mummy saving for a debt free day!

Pips_Mum

Oh you have had a shocking weekend havent you mummy?
Poor thing.

I fell over when I was about 26 weeks and it terrified me. Everything was Ok but it really really shook me up. Glad you were both OK too and very glad you went and got checked out.
I would complain to Mr T definately.

Have you heard how much car is going to cost yet?

mummy2mygirls

hello smarties! hope you find out about the job soon.....ill be looking out!

just had a call from the midwifes at the hospital to say my bloods have come back showing that i need the injection, they were looking to see if there was any bleeding from the placenter and its showed there is/was....hopefully its not to bad. I feel fine so im sure its ok, as long as i dont start bleeding....Just means a trip back to the hospital, means petrol and parking costs for my planned nsd!! but cant be helped.

Also just checked online banking and oh has been paid and again hasnt been paid his over time!!!! whats the point in him working saturdays as he never gets paid, it was meant to be on last mths (was due about 3 saturdays, then boss said he had taken two of because of time of oh had when i was in hospital) but he didnt get the one he was owed, was told he would this mth but again its not been included!!! so oh is calling his boss to moan even though he is in america on holiday!!(it is there work mobile he will be using!!)

At least i can now do a budget for next mth and try and see how much we can pay of etc.....

mummy2mygirls

hi pips mum,
we are lucky that the car should (fingers crossed) bhe ok for a while aslong as we keep the diesil full and not go to low.... so atleast there is no extra cost this near xmas...
how are you?? and the baby...any signs (sorry i know how anoying that is when your obviosly not had baby or in labour otherwise you would of said but people always ask!)

Pips_Mum

Oh no, the cursed weekend has continued into Monday.

Fingers crossed the bleeding is minor and the injection sorts it out. The midwives are very clever ladies and they will do whats best for you and little one. Dont even worry about the NSD, the parking fee and petrol are minor on your DFW journey compared to a healthy baby.

Very annoying about OH wages. Mine didnt get correct pay for over 3 months but got it all backdated on Friday which was quite nice!!

mummy2mygirls

thats one good thing, atleast we cant spend it!!lol...but i wanted to put it towards the curries debt.

I have just transfered the right amount to make up to the £800 (when tomorrows payment goes into that account) and then worked out a soa for now till the end of jan. It is a little tight and have made it so all my money is acounted for so the surplus at the end is little but thats becasue of putting the extra towards the curries, but after xmas i will ring up and pay the full amount of!! so im really happy with that....so here it is so i can keep a look at it over the mth:

Statement of Affairs and Personal Balance Sheet
Monthly Income Details
Monthly income after tax................ 2384.74
Partners monthly income after tax....... 0
Benefits................................ 167.15
Other income............................ 0
Total monthly income.................... 2551.89
Monthly Expense Details
Mortgage................................ 810
Secured loan repayments................. 0
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax............................. 99
Electricity............................. 60 I know these are both really high going to look into it in new yr
Gas..................................... 64
Oil..................................... 0
Water rates............................. 47
Telephone (land line)................... 25 This is what i paid last mth but it seems higher then most mths normally are
Mobile phone............................ 48 This is for three mths worth dd has mucked up so it hasnt been paid!! so going to pay it all of this mth
TV Licence.............................. 12
Satellite/Cable TV...................... 0 Got it free this mth as last mth paid to much when lowering the package
Internet Services....................... 10
Groceries etc. ......................... 250 £100 less then my gc target for the last two mths....can i keep to it???ill try my best
Clothing................................ 0
Petrol/diesel........................... 80 Not really sure i f i will use all of this, depends how many trips to mils etc...
Road tax................................ 40 Havent saved any towards next yr so want to save £40 for the next 4 mths to cover a yr when it comes up!
Car Insurance........................... 40
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 8
Pet insurance/vet bills................. 14
Buildings insurance..................... 15
Contents insurance...................... 19
Life assurance ......................... 29
Other insurance......................... 16
Presents (birthday, christmas etc)...... 40 Only this high this mth as have dd2s bday and havent saved towards it, wont need to much as not having a big party etc as she is only two
Haircuts................................ 0
Entertainment........................... 150 this is a bit hit and miss i hope i can make a budget so this goes to a certain amount a week for dh to take for work and cigs etc.....
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 1876

Assets
Cash.................................... 0
House value (Gross)..................... 160000
Shares and bonds........................ 0
Car(s).................................. 10000
Other assets............................ 0
Total Assets............................ 170000

Secured Debts
Description....................Debt......Monthly...APR
Mortgage...................... 129000...(810)......6.2
Total secured debts........... 129000....-.........-
Unsecured Debts
Description....................Debt......Monthly...APR
Tesco cc.......................4500......135.......16.9
Abbey cc.......................1100......50........19
Sofa...........................495.......70.8......0
Bank of scotland...............13000.....280.......20
ge money.......................7000......116.......13
overdraft......................2550......22........12.9
Total unsecured debts..........28645.....673.8.....-

Monthly Budget Summary
Total monthly income.................... 2,551.89
Expenses (including secured debts)...... 1,876
Available for debt repayments........... 675.89
Monthly UNsecured debt repayments....... 673.8
Surplus(deficit if negative)............ 2.09
Personal Balance Sheet Summary
Total assets (things you own)........... 170,000
Total Secured debt...................... -129,000
Total Unsecured debt.................... -28,645
Net Assets.............................. 12,355
Created using the SOA calculator at www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission.

