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  • FIRST POST
    • fay66
    • By fay66 25th Nov 17, 5:28 PM
    • 664Posts
    • 1,575Thanks
    fay66
    Over the hill and drowning
    • #1
    • 25th Nov 17, 5:28 PM
    Over the hill and drowning 25th Nov 17 at 5:28 PM
    [tt]Statement of Affairs and Personal Balance Sheet

    Household Information

    Number of adults in household........... 1
    Number of children in household......... 0
    Number of cars owned.................... 0 1 car pip hp

    Monthly Income Details

    Monthly income after tax................ 1456
    Partners monthly income after tax....... 0
    Benefits................................ 374
    Other income............................ 0
    Total monthly income.................... 1830


    Monthly Expense Details

    Mortgage................................ 0
    Secured/HP loan repayments.............. 0
    Rent.................................... 450
    Management charge (leasehold property).. 0
    Council tax............................. 156 includes 60 debt paid jan 18
    Electricity............................. 28
    Gas..................................... 28
    Oil..................................... 0
    Water rates............................. 25
    Telephone (land line)................... 0
    Mobile phone............................ 88, ee mobile and pad contract ends jan 19
    TV Licence.............................. 12
    Satellite/Cable TV...................... 58
    Internet Services....................... 0
    Groceries etc. ......................... 200 includes dogs cats
    Clothing................................ 50
    Petrol/diesel........................... 120 miles 250 ew
    Road tax................................ 0
    Car Insurance........................... 0
    Car maintenance (including MOT)......... 0
    Car parking............................. 0
    Other travel............................ 0
    Childcare/nursery....................... 0
    Other child related expenses............ 0
    Medical (prescriptions, dentist etc).... 10
    Pet insurance/vet bills................. 25
    Buildings insurance..................... 0
    Contents insurance...................... 20
    Life assurance ......................... 0
    Other insurance......................... 0
    Presents (birthday, christmas etc)...... 50
    Haircuts................................ 30
    Entertainment........................... 60
    Holiday................................. 30
    Emergency fund.......................... 50
    Total monthly expenses.................. 1490



    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
    capital one....................200.......10........34.9
    aqua...........................500.......48....... .34.9
    ocean..........................1000......27....... .34.94
    118 118 loan...................2788......145.......71.3
    studio.........................100.......0........ .0
    fashion world..................200.......0.........0
    littlewoods....................450.......20....... .0
    very...........................300.......17....... .0
    marbles........................4500......189...... .34.9
    Total unsecured debts..........10038.....456.......-



    Monthly Budget Summary

    Total monthly income.................... 1,830
    Expenses (including HP & secured debts). 1,490
    Available for debt repayments........... 340
    Monthly UNsecured debt repayments....... 456
    Amount short for making debt repayments. -116


    Personal Balance Sheet Summary
    Total assets (things you own)........... 0
    Total HP & Secured debt................. -0
    Total Unsecured debt.................... -10,038
    Net Assets.............................. -10,038


    [/tt]
    Last edited by fay66; 25-11-2017 at 6:07 PM.
    Inland revenue £4500=
    Loan £2610
    Pay day loans - 135+600+300+300
    Credit card 1 - 5186
    CC2 -1038
    CC3 - 548 cc4 234
Page 3
    • doingitanyway
    • By doingitanyway 3rd Dec 17, 5:50 PM
    • 2,197 Posts
    • 10,178 Thanks
    doingitanyway
    Well done on having the lodger all moved in. Go you
    JANUARY 2016/SECURED DEBT=24,822/November 2017=3,500
    MORTGAGE FREE 25/07/16
    • beanielou
    • By beanielou 3rd Dec 17, 5:57 PM
    • 49,035 Posts
    • 182,036 Thanks
    beanielou
    Hope all works out well with the lodger
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding***
    • fay66
    • By fay66 4th Dec 17, 8:07 PM
    • 664 Posts
    • 1,575 Thanks
    fay66
    Dear Diary

