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  • FIRST POST
    • SueP19
    • By SueP19 9th Dec 15, 2:09 PM
    • 1,697Posts
    • 14,450Thanks
    SueP19
    The Spreadsheet Diva's MF Diary
    • #1
    • 9th Dec 15, 2:09 PM
    The Spreadsheet Diva's MF Diary 9th Dec 15 at 2:09 PM
    Hey I'm here, can't flippin believe I am to be honest.................should I be here, am I deluding myself, will you all point and say NOOOOOO go away you should be in the debt section.

    Well on paper my biggest debt and highest interest rate is my mortgage, so maybe I should be here and maybe it's a state of mind thingy.

    Ok do you want my background, does anyone read that bit or do you skim it, pick the highlighted juicy bits???

    50 next year, married 27 years, DD of 24 just flying nest.

    Debt years 27, struggling years 27, saving years 0 oh bum I need to work at this savings bit.

    In other words I am your typical working mum, spends what she gets, doesn't have lots of luxuries, feels as though she has been cheated as she didn't sign up for this life of gruel.

    On the up side I always believe life will get better.

    Day 1: SOA check (see below)

    I thought of waiting till 1st of Jan but you know that doesn't really work, you just end up beating your self with a huge stick because you fail, so I am starting today. You see we went to a funeral yesterday, fabulous lady that died, lived a full happy life God bless her but you start to think......................what have I done, where am I going. Does the last 27 years have to carry on the same. So in writing this I hope I am going to break the cycle and spend my next 27 years happy, during the journey I will let you in on my life but to be honest if I wrote it all down now in this post you would be needing s**nsburys entire supply of tissues and a swimming pool to catch them in, lets just say if it's gonna go wrong it will.

    Statement of Affairs and Personal Balance Sheet

    Household Information
    Number of adults in household........... 2
    Number of children in household......... 0
    Number of cars owned.................... 2

    Monthly Income Details
    Monthly income after tax................ 1236
    Partners monthly income after tax....... 2177 this is pro rata over year and can vary wildly
    Benefits................................ 0
    Other income............................ 0
    Total monthly income.................... 3413

    Monthly Expense Details
    Mortgage................................ 442
    Secured/HP loan repayments.............. 0
    Rent.................................... 0
    Management charge (leasehold property).. 0
    Council tax............................. 130
    Electricity............................. 60
    Gas..................................... 81
    Oil..................................... 0
    Water rates............................. 25
    Telephone (land line)................... 15
    Mobile phone............................ 80
    TV Licence.............................. 12
    Satellite/Cable TV...................... 51
    Internet Services....................... 8
    Groceries etc. ......................... 475
    Clothing................................ 30
    Petrol/diesel........................... 280
    Road tax................................ 39
    Car Insurance........................... 42
    Car maintenance (including MOT)......... 30
    Car parking............................. 0
    Other travel............................ 0
    Childcare/nursery....................... 0
    Other child related expenses............ 0
    Medical (prescriptions, dentist etc).... 16
    Pet insurance/vet bills................. 0
    Buildings insurance..................... 26
    Contents insurance...................... 0
    Life assurance ......................... 0
    Other insurance......................... 6
    Presents (birthday, christmas etc)...... 30
    Haircuts................................ 12
    Entertainment........................... 0
    Holiday................................. 30
    Emergency fund.......................... 0
    Subscription............................ 44
    Cigarettes................................390
    Lottery.....................................35
    Total monthly expenses.................. 2389


    Assets
    Cash.................................... 300
    House value (Gross)..................... 110000
    Shares and bonds........................ 0
    Car(s).................................. 5000
    Other assets............................ 0
    Total Assets............................ 115300


    Secured & HP Debts
    Description....................Debt......Monthly.. .APR
    Mortgage...................... 75353....(442)......2.49
    Total secured & HP debts...... 75353.....-.........-

    Unsecured Debts
    Description....................Debt......Monthly.. .APR
    m1.............................2300......39....... .0
    m2.............................2700......46....... .0
    c1.............................1884......25....... .0
    q1.............................1255......25....... .0
    s1.............................410.......10....... .0
    Total unsecured debts..........8549......145.......-


