My Journey

savingholmes

HI pleased you spent something on you for a change! Debts still coming down and savings improving - well done you!

New job is okay - tiring. I am just worried in case they a) don't like me b) I get too overloaded. But next week kids at MILs so actually that takes some pressure off! It will also help save some grocery money as MIL won't take any off us and they are there from Sunday night to just after Friday lunch! I may reclaim DS early (thurs) if he hates it too much (he gets really bored!)

bevan840

Hi guys, hope your both ok x

Well, seems to be that time of the month again, time for working on SOA and Snowballs again Will see if I can get a minute of peace at some point today (not likely as boss keeps bringing his daughter to work!!!! :mad:)

I know for a fact that the debt won't have gone down much unfortunately as needed to pay for AAT registration on CC1 And have also purchased some flanelette sheets from Littlewoods, I'm freezing when DH is away and thats with winter pjs, thick socks, hot water bottle, 2 blankets on top of duvet AND having the heating on overnight!!! Mum sent some up but she didn't realise that 2 out of the 3 were for single beds!!! :rotfl: So they don't really fit on my double hehe

Having a few troubles with DH but seem to of found out what it is and a possible solution, so will be making an appointment to see a Dr and get the ball rolling in us having a lil one With DH having the snip it makes it difficult and will probably take awhile so no harm in getting it started now When saw GP about the weird symptoms I was having a few months ago he said he could refer me, so going to ask for that referral *fingers crossed*

Unfortunately the little 'me' shopping seems to of unlocked a flood gate and I want to go do it again!!!! :rotfl: But behaving myself and not taking any money out as I know what would happen to it!!! hehe Need to pay gas today anyway so that money will finally be out of my purse so I don't keep thinking about it!!!

Half term this week so no college, have an assessment I need to start though on Health & Safety, we had 2 choices, gain the evidence and a signature from your workplace or do the assessment, there's no chance of getting any evidence from here as it doesn't exist! What I do know about Health & Safety I have told Manager about but he doesn't act on it. so thought assessment would be the best way to do it. Started all the reading yesterday, now have to look through the workbooks, will write answers on normal paper first until I am happy with them, then write them in the answer book. The new unit is to do with accounting and my god it's confusing!!!! lol But it seems to be sinking in atleast DH was grumpy on Thur as I said I might be out by 8 as usually I am, so he came at 7:50 and I didn't come out till 8:25 :doh: He likes to be there early, not that the traffic gets busy or anything, I had 2 texts and 1 phone call! But phone goes on silent while in there as I'm there to learn and not to be distracted. He knows that college can go on till 9, but conveniently forgot (Men!!)

I've dropped the SO to honeymoon fund for the rest of the year to £5 a month, will help for Xmas, I was considering money for family but then had a thought about boots which is where I usually get the families pressies, 3 for 2's might save me some money!! lol So will have a peep on website and see if I would save anything. PAD is still going, 7p every monday gets transferred in Oct Grocery budget I think will be shot out of the water again. Moving budget is set at 1p per month, didn't want to cancel the SO so put it at 1p so I could just increase it when we are ready to.

Spreadsheet is still working, loving it!!! Have now changed my 'mock up' again to include where we live now instead of moving, and instead of paying rent weekly start to pay it monthly. When Landlord worked out the rent he said the monthly rent is £450, so divided it by 4 and got £112.50, and they dropped the 50p so it would just be a round figure, now if you multiply £112 by 52, then divide it by 12, we are actually paying £485.33333333333 etc a month so they are gaining an extra £35 a month, so I worked out if we pay monthly we could save that £35 and put it towards a CC, on the mock up I could have rid of BOTH CC's by end of next year!!!! At the moment the soonest we could afford to pay up front is June, but working on spreadsheet to bring it forward a little

Hope everyone is ok,
Hope the job is still going well SH and your ok Jo xxxx

savingholmes

It sounds like you are making progress. The landlord should have worked out the monthly rental multiplied it by 12 before dividing by 52! Cheeky!

bevan840

He's not the sharpest tool in the box hehe

bevan840

Right, a bit late in doing this month but will do it now (so long as boss doesn't turn up too early)

Haven't done SOA yet, but will get round to that this afternoon hopefully.

GC - £241.19/£200 Whoops!!! Really must get back on track with this again, but it hasn't put us back in the overdraft and it has been nice being able to go shopping knowing we can have a few little treats again (Like Ben & Jerrys Ice cream, 2 for £3!!! )

Total Debt is £11403.09 Hasn't gone down by much as needed to register with AAT this month for college, cost £105 but it was a cost I was aware of. Also purchased some flanellette sheets from Littlewoods so that has gone up a little, although got a bargain of a deal, I got 4 pillow cases, 2 fitted and 2 flat sheets, for the price of 1 flat and 1 fitted sheet!!!

