Wishful thinking?

tinypawz

Feel abit down today. It is the exs birthday. And for reason passing my understanding, I still think about what we 'should/could' be doing.

I tend to get angry then, because he has just walked and has never looked back.....when he left I lost a husband and my best friend.

I really should be over all this crap by now!!! it is over 2years:mad:

tinypawz

well offer has been accepted and mortgage approved!

So hopefully in a few weeks I'll be in my own place!:j :j :j

skint_spice

Well done you! hope you are feeling a bit better about the ex too. Get the boxes out and start packing.:beer:

tinypawz

Valuer is heading out to the flat on Wed...panicking incase it is valued less than my accepted offer.....

Anyway, starting the clear out sometime this week. I'll be moving from a 3bed, 2 reception room house to a 2 bed very compact flat!!!

I think I will need a skip for all the stuff I need to get rid of. I'll give the stuff that is in good condition to the local charity shop.

tealady

Hi don't throw stuff in a skip cos you will have to pay for that. I would put it on your drive with a note saying "Pay me what you think it is worth" and ask people to push money through your letterbox.
Then whatever is left ring your local Council to see if they will take it away for you.
Here in Brum they take a lot of stuff away for free.

skintjenny

wow your own flat, i cant wait to get on the property ladder but think it will be a while yet.
good luck with everything, it can be really hard when youre depressed and down but i find that getting out in the sunshine and thinking about everything that youre grateful for helps me.
do you know when the big move date is yet?
youll have to go on the old style boards and find out how to make your own curtains

tinypawz

no movement on flat.....the people in there at the minute haven't found anywhere to move to.

so trying, trying with all my might, to save every last penny that I can. I need money for solicitors fees, white goods and a sofa.

Hopefully I'll be able to pay off solicitors fees over a few months....not sure if that is even possible.

Like a big child, I have alreay picked out the white goods and sofa that I would like so i need about 1k for all that.....I hope that I win the lotto!

Fire_Fox

Any news on the flat, Tinypawz?

tinypawz

I've been very naughy, and not keeping this diary up to date.

Well I move into the flat at the end of June. (eventually)

There are still boxes around. I started doing some work in my lo room, knocking down the 2 built in wardrobes to make the room bigger. Then had to get the whole room replastered. Hopefully she get into her own room in the next few weeks.

Next on the list is the sitting room, although I will need to save quite alot for this one. I need to make door openings bigger (to get a sofa into the room) and if i'm going to that bother the whole room could do with being replastered aswell.

I'll post an uptodate SOA......

tinypawz

Statement of Affairs and Personal Balance Sheet
Monthly Income Details
Monthly income after tax................ 1255
Partners monthly income after tax....... 0
Benefits................................ 310
Other income............................ 0
Total monthly income.................... 1565
Monthly Expense Details
Mortgage................................ 164
Secured/HP loan repayments.............. 0
Rent.................................... 0
Management charge (leasehold property).. 12
Council tax............................. 45
Electricity............................. 150
Gas..................................... 0
Oil..................................... 0
Water rates............................. 0
Telephone (land line)................... 10
Mobile phone............................ 20
TV Licence.............................. 12
Satellite/Cable TV...................... 21
Internet Services....................... 5
Groceries etc. ......................... 150
Clothing................................ 50
Petrol/diesel........................... 0
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 56
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 0
Buildings insurance..................... 22
Contents insurance...................... 0
Life assurance ......................... 15
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 0
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 732

Assets
Cash.................................... 0
House value (Gross)..................... 75000
Shares and bonds........................ 0
Car(s).................................. 0
Other assets............................ 0
Total Assets............................ 75000

Secured & HP Debts
Description....................Debt......Monthly...APR
Mortgage...................... 67300....(164)......4
Total secured & HP debts...... 67300.....-.........-
Unsecured Debts
Description....................Debt......Monthly...APR
Loan 1.........................10345.....267.......3
Loan 2.........................2118......61........7
Daddy..........................7300......150.......0
Total unsecured debts..........19763.....478.......-

Monthly Budget Summary
Total monthly income.................... 1,565
Expenses (including HP & secured debts). 732
Available for debt repayments........... 833
Monthly UNsecured debt repayments....... 478
Amount left after debt repayments....... 355
Personal Balance Sheet Summary
Total assets (things you own)........... 75,000
Total HP & Secured debt................. -67,300
Total Unsecured debt.................... -19,763
Net Assets.............................. -12,063
Created using the SOA calculator at www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission, using IE browser.