    Monthly Budget Summary
    Total monthly income.................... 3,413
    Expenses (including HP & secured debts). 2,389
    Available for debt repayments........... 1024
    Monthly UNsecured debt repayments....... 145
    Amount left after debt repayments....... 879

    Personal Balance Sheet Summary
    Total assets (things you own)........... 115,300
    Total HP & Secured debt................. -75,353
    Total Unsecured debt.................... -8,549
    Net Assets.............................. 31,398

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

    Bye for now
    Last edited by SueP19; 10-12-2015 at 10:49 AM.
    MFiT-T4 #57 £300/£20,000 MFW 2016 #53 £300/£4,800
    Mort Oct 15 £70,353 £66,422 MF Dec 31 Jun 31(191 176 mnths)
    EF 2016 £700/£1,000 Debt May 09 £30,217Jan 16 £17,734
    Tilly Tidy #1 £50.55/£250
Page 35
    • SueP19
    • By SueP19 27th May 16, 10:11 AM
    • 1,697 Posts
    • 14,450 Thanks
    SueP19
    I've just spent the last two nights reading your diary from the start, and just finished the last 10 pages now.

    Wow! You've had some tough times over the years, and plenty of challenges more recently what with DD, OH and work as well as the usual car/pet/house issues! I started my own diary the other week (which I need to update myself once I've posted here) and have been reading a few to get some inspiration, motivation and ideas...I certainly found it here. I've chuckled, had tears prickling my eyes and rolling down my cheeks, I've ooh-ed and ahh-ed reading your diary. If I had a hat I'd take it off to you Sue.

    We very luckily have no debt (I try not to class the mortgage as a debt, more as an essential thing lots of people have to have!) and but there are 2 DDs so I totally get the wanting to look out for/protect/help you give your DD (mine are only 8 and 11 so fortunately haven't had to deal with money or job issues yet phew - plenty of time yet for that though hehe)

    I'm a Lincolnshire girl too, Lincoln itself actually, so if you give me a heads up on any up-coming local fairs you'll be at I'll try and pop over if I'm free to say hello and admire your bears

    Hope you have a fab holiday, sounds like it's just what you need. Will save all the other things that have been running through my head about your diary for when you're back from your hols otherwise this could turn into a mammoth post! I will add though that your work colleague sounds an absolute 'idiot' for want of a better word. I tend to find when I've had someone similar in my life that it's usually down to jealousy or covering up their own uselessness or inability to do the job right!

    If I ever feel like the whole OP is too much of a faff or not worth it, or I'm losing my mojo I'll pop over here, have a read and give myself a strong talking to, because if you can do with this with everything that's been thrown at you then I can bl00dy well do it too!!

    Hope you have a fab holiday, sounds like it's just what you need xx
    Originally posted by cat04
    Hiya....................you go for it, just remember it's a marathon not a sprint x
    (off to find your diary)
    MFiT-T4 #57 £300/£20,000 MFW 2016 #53 £300/£4,800
    Mort Oct 15 £70,353 £66,422 MF Dec 31 Jun 31(191 176 mnths)
    EF 2016 £700/£1,000 Debt May 09 £30,217Jan 16 £17,734
    Tilly Tidy #1 £50.55/£250
    • LadyGnome
    • By LadyGnome 27th May 16, 12:02 PM
    • 265 Posts
    • 962 Thanks
    LadyGnome
    Wow Sue
    Great progress. I think half the battle is getting our thoughts and priorities in order. Brilliant news about your DD too. I am glad you spoke to your OH about your feelings. If he is anything like Mr Gnome was at his worst history constantly got rewritten in his head to make him the victim which I had to push back (not aggressively just in a that's not how I see it / I am not responsible for that way)
    The walking challenge sounds fab.
    Mortgage
    Start Nov 2012 £310,000
    Sept 2016 £261,420
    Reduction £48,580
    OP 2016 £2566.05/£3100
    End Oct 2034 but I have a cunning plan...
    • SueP19
    • By SueP19 27th May 16, 12:16 PM
    • 1,697 Posts
    • 14,450 Thanks
    SueP19
    Yes I sometimes wonder if OH and I are on the same planet, I begin doubting myself until he goes too far, which then reminds me he is ill not me.

