and catching up on here now... may watch the next Marvel movie in the viewing sequence I have planned... or I might just get to my bed...

    Hope you've all had good days today folks
    BUGGRITMILLENIUMHANDANDSHRIMP I TOLD EM! - Foul Ole Ron
    It is important that we know where we come from, because if you do not know where you come from, then you do not know where you are, and if you don't know where you are, then you don't know where you are going. If you don't know where you're going, you're probably going wrong.
    R.I.P. T.P.
    • Sun Addict
    • By Sun Addict 7th Dec 17, 9:28 PM
    • 4,761 Posts
    • 28,385 Thanks
    Sun Addict
    Boo to the lurgy. Maybe the home brew will see it off this weekend
    Virtual Sealed Pot 2018 £20.70
    December 3 NSD
    Weight loss 2/7lbs
    Mr SA finally in remission December 2013
    • WannabeFree
    • By WannabeFree 7th Dec 17, 10:28 PM
    • 458 Posts
    • 3,126 Thanks
    WannabeFree
    Oh no hope you're feeling better soon ...

    Then you can share spreadsheet secrets with me. I cannot do it and I've given up

    Hope you get a better nights sleep tonight x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • UncannyScot
    • By UncannyScot 7th Dec 17, 10:35 PM
    • 899 Posts
    • 5,232 Thanks
    UncannyScot
    Thanks folks

    Think I'll be heading to bed after this hot toddy

    WannabeFree I will happily share my spreadsheet secrets with you, no problem

    Goodnight good people
    BUGGRITMILLENIUMHANDANDSHRIMP I TOLD EM! - Foul Ole Ron
    It is important that we know where we come from, because if you do not know where you come from, then you do not know where you are, and if you don't know where you are, then you don't know where you are going. If you don't know where you're going, you're probably going wrong.
    R.I.P. T.P.
    • UncannyScot
    • By UncannyScot 8th Dec 17, 8:05 AM
    • 899 Posts
    • 5,232 Thanks
    UncannyScot
    Morning Folks

    Lurgy has now evolved... terrible coughing and aching joints... urrgghh

    However, did get a good sleep last night.

    It's FRIDAY so hoping to kick this annoying lurgy to the kerb over the weekend.

    So far weather wise all we have is icy winds, some folks have had snow but we seem to have missed out again... I want SNOW!!!!

    Have a great day folks
    BUGGRITMILLENIUMHANDANDSHRIMP I TOLD EM! - Foul Ole Ron
    It is important that we know where we come from, because if you do not know where you come from, then you do not know where you are, and if you don't know where you are, then you don't know where you are going. If you don't know where you're going, you're probably going wrong.
    R.I.P. T.P.
    • WannabeFree
    • By WannabeFree 8th Dec 17, 9:21 AM
    • 458 Posts
    • 3,126 Thanks
    WannabeFree
    I'll accept the offer of sharing soup and spreadsheets gratefully ... however you can keep the lurgy I don't want a share of that

    No, seriously hope you're feeling better and have a good day x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • UncannyScot
    • By UncannyScot 8th Dec 17, 11:56 AM
    • 899 Posts
    • 5,232 Thanks
    UncannyScot
    Thanks

    I honestly wouldn't want to share this lurgy with anyone...

    Anything you wanna know about spreadsheets, just ask, I could help you draft up a template workbook to use with all the calculation formulae built in that suits you
    BUGGRITMILLENIUMHANDANDSHRIMP I TOLD EM! - Foul Ole Ron
    It is important that we know where we come from, because if you do not know where you come from, then you do not know where you are, and if you don't know where you are, then you don't know where you are going. If you don't know where you're going, you're probably going wrong.
    R.I.P. T.P.
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 8th Dec 17, 12:02 PM
    • 2,303 Posts
    • 11,255 Thanks
    HairyHandofDartmoor
    Hope you get over the lurgy soon, better now than Christmas day!

