My rags to riches, weight loss, yummy mummy stuff and 'owt else i can think of diary!

ragstoricheswannabe

This isnt so much of a post, more the ramblings and figures that are in my head:

ok, so when i go back to work it should look something like this:


Monthly Income: [strike]£2237.00[/strike]
£3177?? inc tax credit and child benifit


Monthly Outgoings: [strike]£2135.32 [/strike]£2887.67

Personal loan = [strike]£173.80[/strike] £151.15
Joint Life Ins = £22.33
Sky/broadband = £32.00
House phone = £15.00
Council tax =£115.00
Water =£33.07
Dentist =£16.50
TV License =£11.61
Mortgage =£865.01
Gas & Elec =£56.00
Mobiles *3 =£160.00 (18mth contract on 2) one of the mobiles is going as contract up soon, oh needs to ring and check and give 30 days notice if able......
Childcare =£180.00£800??
Food =£200.00
Kids savings =£5.00 £10 for 2(pays for things needed through year)
My savings =£50.00 (pays for car tax, ins etc & emergancies)
Petrol =£100.00 £250.00?
Xmas saving = £50.00
Pay back mil = £50
so by my guestimate that leaves [strike]£328.68 [/strike] £289.33for anything not budgeted and debt repayments except for the loan which is direct debit every month.

Am paying £150 towards the 2 credit cards and next account so that would leave £139.33 for everything else. luckily will have savings for the cars (mot and tax and stuff). its tight and i hope its do able.

on the plus side i will have paid off about £3500 off my debts from march so including the totals from jan and feb should hopefully be on my target for £4k paid off this year.....
£1360.35 off the loan
£450.00 of mil
£1350 off credit cards

natsplatnat

Hi Rags!! Nice to see my rambling is contagious!!!:rotfl: It does help to put everything down on paper I find!! :rotfl:

Do you really pay £160 on mobiles each month?
Water - is that usage and waste water? Are you on a meter?

It looks like you have everything under control!:T

ragstoricheswannabe

Afraid we do pay that much on mobiles but was £150 this month but this will be reduced as soon as i can get my fella to ring and find out when one of the contracts end (sure it is soon) and give the 30 days notice!!!!!! then will be paying about £100 a month. (will then only have 2 phones, one each) Have changed home phone providers and only really use it to call 08545 numbers so going to put the package down to the bare minimum and see if i can use the 18185(?) number to get the calls cheaper.

The water is for everything and not on a meter. it is that much as it includes a £99 bill i didnt pay last year as my fella opened the bill and lost it (??????) before i got to see it and pay it.:mad:

I find writing out things like this no problems, its sticking to it thats hard!!!!!!!!!!

Happytogetdebtfree

Hiya ragstoriches, hope the weightloss is going well, im on the slimming world :d and im also using the paul mckenna book pretty good. Im getting married in august and debtbusting also its hard graft. I am a nurse also ive just got a job on ICU and i start monday yay nervous but excited i cant wait for payday now yaaaaaau

ragstoricheswannabe

hiya happytogetdebtfree, congrats on the new job and wedding!!!!!! you have done well to get a job in the nhs in the current climate!! i tried the slimming world with my mum and put weight on!!! think i went wrong somewhere ha ha ha! weigh day tomorrow but feeling very bloated today so think i may put on again this week.

Happytogetdebtfree

lol i am already in the nhs it was internal post everybody needs nurses, tbh i think this is the year for me and getting some serious debts out of the way lol :d im sure you have done well, if you have eaten well im sure you have done fine. yes slimming world is a take it or leave it diet but i do love the chips x

ragstoricheswannabe

jammy so and so.....................!!!!!

Happytogetdebtfree

i wish lol.... 2 stone to shift before the wedding where do you work as in what area of nursing general medcine or specific ?? x

ragstoricheswannabe

worked on orthopaedics before having ds1 but had to leave when ds1 was born as was an hour away and couldnt get childcare to start at 6 ready for my shift at 7.30am. am now working in a nice nursing home but its not really nursing as such although i love wounds so love it when somone comes out of hospital with one!!!! gives me a sense of achievement when you see it start to heel!!!!

Happytogetdebtfree

lol yes an hour is a long way to travel im 10 mins from work yay well at least your not back in work till march and lake district sounds loverly x