    I like to think I have made progress albeit a mental one
    MFiT-T4 #57 £300/£20,000 MFW 2016 #53 £300/£4,800
    Mort Oct 15 £70,353 £66,422 MF Dec 31 Jun 31(191 176 mnths)
    EF 2016 £700/£1,000 Debt May 09 £30,217Jan 16 £17,734
    Tilly Tidy #1 £50.55/£250
    • Kittenkirst
    • By Kittenkirst 30th May 16, 7:44 AM
    • 841 Posts
    • 3,749 Thanks
    Kittenkirst
    You definitely have made progress SuePvand good luck with the walking challenge- fab to have something to push & motivate you
    Emergency savings- £701.54 /£1000
    Mortgage Oct '16- £170.995 LTV- 90%
    2016 OP target- £15.06 / £150 -
    Mortgage end date- Nov '41

    NST: 42
    • A Frayed Knot
    • By A Frayed Knot 2nd Jul 16, 9:15 PM
    • 1,742 Posts
    • 7,989 Thanks
    A Frayed Knot
    Hi Sue,

    As my optician says . . . . Long time, no see

    " I came across a faceache group where they aim to walk 1000 miles this year, it is run by the Country Walking editor, so I joined and am on 110 miles so far........................

    How's your challenge doing ? Walked your hind legs off yet

    Financial news.................. so the plan is to eliminate that by 1st July "

    Hope your well and keeping busy with the bears Would be good to hear from you.



    Always have 00.00 at the end of your mortgage balance and someday it will all be 0's
    MFMarch 30 Re/M Oct 23 Target -Dec 19
    o/p 2014/£4000, 2015/£6294.69 MFW2016 #27 £3101.03/£3000
    £1000/£1000 51.44/33.29=84.73
    • A Frayed Knot
    • By A Frayed Knot 3rd Jul 16, 1:11 PM
    • 1,742 Posts
    • 7,989 Thanks
    A Frayed Knot
    Hi Sue

    hope you've been down to your local @ldi's store, they have your favourite in melon 59p each
    Always have 00.00 at the end of your mortgage balance and someday it will all be 0's
    MFMarch 30 Re/M Oct 23 Target -Dec 19
    o/p 2014/£4000, 2015/£6294.69 MFW2016 #27 £3101.03/£3000
    £1000/£1000 51.44/33.29=84.73
    • A Frayed Knot
    • By A Frayed Knot 2nd Aug 16, 7:03 PM
    • 1,742 Posts
    • 7,989 Thanks
    A Frayed Knot
    Hi Sue

    Long time - no hear Hope things are going all right and you are well.

    Let us know how your doing.
    Always have 00.00 at the end of your mortgage balance and someday it will all be 0's
    MFMarch 30 Re/M Oct 23 Target -Dec 19
    o/p 2014/£4000, 2015/£6294.69 MFW2016 #27 £3101.03/£3000
    £1000/£1000 51.44/33.29=84.73
    • A Frayed Knot
    • By A Frayed Knot 1st Oct 16, 2:51 PM
    • 1,742 Posts
    • 7,989 Thanks
    A Frayed Knot
    Hi Sue

    Missing your posts and chat, would be nice to hear your updates. Hope everything is well with you.

    Hope its not easter before we hear from you again
    Last edited by A Frayed Knot; 01-10-2016 at 2:58 PM.
    Always have 00.00 at the end of your mortgage balance and someday it will all be 0's
    MFMarch 30 Re/M Oct 23 Target -Dec 19
    o/p 2014/£4000, 2015/£6294.69 MFW2016 #27 £3101.03/£3000
    £1000/£1000 51.44/33.29=84.73
    • SueP19
    • By SueP19 17th Oct 16, 4:42 PM
    • 1,697 Posts
    • 14,450 Thanks
    SueP19
    Wow well it's been a long time................thanks to A Frayed Knot for enticing me back.

    Lots happened and lots not happened...........drama's a plenty

    Hope you are all ok I missed you all.

    Will play catch up next few days but in a nut shell.

