Reigning in the debt and ramping up the running

beanielou

Im reading hun

becky_rtw

Thanks Beanie - how are you feeling btw?? Have your meds doses been sorted out yet?? Been worried about you on the chat thread...

beanielou

Awww becky thanks for thinking of me
Meds are still a wee bit of a problem at the mo~hopefully getting there slowly.

becky_rtw

Well even if its slow at least its progress but it still must be frustrating for you

On unrelated news I also managed 3 NSDs over the weekend because OH paid for everything - awww he's lovely when I am poor

beanielou

Great news on your NSD's hun
Your OH sounds just fab.

becky_rtw

Okay so I have now been running 6 days in a row - started a half mile and managed two days of 4 miles...still very slow 10 minute miles + and hard work but I am getting there - have a 5k race on Saturday - am aiming for about 35 minutes (pb is 24:40ish)...

Now for the scary bit...off to do SOA be back shortly

becky_rtw

Statement of Affairs and Personal Balance Sheet

Household Information
Number of adults in household........... 1
Number of children in household......... 0
Number of cars owned.................... 0

Monthly Income Details
Monthly income after tax................ 1703.9
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 1703.9

Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 800
Management charge (leasehold property).. 0
Council tax............................. 65
Electricity............................. 0
Gas..................................... 0
Oil..................................... 0
Water rates............................. 0
Telephone (land line)................... 0
Mobile phone............................ 30
TV Licence.............................. 0
Satellite/Cable TV...................... 0
Internet Services....................... 15
Groceries etc. ......................... 50
Clothing................................ 50
Petrol/diesel........................... 0
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 50
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 25
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 0
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 20
Haircuts................................ 5
Entertainment........................... 50
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 1160


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

No Secured nor Hire Purchase Debts

Unsecured Debts
Description....................Debt......Monthly...APR
[STRIKE]Credit Card....................100.......5.........26.9[/STRIKE]
Loan...........................544.75....108.9.....7.9
Overdraft......................250.......0.........26.9
Total unsecured debts..........894.75....113.9.....-


Monthly Budget Summary
Total monthly income.................... 1,703.9
Expenses (including HP & secured debts). 1,160
Available for debt repayments........... 543.9
Monthly UNsecured debt repayments....... 113.9
Amount left after debt repayments....... 430

Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -0
Total Unsecured debt.................... -894.75
Net Assets.............................. -894.75

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

Some explanations - £65 in Council Tax is ALL my bills - I live in a shared house and we split them - thats my share
£25 is for contact lenses - I am not changing these (sorry I love them)

£400 over each month is what I thought roughly

One off this month I have to buy:
2012 gymnastic tickets x2 circa £50
Nephews 1st bday pressie x £15 (so should come out of pressie budget )
Extra tickets to see OH in Leeds as I'm doing two trips up there for racing (circa £40)
Entry into Bristol half marathon for two people

So thats the other £200 from the surplus

Okay have paid the full amount of CC which leaves me with £100 to save till the end of the month to hopefully pay off overdraft :D

beanielou

Your loan has same time to run as mine!
Can you pay the last £100 off CC when you get paid & just keep your eye on OD?
You are doing so well

becky_rtw

Thanks Beanie - I paid £42 off it today but you are right I should just pay it all off today and watch my money this month a bit more carefully!

I'll be £110 better off a month after November with my loan but I'm thinking about overpaying my student loan (not on here because its taken out before tax) with half of that since the interest is very low right now...need to think some more...

Right off to pay off CC

becky_rtw

Okay thats done to go tomorrow :eek: I am CC free will update SOA!!!