Inked Spending Diary.............

inkedelephant

Well in addition to that, I was thinking of a bday present for my best friend. Everything on amazon is just mega expensive with postage as well etc. At the end i got those charity things... where you buy something for a school in Africa .. in my case computer training for kids and the money goes there but my mate will get a card and website to say that , thats where the money has gone... it cost £11. I would have spent alot more on amazon and this helps charity. I just really hope she likes it. I love the idea of hampers and making calenders, which is probably something I wil do for christmas... but again postage costs loads so I'll have to take that into account...

epsilondraconis

It's great reading your diary InkedElephant. You are clearly making progress; however as others have said, not only are you still spending money on snacks etc, but you are also not eating the right kind of food to get you through the day.

BTW, I'm a fine one to talk, I eat lots of rubbish at the moment; however I'm trying to change and so by advising someone else, I'm also hoping to ensure I take my own advice.

If you have a microwave at Uni that you could use, you could reheat some food that you made at home. Moreover, perhaps you could make one of those chunky soups at home and put it in a thermos flask. Thay will stay hot for a while.

Anyway, keep adding to your spending diary.

I think it's well worth you adding your SOA to your diary as this will enable others to perhaps assist you with other bills / expenses that you have.

Intergalactic_Floozie

Yeh, I'm interested in reading your spending diary too. We sound very alike in our habits LOL. Keep up the good work

inkedelephant

Heya, Thank you SOOO much for your help so far. My SOA is below. I will be getting the income below until March. After that I don't know whats going to happen so I am looking for a job to help me get some more money from March onwards. but the money I'll be getting paid can pay off that debt... but I just need to be prepared for march onwards.... here it is....:

Statement of Affairs and Personal Balance Sheet

Monthly Income Details
Monthly income after tax................ 1300
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 1300

Monthly Expense Details
Mortgage................................ 0
Secured loan repayments................. 0
Rent.................................... 270
Management charge (leasehold property).. 0
Council tax............................. 0
Electricity............................. 15
Gas..................................... 20
Oil..................................... 0
Water rates............................. 20
Telephone (land line)................... 5
Mobile phone............................ 0
TV Licence.............................. 14
Satellite/Cable TV...................... 0
Internet Services....................... 6
Groceries etc. ......................... 80
Clothing................................ 10
Petrol/diesel........................... 0
Road tax................................ 0
Car Insurance........................... 0
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...................... 0
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 20
Haircuts................................ 10
Entertainment........................... 50
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 520


Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 0
Other assets............................ 100
Total Assets............................ 100


Secured Debts
Description....................Debt......Monthly...APR
Mortgage...................... 0........(0)........0<
Natwest Overdraft..............1200......-.........0<
HSBC Overdraft.................1200......-.........0
Total secured debts........... 2400......-.........-

Unsecured Debts
Description....................Debt......Monthly...APR
Total unsecured debts..........0.........0.........-


Monthly Budget Summary
Total monthly income.................... 1,300
Expenses (including secured debts)...... 520
Available for debt repayments........... 780
Monthly UNsecured debt repayments....... 0
Surplus(deficit if negative)............ 780

Personal Balance Sheet Summary
Total assets (things you own)........... 100
Total Secured debt...................... -2,400
Total Unsecured debt.................... -0
Net Assets.............................. -2,300

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

inkedelephant

Heya, hope you all had great days. Today I had an NSD! Tomorrow and Wednesday won't be but I aim for thursday and friday to be nsds.
I took so much food with me to uni... but the thing is... is that i just ate everything by 4:30!!!!!! So i gave up and came home at 5:30. Oh well!!!

inkedelephant

Spent £2.15 cos i wanted to buy a picture frame for someone. No particular reason I just was feeling down and needed some sort of acceptence.

smarties84

Hello, i am fairly new so probably not the best person to give advice but hey i'll try!
From reading your diary, i can see that you spend a fair amount on "snacks" that don't really full you up. So what about making something at home such as sausage casserole (lovely) and make a big batch so you can freeze some, take some to work rather than spending money on something that won't fill you up? I am very pleased to read you have had a couple of NSD, thats great.
Your doing well so far.

inkedelephant

I know its *only* tuesday but wednesday soon but ive not spent any money on snacks these last couple days... I have alot of snacks wiht me at uni or i take them with me. I normally take leftovers for lunch. Hopefully I'll get better! Thanks v.much tho :-)

miggy

Hi, I just found your diary and wanted to say it's clear you are getting to understand yourself and making real progress
It can be hard to be disciplined making sandwiches in advance, etc., and of course there will be times when you forget to take lunch with you or something. I guess you just have to forgive yourself & move on - after all, if it was your friend who was hungry I expect you'd say to them not to worry about buying something to eat when they need it, their welfare is important, not just the speed of repaying an overdraft.
Firesidemaid has made some very useful comments, all I can add to that is to plan in some protein each day, meat, fish, cheese or eggs, if you eat these, or vegan equivalents. It really sustains you better than snacks! Also go for low GI foods as they fill you for longer.
You're doing well, keep up the good work