A Mummy to be's debt free diary!

carkeyz

Dec 15 - Jan 14
Budgetted Actual
M 15 400 - Rent 400 - Rent
188 - DMP 188 - DMP
100 - Safe 100 - Safe
60 - Food 90 - Food + Xmas + Toiletrys
T 16
W 17 20 - BT 65 - BT
T 18 114 - C Tax 114 - C Tax
130 - Gas and Electric 130 - Gas and Electric
25 - Car Insurance Switch 25 - Car Insurance Switch
F 19 70 - Vodafone
S 20 99 - C Car Tax 99 - C Car Tax
40 - Deisel
50 - Tmobile 50.93 - Tmobile
20 - Drinks with Sophie and James
15 - Mum Bday Pressie
S 21 20 - Santas Grotto
40 - Meal
M 22 40 - Food Shop
T 23 50 - Hair
20 - Billy Pub
18.80 - Breakdown
W 24
T 25
F 26
S 27
S 28
* M 29
T 30
W 31
T 1
F 2 11.95 - TV Licence
113 - Carla Insurance
S 3
S 4
M 5
T 6
W 7
T 8 48 - Sky
* F 9
S 10
S 11
M 12 9.80 - Home Insurance
T 13
W 14

This is my spreadsheet that I try and work out each week for what I have to spend, dont know if it will come out as well on here as was done on excel but you get the drift. Not very immpressed with the BT Bill..... DF got shouted at. That will be down next month and Im also looking at reducing contracts on mobile! x

carkeyz

Well I didnt carry that on very well over xmas, will start another google spreadsheet in the new year I think when I am back into my routine. Thought I'd note what Ive spent today and see if I can keep posting daily.

Today we had to pop out and sort out somewhere to store baby clothes, only 3 and a bit months to go so we are inundated with stuff! Got some cheap plastic drawers to go under the bed - spent £30 on these but they were a worthwhile investment I think, then went to sport and ski... very cheap to pick up a few t shirts for DF - I think I am shrinking his, either that or he is putting on weight - got 5 t shirts and a jumper for £16! Bargin, and then went to argos, our TV aerial in bedroom has packed up and i refuse to pay £10 a month extra to have sky multiroom so we got another aerial. I had a £5 gift card as well that I got as I bought xmas pressies from there to the value of more than £50 before xmas - DF camera - so only spent £5.19 in argos We also got a maccie D's, I couldnt resist and bump needed junk So that was another £9ish. Hmm we have spent a bit today but dont have to worry about dinner tonight as am going to a friends for a meal tonight.....

Heres to a prosperous 2009!

x

Pips_Mum

Hey carkeyz glad to see you are Ok.
Have you managed to still not smoke?

carkeyz

I'm struggling to kick one in the evening but other than that not going badley! Am getting there! Still no sign of bump then?? x

carkeyz

Right here is a new SOA - this is subject to change in the next few months due to me going on maternity leave:

Statement of Affairs and Personal Balance Sheet

Household Information
Number of adults in household........... 2
Number of children in household......... 0.5
Number of cars owned.................... 2

Monthly Income Details
Monthly income after tax................ 1140
Partners monthly income after tax....... 1170
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 2310

Monthly Expense Details
Mortgage................................ 0
Secured loan repayments................. 0
Rent.................................... 400
Management charge (leasehold property).. 0
Council tax............................. 114
Electricity............................. 30
Gas..................................... 30
Oil..................................... 0
Water rates............................. 0
Telephone (land line)................... 30
Mobile phone............................ 120
TV Licence.............................. 11
Satellite/Cable TV...................... 38
Internet Services....................... 10
Groceries etc. ......................... 210
Clothing................................ 0
Petrol/diesel........................... 80
Road tax................................ 0
Car Insurance........................... 150
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...................... 10
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 0
Entertainment........................... 0
Holiday................................. 50
Emergency fund.......................... 50
Car/Xmas Fund .......................... 50
Total monthly expenses.................. 1383


Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 2500
Other assets............................ 0
Total Assets............................ 2500

No Secured Debt

Unsecured Debts
Description....................Debt......Monthly...APR
Debt Management Plan...........7900......188.......0
Total unsecured debts..........7900......188.......-


Monthly Budget Summary
Total monthly income.................... 2,310
Expenses (including secured debts)...... 1,383
Available for debt repayments........... 927
Monthly UNsecured debt repayments....... 188
Amount left after debt repayments....... 739

Personal Balance Sheet Summary
Total assets (things you own)........... 2,500
Total Secured debt...................... -0
Total Unsecured debt.................... -7,900
Net Assets.............................. -5,400

Created using the SOA calculator at https://www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission.

carkeyz

Wow just looked up and that looks brill Lets hope we can stick at it x

ragstoricheswannabe

with over £700 left a month you should be well above water!!!!! are you going to put some away for when you are on mat leave or throw extra at your debts?? i long for the day when i have that much left over a month.....

carkeyz

I doubt it will be left over but starting and sticking to a spending diary this month
I will be saving it for maternity leave as I want the extra unpaid 3 months x

carkeyz

Update time

Have spent far to much money over the xmas break and am looking forward to going back to work and being able to get back into my routine. Have done a meal plan for the week to last till Billy gets paid on Friday and will then do another to take us till the day after pay day - as this month am starting to do a rigid online shop - through a cash back website - and sticking to my monthly meal plan - we start our month from 15 Jan as thats the biggest pay day me being paid monthly and DF being paid 2 weekly - have also just ordered a pre-paid debit card as me and Billy a=have closed out seperate bank accounts with debit cards - we were wasting so much buying bits and bobs - and opened a joint account with just a cash card - so now we can do all shopping online through cash back sites

Happy 2009 every one, I have a really good feeling about this year x

njk0327

Hi, I hope that you dont mind me just butting in on your thread.
Congratulations on the baby front i just have a few pointers i hope you don't mind and if you have heard them all already just ignore me, lol.
-Have you signed up for all the baby websites? Pampers, Huggies, Hipp organic (well most of the main brands) all send you vouchers and free samples for signing up online.
the vouchers can be used at mr T's for outfits for the baby in the sale ofcourse, lol or off the weekly shop (at mr t's you don't have to buy the item on the voucher!).

-Also i wouldent go overboard on outfits in newborn or 0-3 months they grow out of them REALLY quickly! i also found it a good idea to make a list of things i would need in the first year though not straight away like feeding spoons bibs etc and get everyone to buy 6-9 and 9-12 months clothes as gifts not starter outfits.(you could always drop hints from a catologue to family and friends, lol)
Saves you getting loads of clothes they dont need or have chance to wear and more practical stuff they do need.
- sign up for tesco, sainsbury and boots baby clubs if you have the store local to you they send discount vouchers too on nappies etc, use a supermarket comparison site to get what you want the cheapest way.
Sorry for rambling on and i hope some of that was of some use to you.