No Ifs, Ands, or Buts!

moosesquirrel · 10 November 2017 at 12:41PM

I haven't forgotten to redo the SOA. Have to go to work, but will work on it this weekend.

In other news, I've listed some items on ebay and joined up to do some surveys on various sites. All suggestions from previous posts. Hopefully I can boost the income in some way. I really don't want to change jobs as I'd rather be skint and happy than in a job a hate. I love what I'm doing and the people I work with, so going to stick with it for now.

Working_Mum · 10 November 2017 at 1:40PM

Hi moosesquirrel I use MalwareBytes for my anti virus/adware etc - it is about £18 per year and I have found it very good, easy to set up and use. I am not technically minded at all so not 100% sure if it matches what you've currently got.

Well done on getting some stuff posted on eB4y - good discipline to get into chipping away!

moosesquirrel · 11 November 2017 at 11:43AM

Updated SOA after input from ES

Statement of Affairs and Personal Balance Sheet

Household Information
Number of adults in household........... 3
Number of children in household......... 1
Number of cars owned.................... 2

Monthly Income Details
Monthly income after tax................ 577
Partners monthly income after tax....... 0
Benefits................................ 262
Other income............................ 1015
Total monthly income.................... 1854

Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax............................. 142
Electricity............................. 48
Gas..................................... 48
Oil..................................... 0
Water rates............................. 18
Telephone (land line)................... 29
Mobile phone............................ 78
TV Licence.............................. 13
Satellite/Cable TV...................... 51
Internet Services....................... 12.5
Groceries etc. ......................... 320
Clothing................................ 5
Petrol/diesel........................... 80
Road tax................................ 25
Car Insurance........................... 78
Car maintenance (including MOT)......... 15
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 18
Pet insurance/vet bills................. 32
Buildings insurance..................... 15
Contents insurance...................... 15
Life assurance ......................... 40
Other insurance......................... 112
Presents (birthday, christmas etc)...... 40
Haircuts................................ 0
Entertainment........................... 80
Holiday................................. 50
Emergency fund.......................... 20
netflix................................. 8
Total monthly expenses.................. 1392.5

Assets
Cash.................................... 75
House value (Gross)..................... 380000
Shares and bonds........................ 0
Car(s).................................. 2000
Other assets............................ 0
Total Assets............................ 382075

No Secured nor Hire Purchase Debts

Unsecured Debts
Description....................Debt......Monthly...APR
Barclaycard....................14084.....317.......18.02
MBNA...........................6492.18...121.1.....24.9
Nationwide Overdraft...........750.......0.........0
Nationwide Overdraft...........1450......0.........0
Barclays Overdraft.............2500......0.........0
Total unsecured debts..........25276.18..438.1.....-

Monthly Budget Summary
Total monthly income.................... 1,854
Expenses (including HP & secured debts). 1,392.5
Available for debt repayments........... 461.5
Monthly UNsecured debt repayments....... 438.1
Amount left after debt repayments....... 23.4

Personal Balance Sheet Summary
Total assets (things you own)........... 382,075
Total HP & Secured debt................. -0
Total Unsecured debt.................... -25,276.18
Net Assets.............................. 356,798.82

Reproduced on Moneysavingexpert with permission, using other browser.[/i]

moosesquirrel · 11 November 2017 at 11:46AM

Working_Mum wrote: »

Hi moosesquirrel I use MalwareBytes for my anti virus/adware etc - it is about £18 per year and I have found it very good, easy to set up and use. I am not technically minded at all so not 100% sure if it matches what you've currently got.

Well done on getting some stuff posted on eB4y - good discipline to get into chipping away!

Thank you WM. I use a free version of MalwareBytes and am very happy with what that does, so will remember this for when the antivirus needs renewing. Have cancelled the DD with McAfee as don't want that hitting my credit card.

In other news, last night I sat and did a number of survey and earnt £9.60 over a few different sites. I've also got a bid on one of my ebay items so at least £9 coming in from that.

Feeling very motivated.

MeenaM · 11 November 2017 at 12:37PM

Good luck with this !

moosesquirrel · 12 November 2017 at 11:41AM

Thank you Meena.

I like your signature at the bottom there. I'm going to try and do the same so I can watch my progress.

I now have 10 items listed on ebay. Two of them will definitely sell earning me at least £12.00

I'm going to set myself some other goals as well as I seem to be on a roll. Lots of things I want to do and we have to use that motivation whilst it's there.

moosesquirrel · 12 November 2017 at 12:47PM

So these are the goals I have set myself:

Lose weight
1.5 stone by this time next year

Clear debts
£4,000 by this time next year (this may be a long shot but that is the aim)

Tidy house
Declutter and spring clean before Christmas

Sort bills
Sort through and shred bills between 2010 and 2014 by end of this year

Computer
Tidy my files and clear out mailbox by this time next year

Fitbit
Start aiming for 10k step per day

So narrowing this down to weekly goals:

Lose weight
lost half a pound by 19/11

Clear debts
keep the shopping bill to no more than £80 this week

Tidy house
Clean and tidy one kitchen cupboard
Clean kitchen sink

Sort bills
Sort through 2010 bills and shred anything no longer needed

Computer
Sort through my music folder and put it in some sort of tidy workable order

Fitbit
Aim for 10k step per day

Chrystal · 12 November 2017 at 3:03PM

It sounds as though you have a doable plan in place moonsquirrel

I think it's so much easier to break it down into weekly aims, apart from anything else it keeps the mind focused. Even broken into monthly aims it's easy to 'go off plan' thinking we have time left in the month to make it up - can't think that when everything is planned into seven days! :rotfl:

Stay positive X

Doobop · 12 November 2017 at 6:10PM

You are doing so well facing this. Wanted to do a v quick note to say it is not necessarily the case that dh can't get benefits if he left work voluntarily. If he claims a sickness benefit they don't even ask why he left, if he claims a looking for work benefit they ask why and take reasons into account. Look at a website entitledto to check, but don't rule it out.
The extra hour at work sounds a good bonus, well done

moosesquirrel · 14 November 2017 at 10:09AM

Doobop wrote: »

You are doing so well facing this. Wanted to do a v quick note to say it is not necessarily the case that dh can't get benefits if he left work voluntarily. If he claims a sickness benefit they don't even ask why he left, if he claims a looking for work benefit they ask why and take reasons into account. Look at a website entitledto to check, but don't rule it out.
The extra hour at work sounds a good bonus, well done

Thank you Doobop.

I think hubby may be able to claim ESA. Have taken down the number for him to ring.

No Ifs, Ands, or Buts!

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