    I wish I was good at spreadsheets. I write it all down in the notes section of my tablet and update it every day with an old fashioned calculator .
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt in July 2017 = £58,766 DEBT FREE 31 October 2017
    NEW GOALS - Build an Emergency Fund & Loss of Income Fund
    Emergency Fund 1 = £818/Emergency Fund 2 = £203.76
    • UncannyScot
    • By UncannyScot 8th Dec 17, 12:13 PM
    • 899 Posts
    • 5,232 Thanks
    UncannyScot
    I might, if I can make the time to do it over the coming weekend, write up a tutorial on "how to make your own budget planning spreadsheet"... watch this space

    I am really multi-tasking today, between here and work
    BUGGRITMILLENIUMHANDANDSHRIMP I TOLD EM! - Foul Ole Ron
    It is important that we know where we come from, because if you do not know where you come from, then you do not know where you are, and if you don't know where you are, then you don't know where you are going. If you don't know where you're going, you're probably going wrong.
    R.I.P. T.P.
    • doingitanyway
    • By doingitanyway 8th Dec 17, 1:26 PM
    • 2,221 Posts
    • 10,274 Thanks
    doingitanyway
    I might, if I can make the time to do it over the coming weekend, write up a tutorial on "how to make your own budget planning spreadsheet"... watch this space
    Originally posted by UncannyScot
    Ooh, I am interested. Thank you
    JANUARY 2016/SECURED DEBT=24,822/November 2017=3,475
    MORTGAGE FREE 25/07/16
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 8th Dec 17, 6:46 PM
    • 2,303 Posts
    • 11,255 Thanks
    HairyHandofDartmoor
    I might, if I can make the time to do it over the coming weekend, write up a tutorial on "how to make your own budget planning spreadsheet"... watch this space

    I am really multi-tasking today, between here and work
    Originally posted by UncannyScot
    I'm sure that would help a lot of people US. Have a good evening .
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt in July 2017 = £58,766 DEBT FREE 31 October 2017
    NEW GOALS - Build an Emergency Fund & Loss of Income Fund
    Emergency Fund 1 = £818/Emergency Fund 2 = £203.76
    • UncannyScot
    • By UncannyScot 8th Dec 17, 7:19 PM
    • 899 Posts
    • 5,232 Thanks
    UncannyScot
    Evening Folks

    Despite the lurgy have had a good day at work today.

    I have decided that I will write up a wee tutorial / guide to spreadsheets over the weekend.
    Going to draft it all out first and then I will post it up... Hopefully, it will help folks to get to grips with them so that they can take advantage of them to better manage the pounds n pennies...

    I am also going to edit the one that I use, so as to create a template workbook that may be helpful...

    Tonight, however, is Friday and I am going to kick back, relax, crack a few brews and stick on a DVD... After catching up with you good folks

    Hope you have all had great days today
    BUGGRITMILLENIUMHANDANDSHRIMP I TOLD EM! - Foul Ole Ron
    It is important that we know where we come from, because if you do not know where you come from, then you do not know where you are, and if you don't know where you are, then you don't know where you are going. If you don't know where you're going, you're probably going wrong.
    R.I.P. T.P.
    • Drawingaline
    • By Drawingaline 8th Dec 17, 7:26 PM
    • 218 Posts
    • 854 Thanks
    Drawingaline
    I am awful at spreadsheets. My husband is awesome. I use one as my timesheet, hubby helped me set it up, for one month. The screaming row we had over my complete inability to understand anything he was saying means I am now on my own it has taken a one time, but I am slowly getting better. I await a spreadsheet tutorial
    • DebtFreeDuo
    • By DebtFreeDuo 8th Dec 17, 7:27 PM
    • 633 Posts
    • 3,091 Thanks
    DebtFreeDuo
    What a thoughtful thing to do. I love a good spreadsheet and would be completely lost without mine!
    Loan:1780.49 2207.38 Car Loan:2039.22 2419.64 0% CC:984.98 1063.48 Overdraft: 860 Overpayment:1781 Total: 7445.69 DFD Dec 18
    SPC 586
    • UncannyScot
    • By UncannyScot 9th Dec 17, 11:54 AM
    • 899 Posts
    • 5,232 Thanks
    UncannyScot
    Morning Folks

    Had a good nights sleep and now have a nice but busy day ahead...

