Wishful thinking?

tinypawz

Thanks FireFox

Gonna make an appointment with doc asap to talk about changing the tablets. I have just started going to CBT. My doc thinks that it will help me.

Anyway....I still haven't spent a penny this year! That'll change today. I'm going to visit my dad, I don't drive and public transport does not go to his area, so private taxi for me! It is only a few pounds so not so bad.

tinypawz

Well spent £8 pounds today. After visiting my dad, Lo and I called into mum house (only 6 doors away) and she very kindly gave me the bread for my sandwiches for work tomorrow.....thats haw skint I am!!!!

Wish I had the stones to sell myself.....might make an extra 50p!!!

Welcome to my world....can you tell that I'm not in good mood!

Caroline73_2

tinypawz wrote: »

I have also contacted the CSA about trying to get some money from my ex-h. I used the calculator thingy on the CSA to find out what he SHOULD be paying. £54pw thats £2808pa!!!!!:eek: I won't hold my breath for this.

I personally think the man should be dangled upside down by his ankles and shook until he has paid me back every penny that he 'borrowed' .....on my CCs!!!!!! (rant over)

Just think of the satisfaction you will have though knowing that you did it all by youself without his help. :beer:

tinypawz

Well today was a good day!

Spent £2.30 (travel to work) + £6 prescription

Got into work today, not in good form, didn't really want to go back to work.......thank goodness I did.....I had won the bonus ball xmas draw. £176!!!!:j

Going to pay off 2 off the bills. Choice £55, Studio £53.03 and Debt collection office £18.48.

Also changed landline to Sky so saving £15monthly.

Head-Out-Of-Sand

tinypawz wrote: »

As for Ebay......not sure that I have anything worth selling.....will have a good root around for surplus stuff that somebody/anybody might want.

You'd be surprised at the [EMAIL="!!!!"]!!!![/EMAIL] people will buy!! It really is true one person's trash is another's treasure...I've sold some of what I thought was utter tat on ebay and the buyers were chuffed with it. Have a go, see what you get!

I'd defo suggest being scroogy with the xmas pressies, you've been landed in a really difficult situation by that unmentionable man, and that money needs to go towards getting you out of it - your friends will understand. I agree, go for secret santa or token pressies.

Good luck with paying your debts off, and well done on all your hard work so far!! :T

Head-Out-Of-Sand

tinypawz wrote: »

Well today was a good day!

Spent £2.30 (travel to work) + £6 prescription

Got into work today, not in good form, didn't really want to go back to work.......thank goodness I did.....I had won the bonus ball xmas draw. £176!!!!:j

Going to pay off 2 off the bills. Choice £55, Studio £53.03 and Debt collection office £18.48.

Also changed landline to Sky so saving £15monthly.

Hurrah!! It's nice when you land on a ladder rather than a snake for a change!! :j

tinypawz

2009 is going to be a fabulous year!:j :j

£504 back paid housing benefit was in my account this morning!:j £49.5pw from now on.

I've changed from getting a bus to getting a taxi reducing travel costs to £56pm!:dance:


Childminder costs to me have also gone, family friend has offer to look after lo for FREE until I get myself sorted out.:dance:



Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 1
Number of children in household......... 1
Number of cars owned....................
Monthly Income Details
Monthly income after tax................ 1255
Partners monthly income after tax....... 0
Benefits................................ 296
Other income............................ 194
Total monthly income.................... 1745
Monthly Expense Details
Mortgage................................ 0
Secured loan repayments................. 0
Hire Purchase (HP) repayments........... 0
Rent.................................... 525
Management charge (leasehold property).. 0
Council tax............................. 0
Electricity............................. 60
Gas..................................... 0
Oil..................................... 50
Water rates............................. 0
Telephone (land line)................... 10
Mobile phone............................ 35
TV Licence.............................. 12
Satellite/Cable TV...................... 21
Internet Services....................... 5
Groceries etc. ......................... 100
Clothing................................ 0
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).... 15.5
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 0
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 0
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 889.5

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
Staff Loan.....................12309.....276.......4
Other Loan.....................2562......60........7
Total unsecured debts..........14871.....336.......-

Monthly Budget Summary
Total monthly income.................... 1,745
Expenses (including HP & secured debts). 889.5
Available for debt repayments........... 855.5
Monthly UNsecured debt repayments....... 336
Amount left after debt repayments....... 519.5
Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -0
Total Unsecured debt.................... -14,871
Net Assets.............................. -14,871
Created using the SOA calculator at www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission.

I mentioned on my last SOA some catalogues....these were paid by my lotto win on Monday.

Also I still owe my dad £600 - this will be paid with £500 in account now and £100 from next salary.

I've also arranged with my dad to save £100 toward next xmas!!

My future is definitely looking more rosey.:j :j

If I pay off £700pm (which is now toally do-able) I will be debt free in Dec 2010 instead of Feb 2013!!!!

Now all I need is a man for some regular sex and I will be the happiest woman alive:rotfl:

makeup

Hey Tiny

I've been reading your thread and have total sympathy for your tough situation. It's bad / hard enough paying your own debts...but someone else's? :mad: :mad:

I'm so glad you had such a flying start to 09 and have already managed to clear some of the debts.

Well done and good luck!

Did I read right that travelling by taxi is cheaper than bus????

Take care!

tinypawz

makeup wrote: »

Did I read right that travelling by taxi is cheaper than bus????

I live in Belfast. In the hieght of 'the troubles' buses stopped coming to some parts of the city. Local community members started shuttling people about in cars and minibuses. Over the years it has turn into a taxi association.

They use black hackney cabs and fill up with people going in the same direction. Just get out and in as and when you need too.

Minimum fare £1.30, maximum fare £1.50.

Brilliant service.....and they can use bus lanes....so home in next to no time!

tinypawz

Spent today £4.80 on travel, £48.37 on groceries (really shouldn't have done that, but local supermarket has a meat sale on - fabulous:j ).

I was a CBT today for second session....the guy basically said that CBT is not what I need and is referring me on to humanistic councelling. Not particularly good news. Something or someone out there will eventually help me.