Guess whose back!? The Return Diary

CAFCGirl

hypno06 wrote: »

Whats all this about knickers

i may talk about my life being pants, but I don't recall the knicker conversation.

I'm sure there was "someone" on the original Unnecessary Spend Challenge who bought new pants.... who could it have been then?!

I may have to search for the thread to find out.... if Hypno thinks t'was not her.....:rolleyes:

pippo

This is really spooky!!!
I've not been on for a couple of months,
and it was me with the knickers:rotfl:

Please to hear you're enjoyin marred life Cafc
Will readyou last post properly in a bit!!

Pippo

Gemmzie

CAFC, you have been missing a while, we have a new SOA format now
http://www.makesenseofcards.com/soacalc.html Much easier to understand

elantan

CAFCGirl wrote: »

OK enough belly aching and reminiscing...

I'm back, Im married, I'm still in debt..... I'm actually in more debt now than I ever have been, however most of it is OH's....:rolleyes: But I'm trying to help him out as much as possible

Slight situation at the moment is that OH is unemployed, although 2 interviews today so hopefully something will come up.

So just my measley wage at the moment, however he will get a wage packet end of this month, but we need to make sure he has something come in at end of August otherwise we are up the creek....

So my income £1143
OH's income for end of july, should be around £700

Outgoings
Rent £650 (tied till end of january)
CT £110
Utilities £20 (only electric, water included in our rent)
BT £35 for line rental and connection when we moved in
Sky £26 a month, includes sky, bband and phone calls
Mobiles £35 combined
Food £160- £200, trying to get better with this

And then there is car stuff which OH knows all about because I dont drive/concern myself with the car.
Insurance for the year was £381
Car tax £110 (he thinks) due again in January
MOT (new so doesnt need one yet)
Petrol - now down to £30 a month since he isnt driving to work/or anywhere for that matter



OHHHHHHHHHHHHHHHHHHHHHHHHHHHH the horrible part now......
Abbey Loan 114.90%£4,417.00£4,142.65


Abbey Loan 219.90%£2,367.00£2,188.16
Car Loan12.30%£5,258.26£4,963.72Mum Loan0.00%£4,500.00£4,500.00Halifax Credit Card19.95%£2,397.69£448.00Abbey MBNA Credit Card2.90%£1,045.50£963.61Abbey Zero Credit Card£2,400.00£2,390.00I.F Credit Card14.90%£980.00£2,193.94
Homebase MBNA Card0.00%£38.50£2,384.00

Now according to the snowball that puts us £24,174 in debt.... god i feel sick

Loans are all fixed at £137.57, £89.42 and £147.29

Rest I've generally been paying over the minimum on and up until OH quit his job, we were on track, paying over £1000 a month to our debts.

Now however it all feels a bit up in the air...
So any advice however basic etc is more than welcome right now as we need to get this together and sorted out...

P.S the end columns on the debts are the current balances...

god she doesnt mess about does she

CAFCGirl

pippo wrote: »

This is really spooky!!!
I've not been on for a couple of months,
and it was me with the knickers:rotfl:

Please to hear you're enjoyin marred life Cafc
Will readyou last post properly in a bit!!

Pippo

It's not spooky, technically you and I are so obviously the same person, posting under different names to appease our multiple personalities... btw a cup of tea would be nice :rotfl:
ok so the craziness got to me... after writing out all those numbers:eek:

And I knew someone had some knickers!!

CAFCGirl

Monthly income after tax................ 1143
Partners monthly income after tax....... 600
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 1743

Monthly Expense Details
Mortgage................................ 0
Secured loan repayments................. 0
Rent.................................... 650
Management charge (leasehold property).. 0
Council tax............................. 110
Electricity............................. 30
Gas..................................... 0
Oil..................................... 0
Water rates............................. 0
Telephone (land line)................... 35
Mobile phone............................ 35
TV Licence.............................. 10
Satellite/Cable TV...................... 26
Internet Services....................... 0
Groceries etc. ......................... 175
Clothing................................ 10
Petrol/diesel........................... 0
Road tax................................ 10
Car Insurance........................... 32
Car maintenance (including MOT)......... 0
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...................... 0
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 10
Haircuts................................ 15
Entertainment........................... 15
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 1163

Assets
Cash.................................... 500
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 5000
Other assets............................ 100
Total Assets............................ 5600

No Secured Debt

Unsecured Debts
Description....................Debt......Monthly...APR
Loan 1.........................4142......137.5.....14.9
Loan 2.........................2188......89.42.....19.9
Car Loan.......................4963......147.4.....12.3
Homebase MBNA..................2384......5.........0
I.F............................2193......35........14.9
Abbey Zero.....................2390......5.........0
Abbey MBNA ....................1300......20........2.9
Halifax........................448.......5.........19.9
Mum Loan.......................4500......5.........0

CAFCGirl

elantan wrote: »

god she doesnt mess about does she

I'm going to take that as a compliment...... i think....

spud30

I remember you too !!!!

Welcome back and congratulations on the wedding x

elantan

CAFCGirl wrote: »

I'm going to take that as a compliment...... i think....

it was honestly meant as one

CAFCGirl

elantan wrote: »

it was honestly meant as one

well thats alright then:p