    To do's today

    MUST make the mince pies (Wee Mammy's orders )
    Draft up spreadsheet tutorial / guide thingy...
    Some Crimbo shopping...

    Hope everyone has a great day
    ...and to all you lucky folks that have snow, have fun and be careful
    BUGGRITMILLENIUMHANDANDSHRIMP I TOLD EM! - Foul Ole Ron
    It is important that we know where we come from, because if you do not know where you come from, then you do not know where you are, and if you don't know where you are, then you don't know where you are going. If you don't know where you're going, you're probably going wrong.
    R.I.P. T.P.
    • WannabeFree
    • By WannabeFree 9th Dec 17, 4:05 PM
    • 458 Posts
    • 3,126 Thanks
    WannabeFree
    Hope you had a lovely day

    I've been adding Xmas presents to virtual baskets and backing out. I just cannot decide
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • Cumbria lass
    • By Cumbria lass 9th Dec 17, 4:18 PM
    • 915 Posts
    • 4,667 Thanks
    Cumbria lass
    Hope you are feeling better . Homemade mince pies are the best , gluten free ones I haven't the hang of yet, they tasted a bit yuck.

    The spreadsheet thing sounds great , some of us will be very grateful. I am not bad at excel but do struggle.
    Nov 2017 CC1 £3329 CC2 £600

    Debt Free Nov 2019: earlier if I have my way
    • UncannyScot
    • By UncannyScot 9th Dec 17, 10:55 PM
    • 899 Posts
    • 5,232 Thanks
    UncannyScot
    Shiny new FREE Windows 10 :D
    Evening folks

    Sorry, I've been outta the loop today.
    I've been in upgrade hell...

    If any of you were eligible but missed the free upgrade to Windows 10... you can still do it...
    The free upgrade is still available.

    Microsoft are still offering it for free... search Google for "upgrade to Windows 10" and you will find the appropriate links to do so.

    They are offering it free to anyone who uses assistive tech, e.g. magnifier or read aloud etc.
    HOWEVER, there is no check on whether or not you actually use such tech / programmes...

    So, if your still on Windows 7 or 8 and want / need a FREE upgrade to 10... go get it
    However, be prepared, as the upgrade has taken me approx. 6 hours to complete...
    Shiny new OS though

    Note as well, it's only available until end of this year...

    Right then, back to writing up this tutorial...

    Hope everyone has had a grand day today
    BUGGRITMILLENIUMHANDANDSHRIMP I TOLD EM! - Foul Ole Ron
    It is important that we know where we come from, because if you do not know where you come from, then you do not know where you are, and if you don't know where you are, then you don't know where you are going. If you don't know where you're going, you're probably going wrong.
    R.I.P. T.P.
    • Seasidegal58
    • By Seasidegal58 10th Dec 17, 1:02 PM
    • 1,191 Posts
    • 6,706 Thanks
    Seasidegal58
    Hope you’re on the mend Uncanny. That’s really nice of you to create a tutorial. It can be your Xmas gift to the DFWs!:

    I downloaded the free Windows 10 a while back to my laptop. I prefer the old version though. But then I probably don’t use it to it’s full advantage- most of my IT stuff is now done on my iPad or on work PC.

    Don’t eat too many of the finished mince pies!
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Save for New Kitchen!
    My debt free diary - " Paid off the £31,000 - BUT still scrimping!"
    • Scott_Weiland
    • By Scott_Weiland 10th Dec 17, 1:09 PM
    • 661 Posts
    • 1,631 Thanks
    Scott_Weiland
    Hope your on the mend Scotty
    Debts 15981.64 total paid 2078
    Cashback Earnings YTD £167.28 Survey Earnings YTD £570.88
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

3,242Posts Today

7,459Users online

Martin's Twitter