My Journey

savingholmes

Well done on getting out of overdraft. 14.29% paid off is good news

bevan840

Hi SH, I'm getting closer to where I was a few months ago with how much has been paid off, next months payment to CC2 should take me under the £800 mark The interest will bring it back over a little, but month after it should stay under

Had a letter from C.A.B and they said after looking at my DLA application, I should be expecting HRM and at least LRC if not MRC. If I don't receive HRM & MRC I should contact them for another meeting and discuss appealing it, but I would just be thankful to get anything!

Can't remember what else I was going to write lol

savingholmes

Good luck with getting the disability benefits and CC repayments

staceydaisy

Hey bevan just popping in to say hello hope all well with you

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......................... 905
Partners monthly income after tax....... 1300
Total monthly income............... 2205

Monthly Expense Details
Rent.............................................................. 420
Council tax................................................ 135
Electricity................................................. 66.36 *This is from when we moved in in June, about half of what we used to be paying!*
Gas................................................................ 5 *We have only actually used £1.40 :eek: Solar panel is working for the hot water Most of the time, paid £5 towards it though as website wouldn't take £1.40 :rotfl:*
Water rates............................................... 0 *Still haven't sorted yet, aiming to sort that soon*
Telephone (land line)............................. 55
Mobile phone............................................. 70
Groceries etc. .......................................... 250
Petrol/diesel............................................. 200 *I'm still using my pass as not able to drive at the moment anyway*
Car Insurance........................................... 76.3
Other child related expenses............ 192.73 *CSA have finally been notified of address change and new job, I now need to sort a letter with 5 of his payslips to send to them*
Medical (prescriptions, dentist etc).... 10.4 *PPC*
Pet insurance/vet bills.......................... 20.06
Contents insurance................................. 9.58
Christmas .................................................. 25
Entertainment........................................... 3.99
Honeymoon................................................ 10
House Deposit.......................................... 0.01
Total monthly expenses......... 1549.43

Assets
Car(s).................................. 2000
Total Assets......... 2000

No Secured nor Hire Purchase Debts

Unsecured Debts
Description.........................................Debt..................Monthly..............APR
CC1.....................................................1783.45................60.45..................23.9 *Can now increase this one to £60 plus anything odd in pennies as CC2's min payment is now under £25*
CC2.....................................................825.88.................25.88..................17.8
Sofa...................................................725.55..................31.55....................0
Mum.....................................................2200.........................0........................0
Dad......................................................2705.........................0........................0
Cooker..................................................245........................40.......................0
Car.....................................................2108.87..................91.69...................0
Total unsecured debts.....10593.75........249.57........-

Monthly Budget Summary
Total monthly income................................................ 2,205
Expenses (including HP & secured debts)....... 1,549.43
Available for debt repayments............................. 655.57
Monthly UNsecured debt repayments................ 249.57
Amount left after debt repayments....... 406 *Not bad really, going to save it though as need to pay off this Roxburghe debt if it proves to be DH's*

Personal Balance Sheet Summary
Total assets (things you own)........ 2,000
Total HP & Secured debt.............. -0
Total Unsecured debt.................... -10,593.75
Net Assets.................... -8,593.75

Created using the SOA calculator at www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission, using Firefox browser.

All in all, not too bad I don't think

savingholmes

Glad things are going better for you

bevan840

Well, finally got the paperwork from 3 and it turns out, this was DH's debt I've rung Roxburghe this morning and paid it all off, used both CC's and put the rest on our joint account as I wanted it gone! Made sure that the credit card payments left £50 on each card to cover for the interest going on them and balance was £90.01 to pay on joint card. Bloke on the phone said that the account has now been paid, closed and they will send the paperwork/confirmation out in the post. At least this one is all over now so can finally stop worrying about it!

Not doing very well at all at the moment health wise. Struggling with the pain/tired side of things but still somehow working, but I can't carry on much longer so I need to work out what I'm going to do. Saw OT this week, her suggestion was to finish where I am, get benefits and look for part time job while I'm off. Sounds like a good plan but need to make sure our finances could handle it before I make any decisions. I still have my overdraft even though we dont really use it anymore, it's sort of like a back up for 'if' anything was to happen.

savingholmes

hi sorry things are getting worse healthwise... hope you manage to find a solution...

bevan840

will try and update soon, just bumping it so I can find it easier later on

bevan840

I'm back, hopefully!! lol

After seeing my OT I worked the rest of that week, went home, discussed with DH over the weekend about going on sick leave and decided I would do that. So went to work the following Monday and had a word with Boss about sick leave, he agreed to it and I had 4 weeks off. I went back to work 3 weeks ago but I'm only doing 3 days a week until I feel ready for an extra day.

Unfortunately the time off means that we are back in the overdraft again But, we came to a decision on DH's car and it is currently on ebay, finishes tomorrow morning. The only bidder so far doesn't have very good feedback so I'm hoping either someone else will bid higher or he actually follows through on it as we really need it gone and the money would definitely help. Once it's gone and we are settled, we are going to save up for an estate car so that we have a car to put my chair in for days out as it won't fit in mine, even with the seats down! But it also needs to be an automatic so that I can drive it

DLA got refused, going to see C.A.B tomorrow to discuss appealing but I honestly don't think I'll bother. The appeal process could be what tips me back over the edge while I'm currently doing ok and would like to continue this way.

Booked flights yesterday to go home for a few days over Christmas, being the first Christmas without AV my family would like to be together, and I feel I would be better off down there instead of being up here so far away from everyone. I am still mentally struggling with it and GP has referred me for counselling, received the letter confirming if I would like to add my name to the waiting list and have emailed the address that I would like my name to be added. I know it takes time and everything, but what a few people have said that because I'm up here, I've got no-one around to support me, I have DH but he's a bloke and useless at emotions, where my whole family are all together to help and support each other. I'll be flying down early on the 23rd Dec and flying back late on the 27th, will need someone to pick me up from Bristol airport at 8:30am (My Mum definitely doesn't love me for that one lol) But my flight back is at 8:30pm so a better time, but they agreed that I would have more time with everyone if I got the early flight, so I did Cheaper than train too, train is same price as in July (£101.25) but flights have cost just under £84. Dad is paying for the flight though.

Have started a new hobby which is helping keep things away in my mind, and that is making jewellery. I'm making all my female friends and family jewellery sets. I've finished 12 out of 19 but need some different colour beads for the last few people. Also bought 2 nice little boxes for the sets for both my Grans. I found out everyones favourite colours and if they were allergic or prefer silver or gold and started buying on ebay, thank god I had that Christmas fund already with money, it's made doing this so much easier as most of my list are females, so only have a few males to buy for Will try and put some piccies up when I'm at home.

Can't think of much else, I hope everyone is ok xxx