As said this is only for this mth so i know what we have so i havent included any holiday/clothing funds etc as i am making some extra payments etc so will go without this this mth!! Any extra money i make on surveys ebay etc will go towards extra payments for the cc and i will also try to make the pad out of extras and left over from entertainment (my weekly amount...)

So now just going to work out how that £150 can/will be split between dh, me and extras at weekend etc....

If i can stick to this i will be very happy! will have a think about where to keep extras as would like to just keep the amount for the dds in the bank, so they are there ready etc...

Pips_Mum

Hello Mummy

I hope you are Ok and that the midwife has sorted you out after your fall.

Incase I dont get on here tomorrow have a lovely Christmas and enjoy your time with your family. X X X X

:xmassign::xmastree:Happy Christmas x x:xmastree::xmassign:

mummy2mygirls

thank you! hope you have a lovely xmas aswell! going to pop over and see your diary in a min....

Today we have been shopping for some last little stocking fillers and last min presents! managed to get dd1 the swimming baby born baby for £15 from wollies, she wanted it for her bday but it was £30 so didnt get it and wasnt planning on getting it for xmas either as its sooo much for a doll but glad we got it for such a good price, also got a big box of tractors and farm bits (i know we have girls but they love them as there grandad is a farmer!!) For £2.98 so was very happy with that!!
Dh stayed and got me some presents and has added them on to the abbey cc!!! we knew this would happen as we have sorted out any extra for the Curries. But i hope its not to much!! Had to draw £10 out for parking etc (had to go in car and van!!) but had been paid £10 from the scratchcard site so used that, so still on for the budget. and have put all the change back into my pot towards paying of debts!

Joined the summer sizzler challenge so i need to make a extra £1009 by the 22nd June! I will do it. Requested some money from topcashback and also from dh's Ciao so will count them once they come in. Also did my scratch card at £1.70 so far!

of to go and have a look around the site now.

smarties84

Ahh glad you got some good bargains today. I have a DD but i have bought her a garage with cars etc aswell as other stuff, she likes cars LOL

mummy2mygirls

I just wrote a big post and the internet shut down and lost it all!!:eek:

Had great christmas and got lots and lots of lovely presents, the girls loved it and my living room now looks like a toy shop!!! do not have a clue where i will fit them all in there rooms!! think i will be selling some of ebay that no longer get used soon...... Also got a lovely (well ended up with two of the same!!!) cookery books, its full of thing i will actually want to cook, including lots of cakes brownies and bread etc....looking forward to making some soon

Just had a look on the online banking and we have hit the poor cc this christmas!! i feel soooo bad and really wish we could of not spent on the cc. But we have and now we WILL try our hardest to pay it all of as much as possible. I have talked to dh about the budget and he has agreed to try and stick to it. So i really hope we can..

I got paid £35 for mystery shopping and £5.19 from topcashback so have put them both into my account with the small overdraft in (£50) so i can get that taken of and then i will make my PAD payments into that account and then make bigger payments into my cc when i go to the bank (havent worked out how to do online payments on the abbey cc!!!) So i dont have very far to go till i have paid of that overdraft and will feel happy with paying it off even if it is just a little one!

My dad also gave us £100 to get out self some thing or to get our dishwasher fixed, so not sure wheater we should get the dishwaser fixed (not dfw but will make life a lot easier for me!!) and a new kettle (ours is on its way out!!) or just put it towards the cc...........

Oh and we got a new phone from mil so now we dont have to buy a new one!! so thats something else of our wish list!

what a long post from me!! of now to look for some surveys and have a look round this site as dh is watching the box set i got him for xmas!
xx

mummy2mygirls

Ok with the snowball for my two cc and the scs debt paying the same amount that i have set by for this mth towards the debt i will pay of the abbey cc JUNE 2010!! and the tesco one SEPT 2011!! there is no way this is going to be the case i will have it cleared before then, but i just wanted to keep a note of what it says today and then i can keep looking and hopefully see the dates get nearer!!!

I have also paid £40 of the tesco cc as thats the amount for the car tax i want to put away so i thought i will pay of the cc with the amount over the next few mths then pay for the tax with the cc but atleast i will be getting carged a little less interest on that amount till april...