Spoke to my loan company, just to see if I could get a monthly statement or if there is an internet account I could log into, can't do either of them. Also asked about overpaying at some point and not able to do that either, the lady suggested I set up a savings account, put what I wanted to overpay with into there and then ring up for amount outstanding and once I have enough to pay it all off at once, that way I'm making interest (although still paying it on the loan! But will save a bit in the long run) So once CC's are sorted that is my next item on the list

Finally got a new PC. so I am back in the overdraft but atleast this time it is controlled and I know what sort of fee's etc I am letting myself in for. Built it myself so saved a few quid All together, a decent PC + Windows 7 = £315.36. It is also good enough to play my fave game which DH said ok to buying as he had done well on tips last week And it is as good, if not better than I expected!! Spent Sun evening and last night playing, first thing I do when I get in now is turn PC on hehe Keeps me quiet and out of mischief (also stops the housework about time DH learnt what I do around the house daily)

Ummmm boss came in and lost train of though

savingholmes

Hi bevan - glad you like the new computer and glad the finances seem under control. Have a good day!

bevan840

Hope your having a nice day at work SH x

bevan840

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......................... 875
Partners monthly income after tax....... 996
Total monthly income........................ 1871

Monthly Expense Details
Rent.......................................................... 485
Council tax................................................ 88
Electricity................................................... 30
Gas............................................................. 50 *Increasing to £50 to cover the winter*
Water rates............................................ 29.37
Telephone (land line).............................. 40
Mobile phone........................................... 70 *Still working on it, last months bill was £66 so getting there*
TV Licence................................................ 12
Groceries etc. ........................................ 230 *Increased a little as don't seem to be sticking to it very well*
Clothing..................................................... 10
Petrol/diesel............................................ 175
Road tax.................................................... 30
Car Insurance.......................................... 70
Car maintenance (including MOT)......... 25
Medical (prescriptions, dentist etc).... 10.25
Pet insurance/vet bills............................. 17
Contents insurance................................ 16.2
Presents (birthday, christmas etc)........ 20
Entertainment............................................. 4
Emergency fund........................................ 100
Total monthly expenses........................... 1511.82

Assets
Car(s)............................................. 2500
Total Assets............................ 2500

No Secured nor Hire Purchase Debts

Unsecured Debts
Description..................................Debt.............Monthly............APR
CC1..........................................1971.12..............55................20.9
CC2............................................889.15...............30...............17.8
Car Loan..................................3025.77............91.69..............0
HFC Sofa Loan.......................1041.05.............31.55.............0
Littlewoods................................296.....................40................0
Overdraft....................................400.......................5.................0 *The £5 payment is for the charges, will pay it off in chunks when we have the money available*
Car Repairs.................................80.......................40................0
Total unsecured debts..........7703.09..........293.24....-

Monthly Budget Summary
Total monthly income......................................... 1,871
Expenses (including HP & secured debts)...... 1,511.82
Available for debt repayments........................... 359.18
Monthly UNsecured debt repayments............... 293.24
Amount left after debt repayments................... 65.94 *Atleast we still have a surplus*

Personal Balance Sheet Summary
Total assets (things you own).......................... 2,500
Total HP & Secured debt................................. -0
Total Unsecured debt...................................... -7,703.09
Net Assets......................................................... -5,203.09

Created using the SOA calculator at www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission, using IE browser.[/FONT]

Snowball says 33 months

CC1 ....................... £1971.12
CC2 ........................ £889.15
Sofa ...................... £1041.05
Car Loan .............. £3025.77
Car Repairs ......... £80.00
Littlewoods ......... £296.00
Mum ..................... £2200.00
Dad ...................... £1500.00
Overdraft ............ £400.00
Total .................... £11,403.09

Oct Grocery Fund £241.19/£200

Honeymoon Fund £65/£6000
Moving Budget £0.03

Total Debt at Worst .... £12,600.55
Current Debt ............... £11403.09
Paid off so far ............. £1197.46
Paid Off ........................... 9.5%
% gone down unfortunately due to buying new PC, registering with AAT, some new sheets for bed (don't even need hot water bottle at the moment!! ) and having to use overdraft for the new PC. But will get it back up again next month

Hope everyone is ok xxx

savingholmes

Hi Sal - just imagine when you have that £293 just for you every month - it will make a huge difference won't it! Keep plodding and one day it will be clear!

bevan840

That will be going into the honeymoon pot After that, will set an amount each month towards holidays and the other into a bank account to make into a deposit for a home Hehe already have plans for it all