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  • FIRST POST
    • wellylass89
    • By wellylass89 18th Dec 16, 8:32 AM
    • 299Posts
    • 367Thanks
    wellylass89
    New place, fresh start..
    • #1
    • 18th Dec 16, 8:32 AM
    New place, fresh start.. 18th Dec 16 at 8:32 AM
    Hello all

    I've decided to start a new diary catch up on my old musings here:
    http://forums.moneysavingexpert.com/showthread.php?t=5485047

    I've just moved into a place of my own after a crazy year, relationship breakdown, moving back to my home area, getting a new full time job.

    I'm still in debt but more determined to clear it than ever, I feel like having my own place and to a point being in control of most things will help. I can batch cook, use the slow cooker to it's full potential!!

    Anyway off to complete my SOA and will post it here..

    Feeling positive..

    Welly x
Page 3
    • Jacko_amz
    • By Jacko_amz 6th Mar 17, 8:20 PM
    • 250 Posts
    • 301 Thanks
    Jacko_amz
    I am the same Wellylass i have days when i feel on top of the world and loving life! then i have a day where i feel so lonely and lost

    You will get there though, well done on £400 off a CC that is fab!
    Learning to be alone and that its ok!


    Tesco Loan - 10600
    • wellylass89
    • By wellylass89 7th Mar 17, 10:48 AM
    • 299 Posts
    • 367 Thanks
    wellylass89
    I am the same Wellylass i have days when i feel on top of the world and loving life! then i have a day where i feel so lonely and lost

    You will get there though, well done on £400 off a CC that is fab!
    Originally posted by Jacko_amz
    Thanks Jacko.. Hope your ok? I'm glad I'm not alone although it's not a nice feeling! It's so strange as I'm quite happy with my own company, I do my own thing.. it just seems to be having someone who got all of me if you get it.. guess it leaves a void, we were so alike and just got each other. It's a shame but sometimes it's just not meant to be.

    Yeah I'll be buzzing if I can get that much paid off, my mate paid off next month then I might feel like I'm getting somewhere

    On my first of 3 days off... have had a lie in, woke up with a killer headache just had breakfast which has helped.

    It's a glorious day so have done a few loads of washing and am going to go for a walk then I'm going to have a sort out of some stuff and have a good clear out

    Welly x
    • wellylass89
    • By wellylass89 7th Mar 17, 8:11 PM
    • 299 Posts
    • 367 Thanks
    wellylass89
    Statement of Affairs and Personal Balance Sheet

    Household Information

    Number of adults in household........... 1
    Number of children in household.........
    Number of cars owned.................... 1

    Monthly Income Details

    Monthly income after tax................ 1150
    Partners monthly income after tax....... 0
    Benefits................................ 0
    Other income............................ 0
    Total monthly income.................... 1150


    Monthly Expense Details

    Mortgage................................ 0
    Secured/HP loan repayments.............. 0
    Rent.................................... 450
    Management charge (leasehold property).. 0
    Council tax............................. 77
    Electricity............................. 25
    Gas..................................... 0
    Oil..................................... 30
    Water rates............................. 15.7
    Telephone (land line)................... 0
    Mobile phone............................ 29.8
    TV Licence.............................. 29.1
    Satellite/Cable TV...................... 0
    Internet Services....................... 20
    Groceries etc. ......................... 70
    Clothing................................ 0
    Petrol/diesel........................... 50
    Road tax................................ 16.18
    Car Insurance........................... 49.52
    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................. 0
    Buildings insurance..................... 0
    Contents insurance...................... 6
    Life assurance ......................... 0
    Other insurance......................... 0
    Presents (birthday, christmas etc)...... 10
    Haircuts................................ 0
    Entertainment........................... 0
    Holiday................................. 0
    Emergency fund.......................... 10
    Bank fee ............................... 3
    Gym..................................... 36
    Total monthly expenses.................. 937.3



    Assets

    Cash.................................... 0
    House value (Gross)..................... 0
    Shares and bonds........................ 0
    Car(s).................................. 500
    Other assets............................ 0
    Total Assets............................ 500


    No Secured nor Hire Purchase Debts


    Unsecured Debts
    Description....................Debt......Monthly.. .APR
    Tesco..........................1216.22...25....... .NaN
    Halifax .......................750.......21.65.....NaN
    Halifax O/D....................750.......10........0
    Total unsecured debts..........2716.22...56.65.....-



