my non-mortgage mortgage free journey

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....................
Monthly Income Details
Monthly income after tax................ 0
Partners monthly income after tax....... 910
Benefits................................ 1098
Other income............................ 0
Total monthly income.................... 2008
Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 150
Management charge (leasehold property).. 0
Council tax............................. 0
Electricity............................. 80
Gas..................................... 0
Oil..................................... 50
Water rates............................. 0
Telephone (land line)................... 45 (this included internet and calls, we don't have much fun things so this is our one vice )
Mobile phone............................ 30 (this will be going come jan as he never uses it, i rarely top mine up and if i do it comes from grocery budget as i normally use the landline)
TV Licence.............................. 0 (don't watch live tv or even have an ariel)
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 200 (some months can be alot less and i clearly overbuy as i have 2 full freezers and bursting cupboards)
Clothing................................ 10 (we really don't need any clothes for a long time, we will use money given as gifts to replace whats needed and the kids get a uniform allowance, i prob don't even spend £120 a year)
Petrol/diesel........................... 130
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 4 (this is snack money for school breaks, it compulsury)
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 0
Life assurance ......................... 0 (we've bene looking into this and will be getting it soon at a cost of £7 a month)
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0 (all gifts are bought for this year next year will have a very small budget)
Haircuts................................ (hubby does his and the kids at home, mine are birthdays and xmas gifts from familya nd trim myself inbetween)
Entertainment........................... 0 (we don't really go out, odd trip to the cinema on a cheapo dela which somes from groceries budget as it only costs £6)
Holiday................................. 0
Emergency fund.......................... 0 (as we have easy access to our savings we can dip in there if we need to)
Total monthly expenses.................. 699

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.................... 2,008
Expenses (including HP & secured debts). 699
Available for debt repayments........... 1,309
Monthly UNsecured debt repayments....... 0
Amount left after debt repayments....... 1,309
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.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission, using IE browser.

ok time to crack on plan for today is...

-meal plan for the week
-wash clothes on eco setting and dry on line
-go to the skip (as you can see we don't pay council tax or rates as it's called here that means i have no bin collection, the main house pays full rates and we can pop a few bags in there bin but they refuse to collect 2 bins per house here, really it's a small price to pay for cheap rent as we will be in town atleats twice a week anyway)

meal plan for the week is as follows

breakfasts

mixture of cereal, toast and muffins

lunch

mon-pizza baps for kids, cheese and ham toastie for me
tue-pasta
wed-lo sheperds pie
thur-noodles
fri-spag on toast
sat-sandwichs
sun-lunch at inlaws

dinner

mon- bacon, mash and beans (had bacon out for yesterdays breakfast but we slept in so now it's dinner, a real throw back to the days when it was just me and hubby and no money, better quality bacon tho
tue-chinese
wed- sheperds pie, carrot and parsnip mash
thur- chicken tom pasta bake
fri- sausages chips and beans for kids, fillet steak and beef sausages (both bought reduced and not enough of there own) for me and hubby with chips and peppercorn sauce
sat- inlaws sometimes feed us on a sat aswell if not pizza and garlic bread.
sun-beans on toast or soup and bread, we're always really full after our sunday dinner

- as you can see we like our meat but do stretch it, sausages are always reduced, mince it stretched with veg, and we buy good chicken breasts with no added water that are massive which means 2 does all 5 of us.

snacks are from af or on offer.

I buy alot of fruit but i don't need any tis week, i have lots of oranges and apples i got reduced while playing taxi to my mum last week, and i got 2 melons for £2 from lidls offers last week i make them have some fruit at breakfast and lunch the rest of teh tim ethey help themselves, all our veg is usually frozen except cabbage and carrots (which are bought sliced then frozen)