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

ragstoricheswannabe

Monthly Income: Total: approx £3485 (based on march having 5 weeks)
My wage: approx £1000?
Oh wage: £1960
Child benifit: £125
Tax credits: Approx £400?


Monthly Outgoings: total: approx £3038.52 (need final figures for childcare and petrol)
Personal loan = £0 (second free month)
Joint Life Ins = £22.33
Sky/broadband = £32.00
House phone = £15.00
Council tax =£0 (second free month)
Water =£33.07
Dentist =£16.50
TV License =£11.61
Mortgage =£865.01
Gas & Elec =£70
Mobiles *3 = £160 ( really need to cancel third phone)
Childcare = approx £760?
Food =£250.00
Kids savings =£10
My savings =£50.00 (pays for car tax, ins etc & emergancies)
Petrol =£250??
Xmas saving = £50.00
Pay back mil = £50
Egg 1 = £50
Egg 2 = £50
Added: pin number - £76
final bill for gas and elec = £156+£61

This should leave £446.48 after paying debts!!!!!!!!

That is much better than i thought, i must of missed something out???????? surely i cant have that much left over.............................if that is right then there is no reason we should be in the situation we are!!!!!!!!!!!!!!!!!!!!

Some of the bills to pay will be higher as calculated the wages for 5 weeks but petrol, food and childcare for 4 weeks for some reason, but will still have a good excess left if we dont go overboard and oh stays out of the garages. My debt free date will be before 2014 at this rate!!!!!!!!

smarties84

Do you have a link for the autiva thing for ebay hun?
Sorry not posted for a while but i have been following ur diary, me, dp and dd have all got/bad the sickness bug i currently have no energy and major stomach ache....
I am pleased ur doing so well, wish i was matey x

mummy2mygirls

smarties hope your all feeling better soon x

Rags i think it looks fine and cant really cut back - apart from the mobiles... do you have any other insurances like house insurance and things like that??Also i know everyone would say the sky - but you need some pleasures!! we have sky but have lowered it to the lowest so a kind of compromise!!lol

Your doing fine with youe debts! so dont worry im sure you will have them gone before 2014 aswell. mine when done altogether says something silly in yrs to come so i am not trying to think about that yet.......will just see how i get on.

ragstoricheswannabe

Hiya, the other insurances i pay yearly but am gonna need to put a little more away soon to pay for them. Our sky is that much as its sky (no movies or sports), broadband and multi room. Our tv isnt digital upstairs so had that put in instead. was handy when ds2 was a tiddly baby as it meant i could doze of sorts whilst ds1 watched tv in bed with me. now it just saves us having to buy a digital tv when it switches over sometime soon.......(think its june time for us??)

well went shopping with good intentions and still spent over £70 this week!!! i bought quite a bit of fruit and veg to get us all eating a bit better and can use the leftovers for ds2's purees. why is eating better more expensive??!!!

Forgot to add the extra coming out to pay gas and elec final bills, but need to ring them and ask them to take it out a little later to ensure we dont go over the overdraft limit......................

i cant wait for the day this is no longer a worry and we are debt free and living within our means!!!!!!!!!!!!!!!!!!!!!

mummy2mygirls

yeah for the debt free day and when we can all just live sensible...........................

natsplatnat

ragstoricheswannabe wrote: »

i cant wait for the day this is no longer a worry and we are debt free and living within our means!!!!!!!!!!!!!!!!!!!!!

Oooh - ME TOO!

retrocircles

My gas bill was £160 in credit, now they have a correct reading I'm £8 in debt. Could have really done with that cash right now!

I hope you've been doing some Ebaying! Well done on your scratchcard win!

I think you're doing really well! Congrats chick!

ragstoricheswannabe

Hello everyone! Ds2 full of a cold today bless him and i am starting to feel a little bunged up and fuzzy headed. Have dosed ds2 up with calpol and vapour rub and im enjoying a hot vimto! Despite this, i have done really well today and actually got loads sorted.

• i have rung work and got my rota (boo hoo )
• sent off the £76 for my pin number renewal (cant work without it)
• sent off the £30 off elec voucher
• opened bank account for ds2 and set up standing order to pay £5 in every month
• rung and tried to cancel oh second mobile but still need to write a letter (actually got the address this time)
• found ds2's teething powder £2 cheaper than in asda:D
• cashed in cheque from annoying advert people

Not bad for a day, still a little worried bout the bank balance before the mortgage comes out in a week, still have to get some work pants, ds1's curtain pole (although have £10 voucher towards it) and next weeks shopping so we are really cutting it fine..................................... and we are still waiting for oh's overtime money!!!!:mad:

ragstoricheswannabe

:mad: :mad: :mad: Just checked bank balance and had to up the overdraft to £3k to make sure the mortgage and everything else goes out without going over causing charges.:mad: :mad: :mad:

really not happy about it but nothing else i could do!!!!!!! hoping when i start getting a wage in this will reduce dramatically!!!!! really am going to have to take it easy with debt repayments next month and we are now considering taking a mortgage holiday to help get us out of the overdraft.

why is it some people seem to find repaying debts off no problems and can pay huge amounts off in short spaces of time whilst others (me) struggle despite trying so hard?????

natsplatnat

Oh Rags!!! I'm getting there really slowly too!

I'm sure when you get back to work things will settle down into a nice new debt-busting routine!! We all know there is no quick route to becoming DF!! Its going to take a while (and I mean a while!!)

Just remember (for your own sanity!) that you have done really well to date and you will continue to do so!! Any extra thrown at the debts is a bonus!! You just have to leave enough for the essentials (sorry, don't want to sound like I am preaching!)

Have you thought about setting aside money as you go into a separate account and then put it toward the debts at the end of the month when you know you can definitely afford it?

Let us know what you decide on the mortgage holiday - maybe post as a separate thread if you would like some suggestions (sorry, non from me - never had a mortgage!!)

Big hugs, Nats x