    Docs today signed off til Thursday
    Eczma dilema but got some scalp treatment
    Lodger all ok. hes offered to take my westie walking on friday
    Tea shop - £9 spend gracious for sandwich and drink
    B n M £30, these hampers im making for parents and daughter wish id just given vouchers now seems never ending
    Inland revenue £4500=
    Loan £2610
    Pay day loans - 135+600+300+300
    Credit card 1 - 5186
    CC2 -1038
    CC3 - 548 cc4 234
    • beanielou
    • By beanielou 4th Dec 17, 8:29 PM
    • 49,035 Posts
    • 182,036 Thanks
    beanielou
    Aww you are so lucky, I just love Westies. Give them a wee cuddle from me
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding***
    • beanielou
    • By beanielou 4th Dec 17, 8:30 PM
    • 49,035 Posts
    • 182,036 Thanks
    beanielou
    & sorry that you have been signed off
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding***
    • fay66
    • By fay66 5th Dec 17, 11:22 PM
    • 664 Posts
    • 1,575 Thanks
    fay66
    Thanks Beanie yes alfie he is a sweetie hes a rescue was very aggressive when i first had him 3 years ago, completely a darling now, my lab is comming back this weekend, hes had a nasty ear operation due to my parents taking him somewhere and him getting stuck them feeling embarrassed and paying the £800 vets fees which I can reclaim from animal friends thank good
    Inland revenue £4500=
    Loan £2610
    Pay day loans - 135+600+300+300
    Credit card 1 - 5186
    CC2 -1038
    CC3 - 548 cc4 234
    • fay66
    • By fay66 5th Dec 17, 11:25 PM
    • 664 Posts
    • 1,575 Thanks
    fay66
    Diary

    £166 left til 22/12, £50 to cleaner monthly good scrub, due to health
    will leave me £106 , two weeks of petrol £60. so £40 left for two weeks shopping as well, also paid credit cards and bank took direct debits at same time, trying not to touch them

