My 2009 Diary

get_me_debt_free

thanks, Just wanted to post my spends for today-
Ebay fees went out today £72!!!
Watched the yes man at the Cinema £6
Thats my spends for today.
I have also sorted my clothes out... so many clothes too small.. I need to lose weight bad!!
Took the dog for a walk again and collected enough sticks to lite the fire for the next 3 days..

Can anyone help with my SOA?

get_me_debt_free

Had a tuff day at work today its very quiet and no work coming in, All i need now is to lose my job!!
I have spent £5.10 on dinner for me and a work mate, However I have just made my Diet soup as today i start my diet, I have been good up to now. but night times are the worst for me. I got some stuff to tidy up later so will do that instead of eatting.I will take this to work tomorrow too and eat it till its finished, It's Very MSE. cost under 50p for a pan full i recon!
Kids have been going to after school club this week so I finished work early today and went for a hours walk with the dog. I so want to be fit for summer, I will go on the wii fit tonight and check my weight and do it the same time next week.
I think im sorting myself out now.
Hope you guys are all ok,

pixiechick99

Hi there,
I might make some soup too tonight, but will probably be lazy and do it at the weekend. I'm feeling rather unfit and flabby too, not hugely so butmkore tha I'm used to!! I need to exercise - should get our wii fit out really, but after working at school all day I'm physically shattered!!

I've had my 5th NSD of the month, really pleased and have decided not to go to the pub for lunch tomorrow with work friends aswe usually do, so prob have another NSD - I get quite obsessed with these NSDs....:p

Anyway, keep up the diary;)

get_me_debt_free

Hi there,
I bet you are tired working with kids all day!!
I have spent £10 today on a late xmas present for my best mate! Had to put fuel in the car too £20. Took food to work so all good! took the dog for a long walk, then got the dreaded monthly visit so i feel like poo... it hurts!! so I ate some chocolate then felt real guilty!! so i lit the fire and i will go have a shower and see if that makes me feel better! my friend started yoga she is aching today! so that sounds like a good activity to tone up!!
Have a good one x

get_me_debt_free

Feeling really P133ed off today, Havent spent anything yet, contacted the csa still no payment from evil ex, owes me 5 weeks now, starting to feel it too in my pocket, I am going to have to tighten my belt even more and its making me sad. Kids have come home from school with letters to go on trips and one is 85 quid! OMG! just dont know were its going to come from, I need to do a car boot sale or ebay or something, miracal maybe!!!

get_me_debt_free

Just checked my bank and updated my sig, I have paid off £230 off my debt since 15th december, feels good but what happeneds when you are over drawn!!! by 200 more than the 15th december??
I have had to buy a ski suit for my son today that was £20 and £7 for thermals. I am going to do some work now and hopefully it will stop me eatin,,, there is still xmas foods about.. wish it would disapear!!
Just checked my gas tank I have used 60% since August 1st 2008 just over 5 months. 12% a month tank costs £500 10%=50 pound so is that £52 pound a month?

get_me_debt_free

Had a NSD today, yesterday I went on a team building event, spent £20 on that, it was good fun,£5 for the bus and gave £20 back to a friend she let it me before xmas!
Lets hope this week is better money wise, CSA now saying that they have sent a letter to my ex, giving him 7 days to make payment or a deduction of earnings will be issued.

pixiechick99

Ah fingers crossed the ex pays up:rolleyes:

get_me_debt_free

yeah thanks x

I Still dunno what to do as im still spending more than I earn!!

tinypawz

get_me_debt_free wrote: »

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 This seems quite high for a landline. BT and Sky both do ll for about £10 and free call evening and weekend
Mobile phone............................ 35 Can this be changed to PAYG
TV Licence.............................. 12
Satellite/Cable TV...................... 7
Internet Services....................... 15 Sky do internet for £5 if LL or TV with them.
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 Unfortunatley this will have to be cut down or out entirely.
Holiday................................. 50 Again this is a luxury that you cannot afford at the minute
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.

Made some notes in red. Ex's are horrible:mad: . I really feel for you, I'm going through the same sort of thing myself. You'll get there in the end.