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My new SOA and Deby Diary
mumzyof2
Posts: 3,343 Forumite
Good Evening All...
I'am doing a new SOA just so i can see for myself what I have coming in and out each week/month. This is for myself and 2 children aged 4 and 2. Please feel free to give me your opinions on this.
Each week I get :
£60.50 IS (It will be changing soon though to £5 less)
£90.27 CTC (This also will be changing soon to £5 less)
Total £150.77 a week / £603.08 pm
I have coming out each month the following:
Insurance £11.27 (soon will be up for renewal so will get a cheaper quote)
Water £22.57
Internet £35.00 (I know this is alot but they messed up on my contract)
Mobile Phone £80 (I have family abroad, trying to get this down to £50)
Total £248.84
I also pay the following weekly
Gas and Electric £15.00
Gas and Electric debt £1.50
Rent top up £17.35
Tv Licence £5.50 (starts in 2-3 weeks)
DMP £7.50
Overdraft £5.00
Christmas savings £5.00
Food £25.00
Total £81.85
Final total (all put together and based on 4 weekly) £376.24
I have not included my CB and HB as they go towards my rent and then i just top up the remaining money thats owed.
I have also just started doing the Payment a day challenge which ranges on me making a payment of minium 50p to £3 depending on what i can afford.
I buy clothes and any other items with any monies that are left over at end of the month. I also get my hair done (not very often though) by a friend for £10.
I don't eat out very often but if i do it comes out of my grocery budget.
I am also getting prepared to start the Live off 4k challenge 09 and have already started the Grocery Challenge.
I have decided that this will be my Get Out Of Debt Diary
I'am doing a new SOA just so i can see for myself what I have coming in and out each week/month. This is for myself and 2 children aged 4 and 2. Please feel free to give me your opinions on this.
Each week I get :
£60.50 IS (It will be changing soon though to £5 less)
£90.27 CTC (This also will be changing soon to £5 less)
Total £150.77 a week / £603.08 pm
I have coming out each month the following:
Insurance £11.27 (soon will be up for renewal so will get a cheaper quote)
Water £22.57
Internet £35.00 (I know this is alot but they messed up on my contract)
Mobile Phone £80 (I have family abroad, trying to get this down to £50)
Total £248.84
I also pay the following weekly
Gas and Electric £15.00
Gas and Electric debt £1.50
Rent top up £17.35
Tv Licence £5.50 (starts in 2-3 weeks)
DMP £7.50
Overdraft £5.00
Christmas savings £5.00
Food £25.00
Total £81.85
Final total (all put together and based on 4 weekly) £376.24
I have not included my CB and HB as they go towards my rent and then i just top up the remaining money thats owed.
I have also just started doing the Payment a day challenge which ranges on me making a payment of minium 50p to £3 depending on what i can afford.
I buy clothes and any other items with any monies that are left over at end of the month. I also get my hair done (not very often though) by a friend for £10.
I don't eat out very often but if i do it comes out of my grocery budget.
I am also getting prepared to start the Live off 4k challenge 09 and have already started the Grocery Challenge.
I have decided that this will be my Get Out Of Debt Diary
Sealed Pot dec 08 - dec 09 so far £27.67, Live off £4k Spent £330.20 GC £1,200 for 2009 Spent £50.78 PaD so far £650.07
Debts: L/woods £154.00 C/One PAID O/D £649.90 Next £299.95 O/D PAID Gas £72.60 Electric £155.73 Mum £640.00 Orange £490.32
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Comments
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I have £22 in my bank so tomorrow im going to do a little top up shop and get some ingredients for chochlate fudge cake and also carrots for carrot soup as I hate paying the price for a tin of Heinz soups!Sealed Pot dec 08 - dec 09 so far £27.67, Live off £4k Spent £330.20 GC £1,200 for 2009 Spent £50.78 PaD so far £650.07Debts: L/woods £154.00 C/One PAID O/D £649.90 Next £299.95 O/D PAID Gas £72.60 Electric £155.73 Mum £640.00 Orange £490.320
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good luck with your new diary. Have you been able to do any surveys to give your income a boost?
chevI want a job that is less than an hour driving away from my house! Are you listening universe?
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mumzyof2 Well done in posting your SAO I have not had the courage to do mine yet
I have talk talk ( I have had no problems with it ) I have a land line broad band all local and national calls plus international calling for £20.99 I think you can get quite good deals just now just a thought maybe it would cut down on your mobile phone bill. I have 02 sim card you can get them free over the internet I just pay £10 a month you can have free texts or mins depending on the package you choose. Good Luck.;):TNot going to bury my head in sand any longer
[SIZE=+2]Let him who is without sin cast the first stone:A[/SIZE]0 -
Hiya mumzy,
Good luck with your new get out of debt diary, you know we're here for support any time you need us. Will be watching/reading your diary every day.Sparky0107 - Sealed pot challenge member #002. Total for SPC3 £1,030.57 Total For SPC 4 £2247.00 Total for SPC 5 £2574.62 :T Total for SPC 6 £4552.91:T
:rotfl:LC2 & Jakes-Mum are off their heads :rotfl
:j DEBT FREE AS OF 20/01/2012 :j0 -
Good luck with your new diary!0
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Thankyou to everyone who has wished me luck.
Don't have much to tell you all today except i made a 50p payment today for the payment a day challenge. Pay day tomorrow where i will pay all my bills
Sealed Pot dec 08 - dec 09 so far £27.67, Live off £4k Spent £330.20 GC £1,200 for 2009 Spent £50.78 PaD so far £650.07Debts: L/woods £154.00 C/One PAID O/D £649.90 Next £299.95 O/D PAID Gas £72.60 Electric £155.73 Mum £640.00 Orange £490.320 -
If you have family abroad, have you not thought about using skype to make free calls via the internet?0
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