    Mortgage op's £0

    Money Saved £0

    DD getting a job Yes

    Still married Yes

    OH still ill Yes



    xxxx
    MFiT-T4 #57 £300/£20,000 MFW 2016 #53 £300/£4,800
    Mort Oct 15 £70,353 £66,422 MF Dec 31 Jun 31(191 176 mnths)
    EF 2016 £700/£1,000 Debt May 09 £30,217Jan 16 £17,734
    Tilly Tidy #1 £50.55/£250
    • mrsp1987
    • By mrsp1987 17th Oct 16, 6:41 PM
    • 781 Posts
    • 3,751 Thanks
    mrsp1987
    Glad to see you back xx
    Mortgage April 2011: £108,499 30 yr term Current Mortgage £96,211.87 20 yrs 10 months left
    O/P Fund: £2,336.81/£1,000
    Tilly Tidy #11: I've completely lost count!!
    MFiT T4 #67 - Reduce mortgage from £99,310.76 to £80,000. Currently £95,166.53
    • SueP19
    • By SueP19 17th Oct 16, 6:56 PM
    • 1,697 Posts
    • 14,450 Thanks
    SueP19
    Glad to be back lolol

    Had a bit of a scare this summer and 2016 is turning into a light bulb year
    MFiT-T4 #57 £300/£20,000 MFW 2016 #53 £300/£4,800
    Mort Oct 15 £70,353 £66,422 MF Dec 31 Jun 31(191 176 mnths)
    EF 2016 £700/£1,000 Debt May 09 £30,217Jan 16 £17,734
    Tilly Tidy #1 £50.55/£250
    • Kittenkirst
    • By Kittenkirst 17th Oct 16, 7:31 PM
    • 841 Posts
    • 3,749 Thanks
    Kittenkirst
    Yay welcome back SueP!!

    Sorry to hear about the scare you've had this year though x
    Emergency savings- £701.54 /£1000
    Mortgage Oct '16- £170.995 LTV- 90%
    2016 OP target- £15.06 / £150 -
    Mortgage end date- Nov '41

    NST: 42
    • SueP19
    • By SueP19 17th Oct 16, 7:55 PM
    • 1,697 Posts
    • 14,450 Thanks
    SueP19
    Gory details tomorrow lolol xx
    MFiT-T4 #57 £300/£20,000 MFW 2016 #53 £300/£4,800
    Mort Oct 15 £70,353 £66,422 MF Dec 31 Jun 31(191 176 mnths)
    EF 2016 £700/£1,000 Debt May 09 £30,217Jan 16 £17,734
    Tilly Tidy #1 £50.55/£250
    • PrincessLou
    • By PrincessLou 17th Oct 16, 8:43 PM
    • 461 Posts
    • 1,755 Thanks
    PrincessLou
    Yay! You're back!
    Mortgage - £112,900
    • Moneyfordreams
    • By Moneyfordreams 17th Oct 16, 9:27 PM
    • 645 Posts
    • 3,044 Thanks
    Moneyfordreams
    Welcome back
    Mortgage Feb '13 £200000, end 2038. Aiming for before March 2025 (crunched to 2034)
    January 16 £182800 : minimum £360 OP but needs to be £600 to achieve 2025
    Current mortgage £168060
    Car loan finished oct 16
    h@lifax CC £5360 0% until May 2018.. will pay minimum for now, slow stooze
    • AlexLK
    • By AlexLK 17th Oct 16, 11:22 PM
    • 5,121 Posts
    • 25,854 Thanks
    AlexLK
    Glad to hear you're back, Sue.
    Savings 2016: £9,790.
    £32,000 in debt on 2/9/2013. Debt free on 12/1/2015.
    Saved £11,000 in 2015.

    • A Frayed Knot
    • By A Frayed Knot 18th Oct 16, 12:59 AM
    • 1,742 Posts
    • 7,989 Thanks
    A Frayed Knot
    You have plenty of friends on here, looks like I wasn't the only one missing you

    Welcome back . . . . . . . . .
    Always have 00.00 at the end of your mortgage balance and someday it will all be 0's
    MFMarch 30 Re/M Oct 23 Target -Dec 19
    o/p 2014/£4000, 2015/£6294.69 MFW2016 #27 £3101.03/£3000
    £1000/£1000 51.44/33.29=84.73
    • SueP19
    • By SueP19 18th Oct 16, 10:05 AM
    • 1,697 Posts
    • 14,450 Thanks
    SueP19
    Well I have to say it's a lovely surprise and for one who is suffering "worthlessness" a real heart warming boost to know some of you missed me. I missed you all too, there is a lot to be said for anonymous posting

    I stopped posting for a number of reasons

    I felt that my posts were always negative and I wanted to inspire people that life wasn't always terrible and despite suffering a lifetime of debt you could do this, after all if I could do it anyone could. With DD losing her job then having to walk away from job 2 this really put the pressure on an already overloaded me..................I got myself into the world of constant self attack mode and this was being seen in my postings.