    Monthly Budget Summary

    Total monthly income.................... 1,150
    Expenses (including HP & secured debts). 937.3
    Available for debt repayments........... 212.7
    Monthly UNsecured debt repayments....... 56.65
    Amount left after debt repayments....... 156.05


    Personal Balance Sheet Summary
    Total assets (things you own)........... 500
    Total HP & Secured debt................. -0
    Total Unsecured debt.................... -2,716.22
    Net Assets.............................. -2,216.22


    Created using the SOA calculator at www.stoozing.com.
    Reproduced on Moneysavingexpert with permission, using other browser.
    • wellylass89
    • By wellylass89 7th Mar 17, 8:15 PM
    • 299 Posts
    • 367 Thanks
    wellylass89
    Updated my SOA, doesn't leave much left over every month. Desperately need to find another job but finding something to fit in around my silly shifts is really annoying. Oh well least when I find something my bills won't go up as I'll never be here!

    The stark reality I'm never going to be able to afford to buy a house..
    • sauceoclock
    • By sauceoclock 15th Mar 17, 2:11 PM
    • 760 Posts
    • 692 Thanks
    sauceoclock
    Hope you're getting on ok! xxxx
    Loan (overpaying): £3,600 £3,093.60
    Car Insurance: £550.82 £410.82
    Credit Card: £781
    Car PCP: £11,450 £10,665.54
    • wellylass89
    • By wellylass89 20th Mar 17, 7:35 PM
    • 299 Posts
    • 367 Thanks
    wellylass89
    Thanks Sauce.. Just been busy busy at work.. have got 2 more days in then I'm off for 26.. off lambing for 2 weeks from the first of April which I'm really looking forward too.. Nothing much to report on the debt front..

    Hoping I can pay £300 off at the end of the month although probably be less as ball joint is knocking on the car... Always something!!

    Welly x
    • wellylass89
    • By wellylass89 22nd Apr 17, 10:27 AM
    • 299 Posts
    • 367 Thanks
    wellylass89
    Hello everyone sorry I have been MIA was busy lambing then been working and well not alot else really!!

    So since last month, the £400 I was going to pay off the card ended up being £200 I didn't want to leave myself short if anything unexpected came up. So hoping to pay off another £200 and the end of this month maybe more?

    I have paid back two friends one who helped with my deposit here that was £440 and another mate £100 who I had owed for a little while.

    My total debt as of now all together is:
    £4551
    that's down £879 ish since I started this diary in December last year which isn't too shabby!!

    Hope you all have a good weekend!

    Welly x
    • louby40
    • By louby40 22nd Apr 17, 1:59 PM
    • 1,083 Posts
    • 3,011 Thanks
    louby40
    Welly lovely to see you posting. Your debt is down so that's a fabulous achievement!

    Do you do any surveys or anything? That can generate a bit of extra money or vouchers which all helps. I do this postal thing where I recieve letters that I send back, I get £5 a month or so for doing that, not a lot but it's better than nothing. YouGov give you £50 once you get to 5000 points, again it can take 9 months or so to get there but it's easy to do.
    Parent loan PAID IN FULL Sealed Pot Challenge 10 #572
    Emergency fund £100/£1000. Christmas savings £400/£600 Car maintenance £100/600
    Kitchen July £12,493 OCT £10,993. 12% paid off
    Barclaycard £389
    Car loan £3084 Mortgage £95,807
    TOTAL DEBT = £110,273
    • wellylass89
    • By wellylass89 4th May 17, 11:53 AM
    • 299 Posts
    • 367 Thanks
    wellylass89
    Hello Louby, thanks for the reply sorry it's taken me so long to write again was going to the other day but got distracted..

    No I don't do surveys or anything I should look into these things.. this month is going to be really tight, I need to find ways of making a bit extra or something. My new hours will be better at work so more days off to do other stuff and 4 more hours every other weekend on weekend pay so that will make a little bit of difference.

    I just want rid of my debt, I keep looking at my spreadsheet trying to find ways to cut down but I can't.. the house bills are all as low as I can get them.. any ideas welcome..

    Welly x
    • wellylass89
    • By wellylass89 12th May 17, 3:31 PM
    • 299 Posts
    • 367 Thanks
    wellylass89
    Well I've not had a great few weeks, ended up in A&E last Thursday with terrible abdo pain, they gave me painkillers and discharged me.. I managed the night but was in absolute agony, I went to the GP Friday morning and got admitted to hospital via the GP.

