Our Numpty Diary

novagirl

...ah found my diary again. Well it's no longer an 'our' really as the OH has decided to leave so it's just me and my daughter....and another on the way now too! Will get up a new SOA and see where I stand now. Will be interested to see how things have changed. I know the debts have increased as I stupidly paid off some of my partner's debts just before he left. STUPID STUPID!

novagirl

Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 1
Number of children in household......... 1
Number of cars owned.................... 2
Monthly Income Details
Monthly income after tax................ 630
Partners monthly income after tax....... 0
Benefits................................ 606
Other income............................ 0
Total monthly income.................... 1236
Monthly Expense Details
Mortgage................................ 267
Secured/HP loan repayments.............. 0
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax............................. 75
Electricity............................. 50
Gas..................................... 0
Oil..................................... 0
Water rates............................. 20
Telephone (land line)................... 18
Mobile phone............................ 18
TV Licence.............................. 12
Satellite/Cable TV...................... 0
Internet Services....................... 20.99
Groceries etc. ......................... 100
Clothing................................ 10
Petrol/diesel........................... 30
Road tax................................ 16
Car Insurance........................... 50
Car maintenance (including MOT)......... 15
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 0
Buildings insurance..................... 30.99
Contents insurance...................... 0
Life assurance ......................... 20.09
Other insurance......................... 0
Presents (birthday, christmas etc)...... 10
Haircuts................................ 0
Entertainment........................... 10
Holiday................................. 0
Emergency fund.......................... 10
Total monthly expenses.................. 783.07

Assets
Cash.................................... 0
House value (Gross)..................... 92000
Shares and bonds........................ 100
Car(s).................................. 4000
Other assets............................ 1000
Total Assets............................ 97100

Secured & HP Debts
Description....................Debt......Monthly...APR
Mortgage...................... 46000....(267)......5.6
Total secured & HP debts...... 46000.....-.........-
Unsecured Debts
Description....................Debt......Monthly...APR
Cards..........................6000......40........15
Family.........................48000.....0.........0
Total unsecured debts..........54000.....40........-

Monthly Budget Summary
Total monthly income.................... 1,236
Expenses (including HP & secured debts). 783.07
Available for debt repayments........... 452.93
Monthly UNsecured debt repayments....... 40
Amount left after debt repayments....... 412.93
Personal Balance Sheet Summary
Total assets (things you own)........... 97,100
Total HP & Secured debt................. -46,000
Total Unsecured debt.................... -54,000
Net Assets.............................. -2,900
Created using the SOA calculator at www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission, using IE browser.

novagirl

Looks to me as, although my debts are higher than the start of the year, I'm left with much more each month to get rid of them! I thought things looked bad but after doing that can see that it's more than manageable on my own.

Must get a car sold as I can't drive 2 at once or perhaps look into selling both and getting a much cheaper one. Will certainly need a car of some sort as we live in the middle of nowhere with unreliable public transport.

Income will change over the next months though as I go on maternity leave
Gladly take any further suggestions.

novagirl

well, well, well....how things change LOL

Nearly the end of 2010 and we have been back together for yonks LOL New little baby is here and wil be 1 in January! Where does the time go. Anyway....we still have some debts to pay off so a new SOA is in order.

novagirl

Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 2
Number of children in household......... 2
Number of cars owned.................... 2
Monthly Income Details
Monthly income after tax................ 600
Partners monthly income after tax....... 850
Benefits................................ 300
Other income............................ 0
Total monthly income.................... 1750
Monthly Expense Details
Mortgage................................ 267
Secured/HP loan repayments.............. 0
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax............................. 100
Electricity............................. 50
Gas..................................... 0
Oil..................................... 0
Water rates............................. 50
Telephone (land line)................... 15
Mobile phone............................ 35
TV Licence.............................. 12
Satellite/Cable TV...................... 0
Internet Services....................... 20
Groceries etc. ......................... 200
Clothing................................ 20
Petrol/diesel........................... 240
Road tax................................ 34
Car Insurance........................... 132.5
Car maintenance (including MOT)......... 10
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 40
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 0
Buildings insurance..................... 6
Contents insurance...................... 6
Life assurance ......................... 20
Other insurance......................... 0
Presents (birthday, christmas etc)...... 10
Haircuts................................ 5
Entertainment........................... 5
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 1277.5

Assets
Cash.................................... 0
House value (Gross)..................... 92000
Shares and bonds........................ 1000
Car(s).................................. 3000
Other assets............................ 1000
Total Assets............................ 97000

Secured & HP Debts
Description....................Debt......Monthly...APR
Mortgage...................... 46000....(267)......5.6
Total secured & HP debts...... 46000.....-.........-
Unsecured Debts
Description....................Debt......Monthly...APR
Cards..........................5798......0.........0
Family.........................45600.....0.........0
Total unsecured debts..........51398.....0.........-

Monthly Budget Summary
Total monthly income.................... 1,750
Expenses (including HP & secured debts). 1,277.5
Available for debt repayments........... 472.5
Monthly UNsecured debt repayments....... 0
Amount left after debt repayments....... 472.5
Personal Balance Sheet Summary
Total assets (things you own)........... 97,000
Total HP & Secured debt................. -46,000
Total Unsecured debt.................... -51,398
Net Assets.............................. -398
Created using the SOA calculator at www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission, using IE browser.

novagirl

WOW! Didn't realise that we'd added to our credit card debt so much since I've been on maternity leave. Really does pay to keep on top of your debt free diary! At least now I can see that we have £470 a month spare to pay onto our debts which is fantastic.

I have taken on a direct selling job with Phoenix Trading as I can do that on my days off of my 'normal' job. It'll be interesting to see how much profit I can make over the year from this after paying the tax etc. Really looking forward to debt-busting in 2011

novagirl

I do many things online to try and increase our income anyway I can. Will pop a list up for my own sake so I remember to do them.

MutualPoints
MoneyBackMadness
RewardTV
TopCashBack
Dooyoo ~ writing reviews

COMPING! ~ not definite income but you've got to be in it to win it

Shop and scan ~ transmitting barcodes of everything we buy
Taste radar ~ can claim the money back for fruit and veg each month by reviewing them.

Mystery Shopping

novagirl

Have signed myself up to a challenge and really looking forward to seeing my payments add up. I've been doing some daily clicks and have sent my barcodes for shopandscan.

novagirl

I won a video camera yesterday and a £100 gift card for La Senza today. Doing well on the comping front and the daily clicks are adding up Feeling very positive

We haven't done our Christmas shop yet...we don't mind what we have to eat so make the most of the bargain on Christmas Eve.

ehallett

Hi Novagirl

Welcome back to DFW land . Well done for winning the video camera and gift voucher. Are you going to keep them or sell them and pay off some debts?

Must get back into comping myself as I won quite a bit when I was entering loads.

I hope you all have a lovely Christmas and successful new year.

Emily xx