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IA's road to happiness.
immoral_angeluk
Posts: 24,506 Forumite
Hey guys. Yea I know what you're probably thinking.. another diary.. lol. I did have an old diary, but after Ste and I split I gave up writing in it as what I was writing ended up causing more trouble even though I didn't intend it to. So this is now my official 'new beginnings' diary.
My mission, to become a happier, better IA.
From this point on I'm not going to be mentioning anything about the break up unless it is totally relevant to something else. I have been like an emotional rollercoaster with it all for a month now, so this diary is moving on from that and concentrating on the future.
My current financial situation.
'Savings' (What I'm currently living off.) -
In bank account as of this morning - £368.97
One off money to come -
On way from paypal after ebay sales (should clear friday) - £85.26
Regular weekly income (confirmed) -
Child benefit (tuesday)- £31.35
Tax credits (friday) - £92ish
Regular weekly income (In the process of being claimed) -
Income support - £60.50
Total weekly income when all sorted - £183.85/£735.40 a month (based on a 4 week month)
Bills (Monthly - when all sorted)
Rent - £0
Council tax £0 (paid by housing/council tax benefit)
Water - £22.15
TV licence - £11.61
Gas/electric - £52.50
Phone/line rental/broadband - £30
Tax credits overpayment :rolleyes: - £10.61
Pet insurance - £7
House insurance - £6
Mobile - £40 (Can't get through to anyone to drop package down!!! :mad: )
Food - £200 (one adult, 2 children and a cat)
Band practice - £24 (£6 a week)
= £385.87
Debt -
Egg card £983 19.9% limit £1000 - £20 a month
Total outgoings - £405.87
= £329.53 for everything else. Social life, clothes, treats, extra debt repayment, etc.
My income support, housing benefit and council tax benefit are still going through in the system because tax credits made a balls up and told them I was working, so I had to correct them and then correct income support, so that's delayed that even more. Also the council are in the loop re housing and council tax benefit and are keen to get the claim going as soon as possible once my income support's gone through. I'm doing ok at the moment because luckily my incredibly frugal ways have for once paid off, so I've got a bit of savings with which I've been living off while everythings been sorted. That and I sold my excess AS stuff on ebay for a tidy £60 profit. lol
But anyway, this is my new beginning I guess. And herein lies the vessel for my random ramblings and financial calculations. Recently the problems have been kicking me when I'm down one, after another after another after another so right now I'm concentrating on become a happ, confident and content Sar. For both me, and my girls.
Us against the world I guess!
My mission, to become a happier, better IA.
From this point on I'm not going to be mentioning anything about the break up unless it is totally relevant to something else. I have been like an emotional rollercoaster with it all for a month now, so this diary is moving on from that and concentrating on the future.
My current financial situation.
'Savings' (What I'm currently living off.) -
In bank account as of this morning - £368.97
One off money to come -
On way from paypal after ebay sales (should clear friday) - £85.26
Regular weekly income (confirmed) -
Child benefit (tuesday)- £31.35
Tax credits (friday) - £92ish
Regular weekly income (In the process of being claimed) -
Income support - £60.50
Total weekly income when all sorted - £183.85/£735.40 a month (based on a 4 week month)
Bills (Monthly - when all sorted)
Rent - £0
Council tax £0 (paid by housing/council tax benefit)
Water - £22.15
TV licence - £11.61
Gas/electric - £52.50
Phone/line rental/broadband - £30
Tax credits overpayment :rolleyes: - £10.61
Pet insurance - £7
House insurance - £6
Mobile - £40 (Can't get through to anyone to drop package down!!! :mad: )
Food - £200 (one adult, 2 children and a cat)
Band practice - £24 (£6 a week)
= £385.87
Debt -
Egg card £983 19.9% limit £1000 - £20 a month
Total outgoings - £405.87
= £329.53 for everything else. Social life, clothes, treats, extra debt repayment, etc.
My income support, housing benefit and council tax benefit are still going through in the system because tax credits made a balls up and told them I was working, so I had to correct them and then correct income support, so that's delayed that even more. Also the council are in the loop re housing and council tax benefit and are keen to get the claim going as soon as possible once my income support's gone through. I'm doing ok at the moment because luckily my incredibly frugal ways have for once paid off, so I've got a bit of savings with which I've been living off while everythings been sorted. That and I sold my excess AS stuff on ebay for a tidy £60 profit. lol
But anyway, this is my new beginning I guess. And herein lies the vessel for my random ramblings and financial calculations. Recently the problems have been kicking me when I'm down one, after another after another after another so right now I'm concentrating on become a happ, confident and content Sar. For both me, and my girls.
Us against the world I guess!
Total 'Failed Business' Debt £29,043
Que sera, sera.
Que sera, sera.
0
Comments
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Total 'Failed Business' Debt £29,043
Que sera, sera.
0 -
Morning Honey:wave:
glad you are being positive:T:T:T:T:T
for you and those gorgeous girls of yours
Just one thing to say....
GET THAT FOOD BUDGET DOWN:D:heartpulsOnce a Flylady, always a Flylady:heartpuls0 -
Well the food budget is based on what I was spending before. But I already know it's less than this.. for example last week I spent £50... but the week before I only spent £35... so going to be a case of waiting and see how much I actually spend, but I already knows it's less. lolMorning Honey:wave:
glad you are being positive:T:T:T:T:T
for you and those gorgeous girls of yours
Just one thing to say....
GET THAT FOOD BUDGET DOWN:DTotal 'Failed Business' Debt £29,043
Que sera, sera.
0 -
You shall be forgiven then:T:T:T:Timmoral_angeluk wrote: »Well the food budget is based on what I was spending before. But I already know it's less than this.. for example last week I spent £50... but the week before I only spent £35... so going to be a case of waiting and see how much I actually spend, but I already knows it's less. lol:heartpulsOnce a Flylady, always a Flylady:heartpuls0 -
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Nice to see you back, with everything set out with new financial situation. Makes it alot easier to move forward when you know exactly where you are at. Anyhow nothing wrong with a new diary for a new situation.19th March 2007 LBM£5,969.63 1st January 2018 £5960.18, 1st January 2019 £11,032.0018th August 2023 £12,435.00, Student Loan £22244.00 From 2009-12Challenges: To learn to stop spending..0
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i like you
:heartpulsOnce a Flylady, always a Flylady:heartpuls0 -
Exactly. I've always been a 'doer' rather than a 'dweller' so I'm very practical and like to get stuff done hence why I'm always very exact and precise working things out to the last penny...Penny2myName wrote: »Nice to see you back, with everything set out with new financial situation. Makes it alot easier to move forward when you know exactly where you are at. Anyhow nothing wrong with a new diary for a new situation.
I call it organised... some may call it anal. lolTotal 'Failed Business' Debt £29,043
Que sera, sera.
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Ooooo a shiny new diary for us to [STRIKE]corrupt[/STRIKE], contribute sensibly to:D
The financial stuff looks pretty sorted Sar I have a feeling that things are going to be OK for you and the girls my friend xxBut these things take time, I know that I'm, the most inept that ever stepped.0
lol 
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