    NSD today
    xmas pressie buying looks poor this year
    Inland revenue £4500=
    Loan £2610
    Pay day loans - 135+600+300+300
    Credit card 1 - 5186
    CC2 -1038
    CC3 - 548 cc4 234
    • beanielou
    • By beanielou 6th Dec 17, 4:25 PM
    • 49,035 Posts
    • 182,036 Thanks
    beanielou
    I have spent the least I have ever spent on Christmas presents & cut my list way down.
    Feel so liberated compared to normal
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding***
    • fay66
    • By fay66 6th Dec 17, 5:39 PM
    • 664 Posts
    • 1,575 Thanks
    fay66
    Weds .
    Few spends. m and s 3 for two cherry liquers x2 brazils, orange juice
    and changed my watch free at argos due to the repair replacement, and got a better watch strap
    Inland revenue £4500=
    Loan £2610
    Pay day loans - 135+600+300+300
    Credit card 1 - 5186
    CC2 -1038
    CC3 - 548 cc4 234
    • beanielou
    • By beanielou 6th Dec 17, 5:55 PM
    • 49,035 Posts
    • 182,036 Thanks
    beanielou
    Good news on the watch
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding***
    • fay66
    • By fay66 6th Dec 17, 11:09 PM
    • 664 Posts
    • 1,575 Thanks
    fay66
    Dear Diary t
    Bingo party tonight, at gala. won £20 was only £10 for our meal and free games, bottle of bubbly poppers hats and streamers
    so 20 up so 60 left til 22/12
    also I said to vanessa my friend whos organised our big christmas party, she can send the party hats back £15 off ebay and use those they are the same so a little savvy
    yes beanie the pressies, well had a chat with friends and they said what i had bought was acceptable , so ending purchases on xmas
    Inland revenue £4500=
    Loan £2610
    Pay day loans - 135+600+300+300
    Credit card 1 - 5186
    CC2 -1038
    CC3 - 548 cc4 234
    • fay66
    • By fay66 7th Dec 17, 10:22 PM
    • 664 Posts
    • 1,575 Thanks
    fay66
    Evening,
    first day back at work didnt get home until 730pm after leaving at 6 and getting blocked in, and huge traffic on way home
    glad i had home made stew
    tonight I made ham cobs
    had a return to work with boss who have called occupational health in, no idea , but ive now had 20 days off sick this yearshe asked me any ideas to make the jjob manageable . found i have 2 days left for holidays took a day off next week
    spend £4.30 on quiche chips and pop, so packed ham cobs tonight for work tomorrow
    Inland revenue £4500=
    Loan £2610
    Pay day loans - 135+600+300+300
    Credit card 1 - 5186
    CC2 -1038
    CC3 - 548 cc4 234
    • fay66
    • By fay66 8th Dec 17, 9:53 PM
    • 664 Posts
    • 1,575 Thanks
    fay66
    £1.20 spend on pepsi max
    also go to go to a formal 1 interview at work for sickness any ideas anyone
    Inland revenue £4500=
    Loan £2610
    Pay day loans - 135+600+300+300
    Credit card 1 - 5186
    CC2 -1038
    CC3 - 548 cc4 234
    • beanielou
    • By beanielou 9th Dec 17, 6:38 PM
    • 49,035 Posts
    • 182,036 Thanks
    beanielou
    Can you take someone with you?
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding***
    • fay66
    • By fay66 9th Dec 17, 8:09 PM
    • 664 Posts
    • 1,575 Thanks
    fay66
    Well ive recorded all detailed absences and these are related to pending operation , I have also taken 6 annual leaves as hospital/doc appointments and also had 7 injections of b12 in november, when they found i was lacking this, and this probably caused muscle weakness and depression, there was a delay from the doctor receiving these tests to me getting the treatment needed, it is all linked also in August I had a fall at work probably anaemia never took the day off , being as I work in a nurse environment, nobody was sent to check me over professionally
    Inland revenue £4500=
    Loan £2610
    Pay day loans - 135+600+300+300
    Credit card 1 - 5186
    CC2 -1038
    CC3 - 548 cc4 234
    • beanielou
    • By beanielou 9th Dec 17, 8:22 PM
    • 49,035 Posts
    • 182,036 Thanks
    beanielou
    Just go to meeting & put across what you have said.
    Maybe speak to your union rep?
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding***
    • fay66
    • By fay66 9th Dec 17, 8:34 PM
    • 664 Posts
    • 1,575 Thanks
    fay66
    Yes I am going to do, wondered if anyone else had any advice,
    Im not in a union but I have a free number to ring
    spend today was £23 in iceland
    the works £28, 2 gifts for £10, light box for daughter £10 xmas cards £2 bag £2
    card factory family cards £7
    muffin break £7
    Inland revenue £4500=
    Loan £2610
    Pay day loans - 135+600+300+300
    Credit card 1 - 5186
    CC2 -1038
    CC3 - 548 cc4 234
    • fay66
    • By fay66 10th Dec 17, 5:50 PM
    • 664 Posts
    • 1,575 Thanks
    fay66
    Catch up with old friends £11 meal
    £2. emergency trip to toilet you now have to buy a drink in costa to have the code for the toilet,
    had chicken dinner cooked by the lodger
    just finishing the washing and relaxing
    hope everyone is having a good sunday , snow isnt too bad, im still twittering with comps as swell
    Inland revenue £4500=
    Loan £2610
    Pay day loans - 135+600+300+300
    Credit card 1 - 5186
    CC2 -1038
    CC3 - 548 cc4 234
    • doingitanyway
    • By doingitanyway 10th Dec 17, 6:31 PM
    • 2,197 Posts
    • 10,178 Thanks
    doingitanyway
    Pleased to see the lodger situation is going so well.
    JANUARY 2016/SECURED DEBT=24,822/November 2017=3,500
    MORTGAGE FREE 25/07/16
    • fay66
    • By fay66 11th Dec 17, 9:55 PM
    • 664 Posts
    • 1,575 Thanks
    fay66
    All ok free legal advice at work and formal interview should not be conducted without hr say so and all known facts will update tomorrow
    hot choc at work £1.70 as was freezing.
    still got £100 in cash but will need petrol this week maybe £20 and next week £25, so not too bad at all. christmas dinner at work on friday £3
    Inland revenue £4500=
    Loan £2610
    Pay day loans - 135+600+300+300
    Credit card 1 - 5186
    CC2 -1038
    CC3 - 548 cc4 234
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