Keeping Positive's - Into the new years diary

Keeping_Positive

Household Information[/b]
Number of adults in household........... 2
Number of children in household......... 3
Number of cars owned.................... 1
Monthly Income Details
Monthly income after tax................ 1350
Partners monthly income after tax....... 100
Benefits................................ 345
Other income............................ 0
Total monthly income.................... 1795
Monthly Expense Details
Mortgage................................ 0
Secured loan repayments................. 0
Rent.................................... 445
Management charge (leasehold property).. 0
Council tax............................. 131 jan and feb free
Electricity............................. 45
Gas..................................... 45
Water rates............................. 28
Telephone (land line)................... 30
Mobile phone............................ 5 via work expenses
TV Licence.............................. 12
Satellite/Cable TV...................... 50
Groceries etc. ......................... 300 aim 250
Clothing................................ 10
Petrol/diesel........................... 50
Road tax................................ 15
Car Insurance........................... 34
Car maintenance (including MOT)......... 25
Other child related expenses............ 50
Medical (prescriptions, dentist etc).... 5
Pet insurance/vet bills................. 0
Contents insurance...................... 15 renewal due feb
Life assurance ......................... 6
Other ......................................5
Presents (birthday, christmas etc)...... 50
Haircuts................................ 20
Entertainment........................... 100 aim 80
Holiday................................. 100
Emergency fund.......................... 0
Total monthly expenses.................. 1576

Assets
Cash.................................... 300
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 0
Other assets............................ 0
Total Assets............................ 300

No Secured Debt
Unsecured Debts
Description....................Debt......Monthly...APR
loan...........................13163.5...223.6.....6.9
tesco..........................1942......51........17.5
mbna...........................852.......25........0
Total unsecured debts..........15957.5...299.6.....-

Monthly Budget Summary
Total monthly income.................... 1,795
Expenses (including secured debts)...... 1,576
Available for debt repayments........... 219
Monthly UNsecured debt repayments....... 299.6
Amount short for making debt repayments. -80.6
Personal Balance Sheet Summary
Total assets (things you own)........... 300
Total Secured debt...................... -0
Total Unsecured debt.................... -15,957.5
Net Assets.............................. -15,657.5


monthly budgets 505 aim 435
annual / less frequent budgets 244
set monthly bills 1122

1871 aim 1801 shortfall 6

In_Search_Of_Me

flipping machines! My hand blender went so my attempt to not spend money resulted in money not intended! Luckily I have lots of food and petrol so trying minimum spends until payday...hugs for you!

Keeping_Positive

bits to report

1 looks like I have been accepted for the citicard because the pin is through. Which deal do you guys think is best? 5.8% LOB with no fee or 0% 2.9% fee for 16 months?

2 I got a sun priority booking form that I dont need so will see if sis wants it or offer it to someone on here. If any of you want it just shout.

3 My SOA forgets the 53.80 catalogue bill :mad: good news I have paid this months and have two months left so that conisides with the "free" c tax months.

Plan today

Sort bathroom and kitchen but first get dressed.

Keeping_Positive

JAN BUDGET


Telephone (land line)................... 30
Mobile phone............................ 5 via work expenses
Groceries etc. ......................... 300 aim 250
Clothing................................ 10
Petrol/diesel........................... 50
Other child related expenses............ 50
Medical (prescriptions, dentist etc).... 5
Entertainment........................... 100 aim 80

monthly budgets 505 aim 435
set monthly bills os 30

Bank account says I have 425 left till the 25th after taking off £180 wm £51 cc £30 phone and adding 2 lots of tax credit. Also should get £100 off OH. Aim to spend as little as possible in Jan so proper budget can start on the 25th.

Also forgot to mention I have taped down OHs small change savings pot so its now a seale pot for holiday spending money savings. Should have £15 in already. He is very good at sticking all his 1s 2s and 5s in bur DS get the 10s and 20s into his piggy bank.

In_Search_Of_Me

I'd go for the long lob myself...0% always run out quickly and the bt fees mount up...well done so far youve done loads. Rest and relaxation in there anywhere?!!

Keeping_Positive

Thanks ISOM

It does seem the most sensible option.

Spends today - 13.00

£7 coffee (cheap nescafe jars)
£1 me (choc)
£1 cat food
£4 DD1 socks for school trip

so for the month we have £39 me, £6 clothes, £198 food

benbenandme

Could I have your booking thingy if no-one else wants it please

beanielou

My hand blender broke as well.
Got a new Tesco value one for £4 as really only use it for soup.

Keeping_Positive

benbenandme wrote: »

Could I have your booking thingy if no-one else wants it please

Yes sure just pm me your address

In_Search_Of_Me

beanie dont use it hot - I had the same one and melted it and then the bit flew out - have concluded that cheap isnt cheerful where hand mixers go and forked out a whole 24.99!!!
KP its not necc the best option but in my exp the 0% go in a blink of an eye and then you have to pay wretched bt fees...am just about to have to really juggle ater being refused a long lob so will be paying interest for a bit...will have to try and play nbna at their own game...just not sure it will work lol!