    DD did get job no 3 and although its a lot less salary it's a far better job.

    During the summer, 25th July to exact, I woke to being blind in one eye, my central vision was completely blurred and dark, over the next few days that changed to include sparkly lights, not migraine flashes or blood pressure ones but like a mass of electric eels writhing around. I found it very difficult to operate, my eyes were used to working together, the strain on my good eye was horrendous. After a few days I went to the opticians and went straight to hospital for tests. They found nothing wrong with my eye itself and declared it was in my brain

    Resulting MRI and tests couldn't find anything and they were quite nasty because I wanted to talk about the possibility of MS, not that I was panic stricken I just needed to know my odds for forward planning. They dismissed me as being hysterical, work was no better and I was told "I was making a big deal over nothing when other people here had proper health issues to worry over" OH didn't mention it at all...................he said "you know I hate hospitals and stuff" .................So high and dry with no support, yet again. I did pin OH down in the end and he did say he just didn't want to make me worry more, I said well your lack interest comes across as uncaring!!!

    My eyesight did come back slowly and my GP put things very well "most people with MS start with an optical nerve disturbance but not all people who have an optical nerve disturbance develop MS" .....perfect, exactly what I wanted.

    I can plan just in case.

    2016 has been the year for big moments starting with op my mortgage, then came walking (not going to hit 1000 miles but hey who gives a ) then came bullet journal, just brilliant. Next up was KM'ing, a slow process but that's not a race either.

    Last but not least is YNAB, only been using it a few weeks so early days...............got to watch the youtube things I think as I'm trying to fit my old ways into it so am missing the point a bit

    How have you all been......................good I hope. I hope life has been kind to you.

    I turned 50 last week and having spent the day crying for the life that I have had and the life I should have had, I grasped the mettle and decided I am not single handedly responsible for lifes problems, I can only do what I can and I am human, if I don't forgive me then other won't
    Last edited by SueP19; 18-10-2016 at 10:11 AM.
    MFiT-T4 #57 £300/£20,000 MFW 2016 #53 £300/£4,800
    Mort Oct 15 £70,353 £66,422 MF Dec 31 Jun 31(191 176 mnths)
    EF 2016 £700/£1,000 Debt May 09 £30,217Jan 16 £17,734
    Tilly Tidy #1 £50.55/£250
    • misscousinitt
    • By misscousinitt 18th Oct 16, 3:02 PM
    • 3,363 Posts
    • 18,958 Thanks
    misscousinitt
    Sue I am glad you are back.

    What a rough time you have had.

    You know that you can moan as much as you like - I certainly do!

    Hope things are on the up for you. As you say, it's a marathon, not a sprint - take it one step at a time and I am sure it will al come right for you.

    Take care.

    MCI
    Mortgage Free x 1 03.11.2012 - House rented out Feb 2016
    Mortgage No 2: £99,090.90 (08.11.2016)
    OP's to Date £2000

    Renovation Fund:£944.75; Kitchen Fund (including re-wiring): £notalotleft; Roof Fund £5000.00
    Nectar Points Balance: £35.49
    • SueP19
    • By SueP19 18th Oct 16, 3:14 PM
    • 1,697 Posts
    • 14,450 Thanks
    SueP19
    Thanks, I always seem to be having it rough lolol .................


    .................I was so Genghis Khan in a former life
    MFiT-T4 #57 £300/£20,000 MFW 2016 #53 £300/£4,800
    Mort Oct 15 £70,353 £66,422 MF Dec 31 Jun 31(191 176 mnths)
    EF 2016 £700/£1,000 Debt May 09 £30,217Jan 16 £17,734
    Tilly Tidy #1 £50.55/£250
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