My 2009 Diary

get_me_debt_free

Hi, Thanks for your reply, My mobile is in contract for 15months just renewed it before xmas.
Home phone and Broadband are with bt I am stuck with them till June and I might just get rid of it all together. I might get a dongle for my laptop instead so hoping to do that or go with sky for everything as they seam the cheapest these days.
I am going ski in this weekend for a week and thats our last planned holiday till my debts are clear, but I still got to find £500 for our ski passes and equiptment hire!
I will update MY SOA removing holidays and entertainment and see what happeneds to the total. I am going to have to try and cut down on bills too and after ski in I am going to list our stuff on ebay to see if I can get some money back as we wont be going for a long time,kids will have grown out of the ski wear by then!!

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
Hire Purchase (HP) 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.............................. 13
Satellite/Cable TV...................... 7
Internet Services....................... 15
Groceries etc. ......................... 100
Clothing................................ 10
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................................ 0
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 1134

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

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

Monthly Budget Summary
Total monthly income.................... 1,352
Expenses (including HP & secured debts). 1,134
Available for debt repayments........... 218
Monthly UNsecured debt repayments....... 201
Amount left after debt repayments....... 17
Personal Balance Sheet Summary
Total assets (things you own)........... 121,000
Total HP & 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.

This is the new one without Holidays and Entertainment.

get_me_debt_free

Spent £20 today on my friends Birthday present and new house present.£2.90 on my dinner at work, remembered my flask but forgot my dinner!!
Hoping for a NSD tomorrow, feeling a bit peeed off tonight.. I miss male company and getting fed up of being single now!!

beanielou

Good news is that your SOA is not in deficit now

tinypawz

get_me_debt_free wrote: »

feeling a bit peeed off tonight.. I miss male company and getting fed up of being single now!!

Welcome to my world!!!! I've been on my own for 23 months now (not that I am counting :rotfl: ). The only thing I can say is that it get easier with time. I really should get off my fat a$$ and get out 'there' looking.

Well Done re-jigging your numbers....you can rest easy knowing that everything is heading in the right direction.

Keep your chin up.

pixiechick99

tinypawz wrote: »

Welcome to my world!!!! I've been on my own for 21 months now (not that I am counting :rotfl: ). The only thing I can say is that it get easier with time. I really should get off my fat a$$ and get out 'there' looking.

Well Done re-jigging your numbers....you can rest easy knowing that everything is heading in the right direction.

Keep your chin up.

22 months here....!!!!!!!!!!!!! To be honest I don't mind - I think friends/colleagues think I need to find a man but I'm very happy with it just being me and my girls;) I don't have to please anyone, I can spend hours on the pc (and usually do!), not cook if I can't be bothered, go to bed at 9pm (like now!!) and well, just suit myself really. Yes, sometimes I think it'd be nice tofind a decent chap, but then the lazy part of me thinks it's all far too much effort, especially that getting to know you part....:rotfl:

And I really enjoy every other weekend when I have the place to myslef when girls with their dad:D

tinypawz

My lo doesn't see her dad often and only in my house. My way or no way.

I don't get any me time as such but to be honest I don't think I could have it any other way.

I miss geting into bed with someone....still don;t sleep too well. I keep reaching out for him during the night! (really must stop this!!)

I had by chatting to guy online, then texts, then on the phone for a few months and he just vanished into the ether!!!!

get_me_debt_free

I know I sometimes think they are hard work too, I seam to attact the dimlows.. who ust take take take... I am happy but miss a buddy to mess about with, My kids dont see dad so I can only go out when my parents can have the kids. I dont have much luck with Online dating!!

mum2one

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 - I know its not much of an increase, but from Jan they have increased the child benefit, the 1st child goes from £18.80pw to £20.00, (know its only £4.80 pm, not sure what the addition is to the 2nd child).
Other income............................ 0
Total monthly income.................... 1352
Monthly Expense Details
Mortgage................................ 480
Secured loan repayments................. 0
Hire Purchase (HP) repayments........... 0
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax............................. 54 - have you got the single person reduction, another thought from next tax yr, could you pay over 12 mths and not 10, free up bit more for debts
Electricity............................. 42
Gas..................................... 80
Oil..................................... 0
Water rates............................. 18
Telephone (land line)................... 25
Mobile phone............................ 35
TV Licence.............................. 13
Satellite/Cable TV...................... 7
Internet Services....................... 15
Groceries etc. ......................... 100 - that is excellent
Clothing................................ 10
Petrol/diesel........................... 80 - guess this cant be reduced
Road tax................................ 10
Car Insurance........................... 24 - at renewal, can you shop around, may get a better deal
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 - may be worth looking at the Thrify thread 2009, we aim to be money neutral and everyone is really friendly and helpful.
Haircuts................................ 0
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 1134

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

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

Monthly Budget Summary
Total monthly income.................... 1,352
Expenses (including HP & secured debts). 1,134
Available for debt repayments........... 218
Monthly UNsecured debt repayments....... 201
Amount left after debt repayments....... 17
Personal Balance Sheet Summary
Total assets (things you own)........... 121,000
Total HP & 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.

This is the new one without Holidays and Entertainment.

Hope you dont mind I made a few suggestions, at the mo you have £17.00 per month left, once the CSA get into action, ur be in a better position.

Have you thought of doing the daily clicks, surveys etc for extra money, write reviews for Amazon vouchers.

Without being cheeky, re your childs trips, I know our local school meets half the cost for children, whose parents recieve financial help.x

get_me_debt_free

Thanks for that mum to one, I do find it difficult with the school trips, but I dont like to ask, I cant get free school meals either and that mounts up,
I am hopin car insurance comes down this year, I got them through Quidco last year and got £50 cash back!I am not using car much in the hope of saving fuel!!
It can only get better... I had a letter saying that my mortgage will be £69 cheaper from March!! yippee