    I spent 4 nights in hospital off my face on morphine and a cocktail of other drugs, had a CT scan Saturday which revealed some tiny kidney stones in my right kidney.

    They tried to tell me this was the cause of my pain (I understand how painful they are) however the pain I have is in my lower left side. The pain never really went in spite of the drugs and me complaining crying and begging them to do and ultrasound they discharged me on Wednesday morning, with an outpatients ultrasound appointment.

    Luckily the ultrasound appointment was yesterday and I got the results from the doctor afterwards fortunately/unfortunately it was completely clear which is great except I'm still in total agony que me complaining once more to the doctor so I now have to wait for an appointment for a flexible sigmoidoscopy as they believe it is my bowel so waiting to see how that goes and trying to get on top of the pain it's exhausting!

    I've also made a pretty big decision in the last few days I've decided I'm going to give up my flat and go back to renting a room.. running this place on my own is proving too expensive, I can afford it but only just. I don't have enough left over each month to pay extra off my debts or save for an emergency fund and I just feel like I'm wasting money.

    Being able to rent a room means I should be able to save around half my wage each month this means my debt will be cleared in no time and I can start saving for a deposit on a place of my own eventually and to be honest I think I will enjoy the company and security of living with someone else again.

    So the hunt is on to find a room to rent and to start selling some stuff and hand in my notice as my lease is up next month.

    Welly x
    • louby40
    • By louby40 13th May 17, 8:29 PM
    • 1,083 Posts
    • 3,011 Thanks
    louby40
    That sounds like a good plan Welly. At least you can save a bit and get your debts under control.
    Parent loan PAID IN FULL Sealed Pot Challenge 10 #572
    Emergency fund £100/£1000. Christmas savings £400/£600 Car maintenance £100/600
    Kitchen July £12,493 OCT £10,993. 12% paid off
    Barclaycard £389
    Car loan £3084 Mortgage £95,807
    TOTAL DEBT = £110,273
    • Littlebirdie
    • By Littlebirdie 14th May 17, 9:41 AM
    • 189 Posts
    • 273 Thanks
    Littlebirdie
    Hey,

    I back up louby40 - sounds sensible and rational. You also must get like who you move in with and help with those lonely moments that come with being single. Good luck and keep us posted
    To staying out of debt!
    • wellylass89
    • By wellylass89 3rd Sep 17, 9:59 AM
    • 299 Posts
    • 367 Thanks
    wellylass89
    Well it's been a while!! Hello!

    I've been so busy with life I haven't had chance to update this in ages...

    I'm still living in my flat and I still adore it! I have no plans on moving just earning more and paying off my debt.

    Tesco raised my limit on my card to £3300 and made it 0% until 2019. So I transfered the balance from the Halifax card onto the Tesco card so now it's all 0%.

    I also bought a new (to me) fairly new car. It's financed and a payment each month but a car is an essential to me, some people will disagree but there you go.

    Will do an updated SOA now and try and explain a bit further.

    Welly x
    • louby40
    • By louby40 3rd Sep 17, 2:33 PM
    • 1,083 Posts
    • 3,011 Thanks
    louby40
    Ahh nice to see you Welly!
    Parent loan PAID IN FULL Sealed Pot Challenge 10 #572
    Emergency fund £100/£1000. Christmas savings £400/£600 Car maintenance £100/600
    Kitchen July £12,493 OCT £10,993. 12% paid off
    Barclaycard £389
    Car loan £3084 Mortgage £95,807
    TOTAL DEBT = £110,273
    • wellylass89
    • By wellylass89 5th Sep 17, 12:03 PM
    • 299 Posts
    • 367 Thanks
    wellylass89
    Soa
    Statement of Affairs and Personal Balance Sheet

    Household Information

    Number of adults in household........... 1
    Number of children in household.........
    Number of cars owned....................

