My 2009 Diary

get_me_debt_free · 10 February 2009 at 11:39PM

Thanks
I wanna see Bolt!! its ment to be ace on 3D!!
Had NSD today and thats my 4th this month, Whoop Im hoping that i will get throught this month with out spending !!!!!! all!! Horse needs food and a lick so thats £10 tomorrow!!
DD will have to use her pocket money as its her pony!!
teaching them the value of money!! I am up for that!!
Have a good time and let me know what the film is like xx

mum2one · 11 February 2009 at 1:10AM

Lucky you haveing a horse, I love them and dd does, but she has her moments........
A couple of yrs ago we were up on Dartmoor, and she brought a stuffed pony toy, the lady at the till said to dd you like horses then, (dd would not let this toy out of her hands), dd replied, yes I do, but only when they win..otherwise dadda (calls my dad dadda, gets as few looks as hes 70!), moans he lost money.
God did I wish the ground opened.

Its the 3D version, got a orange sim card put £5 credit on last yr, just to use for cinema.
Your doing well with the NSD, I'm aiminf for 15 NSD this month.... x

get_me_debt_free · 16 February 2009 at 8:31PM

Spent loads today-
Cinema £23
Mac D's £14
Aldi £70
Tesco £25
sure Aldi has gone expensive!! wished id done it all in Tesco.. but did have the kids with me!!
I have a awfull cold.. feel rotten.. and sad to say i miss work...
hope your all ok. xx

get_me_debt_free · 17 February 2009 at 3:11PM

Not Happy... still no money... what am i going to do if i cant pay my bills,,

mum2one · 18 February 2009 at 1:05AM

Hope ur feeling better, its bad enuf haveing a cold, but if uve got half term as well, that doesn't help.
I know it sounds daft, but dont worry about the bils yet, thou I know its easier said than done. When u were at the job centre, did they say how long it would be before they got any money sorted. The first thing Id do in the morning is give them a ring, they should of given u the dates, have as much info to hand as possible, dates contacted them, names of who u spoke to (if u have them) and dates youve been in.

inbetween times if you have any bills due, give the company a ring, as long as you keep them informed, there be fine, just say there was an error and ur have it by xx.
Youve got the shopping, so thats one less thing to woory about. I know its easier for me to sit here and say dont worry, but as I've said b4, just shout if I can help at all xx

get_me_debt_free · 22 February 2009 at 12:12AM

Thanks mum2one, I have had a loverly day today I finally painted the shed. I bought the paint last year!! so kids helpped too, dad finished my veg area, just got to fill it now with soil!! and plants... bit soon yet tho.
I get my first IS on 27th feb, I have had a letter for Free school meals and i owe 55 for my council tax,i manage to ask the gas people to just take £40 a month till im sorted, electric people taking £36, Mortgage is dur 1st of the month,long as i have that i will be happy, our town is slowly dying, another firm went last week 80 more jobs gone!
How is lil one... any better??

get_me_debt_free · 22 February 2009 at 12:58PM

Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 1
Number of children in household......... 2
Number of cars owned.................... 1
Monthly Income Details
Monthly income after tax................ 0
Partners monthly income after tax....... 0
Benefits................................ 720
Other income............................ 268
Total monthly income.................... 988
Monthly Expense Details
Mortgage................................ 400
Secured loan repayments................. 0
Hire Purchase (HP) repayments........... 0
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax............................. 0
Electricity............................. 36
Gas..................................... 40
Oil..................................... 0
Water rates............................. 18
Telephone (land line)................... 25
Mobile phone............................ 35
TV Licence.............................. 12
Satellite/Cable TV...................... 4
Internet Services....................... 15
Groceries etc. ......................... 100
Clothing................................ 0
Petrol/diesel........................... 60
Road tax................................ 10
Car Insurance........................... 30
Car maintenance (including MOT)......... 10
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 25
Buildings insurance..................... 7
Contents insurance...................... 7
Life assurance ......................... 27
Other insurance......................... 13
Presents (birthday, christmas etc)...... 0
Haircuts................................ 0
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 874

Assets
Cash.................................... 0
House value (Gross)..................... 120000
Shares and bonds........................ 0
Car(s).................................. 1000
Other assets............................ 0
Total Assets............................ 121000

Secured & HP Debts
Description....................Debt......Monthly...APR
Mortgage...................... 112000...(400)......0
Total secured & HP debts...... 112000....-.........-
Unsecured Debts
Description....................Debt......Monthly...APR
Virgin cc......................1735......25........0
Tesco..........................1890......56........0
Barclay........................1897......46........0
Cap One........................777.......23........0
HSBC...........................1938......50........0
Total unsecured debts..........8237......200.......-

Monthly Budget Summary
Total monthly income.................... 988
Expenses (including HP & secured debts). 874
Available for debt repayments........... 114
Monthly UNsecured debt repayments....... 200
Amount short for making debt repayments. -86
Personal Balance Sheet Summary
Total assets (things you own)........... 121,000
Total HP & Secured debt................. -112,000
Total Unsecured debt.................... -8,237
Net Assets.............................. 763
Created using the SOA calculator at www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission, using IE browser.

get_me_debt_free · 8 June 2009 at 8:22PM

Hi Guys
I start Work Tomorrow YIPPEEEEE,
Here is my new SOA
Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 1
Number of children in household......... 2
Number of cars owned.................... 1
Monthly Income Details
Monthly income after tax................ 684
Partners monthly income after tax....... 0
Benefits................................ 952.8
Other income............................ 224
Total monthly income.................... 1860.8
Monthly Expense Details
Mortgage................................ 380
Secured/HP loan repayments.............. 0
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax............................. 58
Electricity............................. 35
Gas..................................... 40
Oil..................................... 0
Water rates............................. 18
Telephone (land line)................... 13
Mobile phone............................ 35
TV Licence.............................. 12
Satellite/Cable TV...................... 16
Internet Services....................... 15
Groceries etc. ......................... 150
Clothing................................ 25
Petrol/diesel........................... 80
Road tax................................ 12
Car Insurance........................... 20
Car maintenance (including MOT)......... 5
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 38
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 20
Buildings insurance..................... 6
Contents insurance...................... 6
Life assurance ......................... 27
Other insurance......................... 13
Presents (birthday, christmas etc)...... 10
Haircuts................................ 30
Entertainment........................... 50
Holiday................................. 50
Emergency fund.......................... 0
Total monthly expenses.................. 1164

Assets
Cash.................................... 0
House value (Gross)..................... 120000
Shares and bonds........................ 0
Car(s).................................. 800
Other assets............................ 0
Total Assets............................ 120800

Secured & HP Debts
Description....................Debt......Monthly...APR
Mortgage...................... 112000...(380)......3.8
Total secured & HP debts...... 112000....-.........-
Unsecured Debts
Description....................Debt......Monthly...APR
abbey..........................1720......50........0
virgin.........................2523......25........0
barclay........................3423......50........0
Total unsecured debts..........7666......125.......-

Monthly Budget Summary
Total monthly income.................... 1,860.8
Expenses (including HP & secured debts). 1,164
Available for debt repayments........... 696.8
Monthly UNsecured debt repayments....... 125
Amount left after debt repayments....... 571.8
Personal Balance Sheet Summary
Total assets (things you own)........... 120,800
Total HP & Secured debt................. -112,000
Total Unsecured debt.................... -7,666
Net Assets.............................. 1,134
Created using the SOA calculator at www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission, using IE browser.

Looks like I can now start sorting my debts...
Anyone got any tips for starting work and any comments on my SOA?
X

My 2009 Diary

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