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determinedtodothis

Statement of Affairs and Personal Balance Sheet
Monthly Income Details
Monthly income after tax................ 2240
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 2240
Monthly Expense Details
Mortgage................................ 822 Includes £248.65 towards Arrears
Secured loan repayments................. 326 Includes £100 towards Arrears
Rent.................................... 0
Management charge (leasehold property).. 85.00
Council tax............................. 105.00 Includes £20 towards arrears
Electricity............................. 50.00
Gas..................................... 0
Oil..................................... 0
Water rates............................. 0
Telephone (land line)................... 40.00
Mobile phone............................ 25.00
TV Licence.............................. 12.00
Satellite/Cable TV...................... 9.99
Internet Services....................... 7.00
Groceries etc. ......................... 80.00
Clothing................................ 30.00
Petrol/diesel........................... 28.00
Road tax................................ 20.00
Car Insurance........................... 50 Ends in Jan so can shop around
Car maintenance (including MOT)......... 12
Car parking............................. 0
Other travel............................ 318 Train fare to work
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 11.7
Buildings insurance..................... 0
Contents insurance...................... 13.98
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 30
Haircuts................................ 39 Really only every 6 weeks
Entertainment........................... 50 Will try & Cut this but its hard for xmas
Holiday................................. 0
Emergency fund.......................... 10
Total monthly expenses.................. 2174.67

Assets
Cash.................................... 0
House value (Gross)..................... 135000
Shares and bonds........................ 0
Car(s).................................. 4000
Other assets............................ 0
Total Assets............................ 139000

Secured Debts
Description....................Debt......Monthly...APR
Mortgage...................... 85000....(822)......6.9
Secured Debt.................. 3200.....(326)......0
Total secured debts........... 88200.....-.........-
Unsecured Debts
Description....................Debt......Monthly...APR
Cahoot.........................5917......20.75.....0 Interest Frozen
Egg............................7195.5....25.25.....0 Interest Frozen
Capital One....................950.......10........0 Interest Frozen
Car............................2300......0.........0 Interest Frozen
Total unsecured debts..........16362.5...56........-

Monthly Budget Summary
Total monthly income.................... 2,240
Expenses (including secured debts)...... 2,174.67
Available for debt repayments........... 65.33
Monthly UNsecured debt repayments....... 56
Surplus(deficit if negative)............ 9.33
Personal Balance Sheet Summary
Total assets (things you own)........... 139,000
Total Secured debt...................... -88,200
Total Unsecured debt.................... -16,362.5
Net Assets.............................. 34,437.5
Created using the SOA calculator at www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission.

determinedtodothis

Ok i've seen people say a spend diary helps so thats what i'm going to do i'm just going to come on and edit it as i go (sorry its a bit boring)

Monday 01.12.08

Xmas Party £34.98


Tuesday 02.12.08
No spend day! :j

Wednesday 03.12.08


Nada, nothing, Nought! :j

Thursday 04.12.08

money owed £25.00

Friday 05.12.08

Shopping £15.00
Petrol £7.00
Pay Paragon £266
Pay BT £23.75
Buy Train ticket £80.00

hypno06

Its not boring at all - it give us all something to [STRIKE]nosey parker[/STRIKE] give constructive feedback on.....

determinedtodothis

thanks hypno - i figure if i am strict and post everything i will be 2 frightened to slip and splurge because hopefully you'll all tell me off :rolleyes:

determinedtodothis

Woohoo NSD number 2 in December come on!!! :j broke into a sweat at the vending machine at 3pm the chocolate was calling me and the £2 in my pocket was burning a hole but i said Hell No! got a free hot chocolate from the drinks machine and walked away

God i feel like and addict thats broke free - £2 towards a debt my mini challenge this week is to keep that £2 in my pocket and hand it over to a creditor on Friday when i pay my bills for the week - the gloves are off!

mizmir

That's the spirit! And brave move posting your spending diary on here - I wouldn't dare! :eek::o:D

determinedtodothis

Well 10:46 and i still have my shinny £2 coin :rolleyes:

Was going to have a NSD today because i'm being taken out for a big lunch for a thank you for some work i did but i need to pay a friend some money back that i'd forgotten about I am quite tempted to ask her to wait to tomorrow because thats already a spend day as i get paid *LOL* - not sure thats the idea of the challenge thought!

fingers crossed for the interest rates today i hope that we get at least something passed on.. Oooh question my paragon loan - they kept putting it up because the "couldn't swallow the extra cost" but as of yet haven't reduce it - should i contact them and ask?

determinedtodothis

:j :j :j

Well my NSD that turned into a SD wasn't too bad turned out she owed me £5 so i only had to part with £25 today i am going to:

Pay Phone bill done
Pay Paragon done
Buy my weekly travel ticket
Get my Petrol
Get a food shop and try and buy for less that £15
Do the washing
Write my xmas cards (bought the stamps months ago :rolleyes: )

Then this weekend i am doing absolutely nothing - 2 NSD's or thats the plan i may walk over to a friends for a cup of tea on sunday but a nice quiet one for me

My interview went well and i am just waiting to hear Fingers Crossed!

If i don't post again have a lovely weekend everyone

Lemon_Tree

hi, just found your diary and it's great to hear someone so upbeat.
Just think if you make your christmas 2009 challenge you'll be debt free!

determinedtodothis

Thanks Lemon tree!

I'm trying my hardest not to let it get to me because i'm an emotional spender and when i'm down i spend, then i spend coz i'm down big big circle!

i'm actually finding posting on here is helping because it helps you focus on what you have done as well as what you haven't, i've failed so much in the past because i havent' realised that actually, i haven't done to bad - adding up what i'd paid off in 3 months at the start of this diary was the realisation because i was about to give up!

I still have my £2 coin by the way its waiting for the broadband bill on thursday :rolleyes: I so hope i do manage my £20k by xmas 2009 i've had a bad couple of years and it would be great, 2009 us my getting where i wanna be year so 2010 i can be debt free, a MFW and i can have a holiday for the first time in 3 years. i'm fed up owing