    Monthly Income Details

    Monthly income after tax................ 1200
    Partners monthly income after tax....... 0
    Benefits................................ 0
    Other income............................ 0
    Total monthly income.................... 1200


    Monthly Expense Details

    Mortgage................................ 0
    Secured/HP loan repayments.............. 141
    Rent.................................... 450
    Management charge (leasehold property).. 0
    Council tax............................. 79
    Electricity............................. 20
    Gas..................................... 0
    Oil..................................... 30
    Water rates............................. 15.7
    Telephone (land line)................... 0
    Mobile phone............................ 54 (This is high includes a mobile broadband package can't get out yet)
    TV Licence.............................. 12.12
    Satellite/Cable TV...................... 0
    Internet Services....................... 25.5
    Groceries etc. ......................... 80 (got this down trying to get it down even more)
    Clothing................................ 10
    Petrol/diesel........................... 40
    Road tax................................ 2.5
    Car Insurance........................... 42.3 (This will come down at renewal time)
    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................. 0
    Buildings insurance..................... 0
    Contents insurance...................... 5.76
    Life assurance ......................... 0
    Other insurance......................... 0
    Presents (birthday, christmas etc)...... 10
    Haircuts................................ 0
    Entertainment........................... 0
    Holiday................................. 0
    Emergency fund.......................... 10
    Total monthly expenses.................. 1037.88



    Assets

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



    Secured & HP Debts

    Description....................Debt......Monthly.. .APR
    Mortgage...................... 0........(0)........0
    Hire Purchase (HP) debt ...... 7000.....(141)......7.9
    Total secured & HP debts...... 7000......-.........-


    Unsecured Debts
    Description....................Debt......Monthly.. .APR
    Tesco..........................1900......25....... .0
    HAlifax........................750.......10....... .0
    Total unsecured debts..........2650......35........-



    Monthly Budget Summary

    Total monthly income.................... 1,200
    Expenses (including HP & secured debts). 1,037.88
    Available for debt repayments........... 162.12
    Monthly UNsecured debt repayments....... 35
    Amount left after debt repayments....... 127.12


    Personal Balance Sheet Summary
    Total assets (things you own)........... 0
    Total HP & Secured debt................. -7,000
    Total Unsecured debt.................... -2,650
    Net Assets.............................. -9,650


    Created using the SOA calculator at www.stoozing.com.
    Reproduced on Moneysavingexpert with permission, using other browser.
    • wellylass89
    • By wellylass89 7th Sep 17, 10:30 AM
    • 299 Posts
    • 367 Thanks
    wellylass89
    I've been off for a few days back at work tomorrow. I'm looking for a second job still but I need something thats going to be worth it as in I don't want to be having to do almost full time hours for it to be worth it after tax etc. It's also proving hard working a two week rota I can't do the same days every week.

    On the plus I'll have been at the hospital a year in a few weeks so I'll be going up an increment on the band..

    I've had a look through my things and I have nothing left to sell, have looked through my bills and can't reduce anything else aside from the food shopping so I guess it's just gonna be sit tight and do what I can.

    Welly x
    • wellylass89
    • By wellylass89 7th Sep 17, 12:31 PM
    • 299 Posts
    • 367 Thanks
    wellylass89
    Just paid £200 off the credit card.. more than I usually can pay but it all adds up! So that will be down to £1700.. in my head I've broken it down focusing on paying off the £700 so it seems less daunting.


    Welly x
    • wellylass89
    • By wellylass89 11th Sep 17, 4:24 PM
    • 299 Posts
    • 367 Thanks
    wellylass89
    I've had a day off today so I did some washing and got it dried. I went to town and bought a few essentials, I spend the afternoon making and baking. Made 10 corned beef pasties and some butterfly cakes.
    I've really got into cooking and baking again just lately I'm really enjoying it.

    I made the decision to delete my social media accounts for the time being, I find a lot of stuff really triggering and it's unbearable at the moment so I'm finding it easier without it.

    Nothing to add to the debt bit yet hopefully more to pay off at the end of the month.

    Time to chill this evening before being back at work tomorrow x
    • bloomfield89
    • By bloomfield89 11th Sep 17, 4:47 PM
    • 13 Posts
    • 23 Thanks
    bloomfield89
    Well done on paying £200 off your credit card - that's fab
    Debt Free Wannabe!
    Debt Sept 17 £10277.91
    • wellylass89
    • By wellylass89 15th Sep 17, 12:30 PM
    • 299 Posts
    • 367 Thanks
    wellylass89
    Well off again for a couple of days.. I'm currently working out all being well how much I'll be able to put away at the end of the month for Christmas.
    I'd love to just chuck it at the card but I know I need to have something sorted for Christmas too.

    Still looking for a second job, currently also reading up about matched betting seems you can make a bit of money but don't feel like I understand it enough to make any decisions yet.

    Have put the winter duvet on the bed got the summer one to use as a blanket on the sofa the heating is staying off for as long as possible!!

    Welly x
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