My 2009 Diary

get_me_debt_free

Hope you guys don't mind me adding my Diary to this site, I have £8080 worth of debt, I have 2 children age 10 and 7 and I am a single mum. I live in my own house which I have a mortgage on. I work part time and I really want to clear most of my debts this year, I seen some of the Diary's on here and that inspired me to do it, with your help we can do anything i recon,
Well here goes-

Today I have checked my bank accounts
I have paid £2 off the 5 credit cards I have.
I have spent only 90p on library fines.
I have been trying to tidy my house from Christmas and Newyear,

I need to put some stuff in the attic but I need some planks anyone got any ideas what cheap wood I could use?

Also I need to start making a meal plan, As I do not want to buy food this month... I have a freezer full of Beef and Lamb and a cupboard full of food to use up. Any ideas what I could do with the beef and Lamb?

Happy Days xx

mooomin

get_me_debt_free wrote: »

Hope you guys don't mind me adding my Diary to this site, I have £8080 worth of debt, I have 2 children age 10 and 7 and I am a single mum. I live in my own house which I have a mortgage on. I work part time and I really want to clear most of my debts this year, I seen some of the Diary's on here and that inspired me to do it, with your help we can do anything i recon,
Well here goes-

Today I have checked my bank accounts
I have paid £2 off the 5 credit cards I have.
I have spent only 90p on library fines.
I have been trying to tidy my house from Christmas and Newyear,

I need to put some stuff in the attic but I need some planks anyone got any ideas what cheap wood I could use?

Also I need to start making a meal plan, As I do not want to buy food this month... I have a freezer full of Beef and Lamb and a cupboard full of food to use up. Any ideas what I could do with the beef and Lamb?

Happy Days xx

Hello!

Try this thread http://forums.moneysavingexpert.com/showthread.html?t=750489 for all the cooking ideas in the world! Also, head over the the Oldstyle board and they can give you suggestions too.

Have you posted a SOA (Statement of affairs) before? This lists all your incomings and outgoings and the people who post on here will normally be able to give you some useful pointers about how to make/save money.

Look forward to seeing how you get on!

get_me_debt_free

Thanks thats my next job. SOA
And Meal Planning!!

get_me_debt_free

I took the kids swimming today spent £9.20 on that and £10 on food after swimming, I then took a walk into town and walking past my local woolies that was clossing today, a store assistant handed me a bag and said what ever you can get in there is yours for £3, Wow, so managed to fill it will stuff like stickers, bulbs, stationary, lucky bags, note books and kids had 5 posters! brilliant bargin, stickers and kids things will go for school mates presents! will save me alot i think.
so I am going to use one of the note books now to write down how much I have spent so far this year.
Do I need to add DD to the note book or just extras spent.. What ya think??
xx

mooomin

get_me_debt_free wrote: »

I took the kids swimming today spent £9.20 on that and £10 on food after swimming, I then took a walk into town and walking past my local woolies that was clossing today, a store assistant handed me a bag and said what ever you can get in there is yours for £3, Wow, so managed to fill it will stuff like stickers, bulbs, stationary, lucky bags, note books and kids had 5 posters! brilliant bargin, stickers and kids things will go for school mates presents! will save me alot i think.
so I am going to use one of the note books now to write down how much I have spent so far this year.
Do I need to add DD to the note book or just extras spent.. What ya think??
xx

Everything you spend goes in the book, be it for DD or for you.

*stern face*

:rotfl::rotfl:

get_me_debt_free

What about my bills and mortgage?? they are all out the bank Direct Debit?

cozza123

I personally just put anything other than bills so I can keep a budget of what I'm spending over the week

mooomin

Sorry, my mistake! Some people on here use DS and DD as (I think, as a non-parent) abbreviations for Darling Son and Darling Daughter. I thought you meant your daughter :rotfl:

So to answer what you were actually asking I put anything that isn't a regular Direct Debit in my spending diary

get_me_debt_free

Today has been a NSD, We have eatten out of the cupboards and we also went for a lovely walk this afternoon in the woods, we collected some small twigs and sticks which we lit the fire with and I switched the heating off as the house is warm, I have had a leak under my sink!! so i got my dad round to fix it, good old dads hey! I then had to tidy under the sink, so I did that and the cupboards in my utility room, so I am now in the De-clutter mood..at least it stops me eating!!! i so need to lose weight!, I sat up till 2am this morning sorting my Budget for 2009, I have £250 to use to clear debts a month, thats if I get my CSA Payments as these have stopped since before xmas, I am going to try and spend only £120 a month on food thats for me a 10 year old dd and a 7 year old ds. I will try and only spend 80 a month on Fuel for the car... havent used the car today either!!
I am going to ring sky now and cancel it. My mobile is in contract for £35 a month, I am going to do my SOA now too.
I feel better about my Debts now just worried about what will happen if I dont get CSA anymore.
Thanks FF i kind of thought thats what you thought I ment, I havent got the hang on the MSE lingo yet !!

pixiechick99

Hi there,
Just wanted to say hello! I'm a single mum of 2 kids too - mine are girls of 11 and 9. I've been getting my finances sorted too and hope to pay about £200-£250 a month off my debts. I don't get a penny from my ex at the moment (:mad: ) as he lost his job in August. He's been doing casual stuff but I've only seen £100 since last summer:eek: So I'm thinking I should go to the CSA now as I keep asking for money but he says he doesnt have any....he can still go out with the girlfriend tho'
Anyway, I'm much better off on my own, I know where my money goes and don't waste any anymore. I've been meal planning too and only buying what I need. I'd like to get our grocery budget down as mine is £200 and that's only for 3 of us, so must try harder there!

Anyway, keep posting....will subscribe to your diary:p

get_me_debt_free

Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 1
Number of children in household......... 2
Number of cars owned.................... 1
Monthly Income Details
Monthly income after tax................ 452
Partners monthly income after tax....... 0
Benefits................................ 900
Other income............................ 0
Total monthly income.................... 1352
Monthly Expense Details
Mortgage................................ 480
Secured loan repayments................. 0
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax............................. 54
Electricity............................. 42
Gas..................................... 80
Oil..................................... 0
Water rates............................. 18
Telephone (land line)................... 25
Mobile phone............................ 35
TV Licence.............................. 12
Satellite/Cable TV...................... 7
Internet Services....................... 15
Groceries etc. ......................... 120
Clothing................................ 20
Petrol/diesel........................... 80
Road tax................................ 10
Car Insurance........................... 24
Car maintenance (including MOT)......... 10
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 40
Other child related expenses............ 10
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 17
Buildings insurance..................... 7
Contents insurance...................... 7
Life assurance ......................... 27
Other insurance......................... 13
Presents (birthday, christmas etc)...... 10
Haircuts................................ 17
Entertainment........................... 40
Holiday................................. 50
Emergency fund.......................... 0
Total monthly expenses.................. 1270

Assets
Cash.................................... 0
House value (Gross)..................... 120000
Shares and bonds........................ 0
Car(s).................................. 1000
Other assets............................ 0
Total Assets............................ 121000

Secured Debts
Description....................Debt......Monthly...APR
Mortgage...................... 112000...(480)......4.75
Total secured debts........... 112000....-.........-
Unsecured Debts
Description....................Debt......Monthly...APR
Tesco..........................2018......60........0
Hsbc...........................1985......60........0
Virgin.........................1812......25........0
Barclay........................1952......46........0
Capital One....................312.......10........0
Total unsecured debts..........8079......201.......-

Monthly Budget Summary
Total monthly income.................... 1,352
Expenses (including secured debts)...... 1,270
Available for debt repayments........... 82
Monthly UNsecured debt repayments....... 201
Amount short for making debt repayments. -119
Personal Balance Sheet Summary
Total assets (things you own)........... 121,000
Total Secured debt...................... -112,000
Total Unsecured debt.................... -8,079
Net Assets.............................. 921
Created using the SOA calculator at www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission.