I am determined to do this...

Fire_Fox

The solution to not liking ironing is not to do any ironing! I own large quantities of clothes that can be worn straight off the airer as long as you hang them neatly. Mr. Fire Fox always used to iron his t-shirts and jeans but doesn't bother anymore, and they look fine within half an hour of being put on. The only thing either of us iron is a shirt/ blouse.

kirstenc

thanks firefox, I usually do that, but its the stuff that does need ironing that Im having a bother with!! I remember my gran used to iron everything...even SOCKS!! strange old biddy lol but I loved her!!

right, list for today...
upload MS results when audio file uploads
build tv unit and coat stand (eeeek)
take pics for ebay listing (and stop procrastinating!)
scratchies
check banking
update spreadsheets and snowball etc
wf sausages and mash (make fish fingers in the meantime)


so we joined Tesco DVD rental, as they sent me a letter offering 3 months for price of 1, so working out better than the free trial from lovefilm even with cashback. OH cant wait to get his first game, although I have chosen a few for me too!!

Different_Corner

Morning Kirsten
Love your dream property ! Particularly the fact master bedroom seems to have the whole upper floor to itself. Clever planning

kirstenc

very very clever planning lol PEACE!!!

I love the fact that there are different types of garden dotted around (vegetable patch somewhere methinks!!)

Anyhoo, not much done yesterday, forgot that the new TV and unit were coming so I spent all evening building the darn thing, scredriver gave me blisters!!

not tuned in TV yet but I am sure all will be well, hehe I it was a pretty funny image, I was DIYing in a dress!! OH thought it was hilarious!

kirstenc

Right, tv is now tuned in so OH is happy!!

got the first 3 discs with Tesco DVD Rental (and have a code for 30 day trial and 200 points if anyone would like to PM me, i'll give you my email address and code)

have had a pretty useless MSE few days and feel like I could be doing so much more!!

Therefore my list today is rather extensive, as I am getting pretty irritated with myself!!

Scratchies
review one film on dooyoo
do 2 loads of washing
tidy living room and empty unit (think mum is buying from me)
LIST on ebay (i have so much stuff to sell its ridiculous!)
do dishes
get of bus 2 stops early
redo SOA, its a tad bit different

ok so not too extensive, but enough to keep me busy while OH is watching the footy ('mon the hoops!)

kirstenc

Here is my updated SOA

Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 2
Number of children in household......... 1
Number of cars owned.................... 0
Monthly Income Details
Monthly income after tax................ 1200
Partners monthly income after tax....... 1200
Benefits................................ 920
Other income............................ 0
Total monthly income.................... 3320
Monthly Expense Details
Mortgage................................ 635
Secured/HP loan repayments.............. 239
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax............................. 120
Electricity............................. 32
Gas..................................... 40
Oil..................................... 0
Water rates............................. 0
Telephone (land line)................... 0
Mobile phone............................ 55
TV Licence.............................. 12
Satellite/Cable TV...................... 78
Internet Services....................... 0
Groceries etc. ......................... 220
Clothing................................ 0
Petrol/diesel........................... 0
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 67
Childcare/nursery....................... 440
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 8
Buildings insurance..................... 45
Contents insurance...................... 0
Life assurance ......................... 5
Other insurance......................... 13.9
Presents (birthday, christmas etc)...... 0
Haircuts................................ 0
Entertainment........................... 800
Holiday................................. 0
Emergency fund.......................... 100
gym membership.......................... 68
Total monthly expenses.................. 2977.9

Assets
Cash.................................... 1500
House value (Gross)..................... 100000
Shares and bonds........................ 0
Car(s).................................. 0
Other assets............................ 0
Total Assets............................ 101500

Secured & HP Debts
Description....................Debt......Monthly...APR
Mortgage...................... 100000...(635)......5.1
Secured Debt.................. 10000....(239)......7.9
Total secured & HP debts...... 110000....-.........-
Unsecured Debts
Description....................Debt......Monthly...APR
tesco credit card..............1050......37........17.9
overdraft......................1500......200.......29.9
Total unsecured debts..........2550......237.......-

Monthly Budget Summary
Total monthly income.................... 3,320
Expenses (including HP & secured debts). 2,977.9
Available for debt repayments........... 342.1
Monthly UNsecured debt repayments....... 237
Amount left after debt repayments....... 105.1
Personal Balance Sheet Summary
Total assets (things you own)........... 101,500
Total HP & Secured debt................. -110,000
Total Unsecured debt.................... -2,550
Net Assets.............................. -11,050


Allow me to explain the £800 entertainment money...if you have been reading for a while you may remember me mentioning that OH and I were having some tiffs about the old 'control', and that we had agreed that £100 a week would be taken out for each of us and spent as we would like. haircuts clothes games and takeaways eyc are all included in this.

To be fair, I am usually only spending about £20-£30 of my budget and keeping the rest aside for the overdraft (worked out well last month!)

There is no budge room with OH at the mo, and while I would love to throw it at the debts for 4 months and pay everything off but the loan, its not really going to be productive to the relationship....and that wouldnt be good!!!

(men are sooo irritating!!)

anyhoo, thats the new SOA, changed electric provider, saving £8 a month etc, and will be able to get out of my phone contract soon!! gonna go PAYG!

kirstenc

crikey, just noticed i have 5 mystery shops on saturday...wowsers!!

kirstenc

God I am lazy!!

Did nothing I was supposed to lol, just sat and watched a movie on my new gigantic tv...this is bad...I need to start thinking positive and actually just doing it.

These darn lulls are coming far too frequently, and Im getting a bit fed up.

OH isnt helping with his incessant 'Ive been at work all day, Im not going to do that' but then 'weekends are the only time I have off work, I dont want to spend them working'

That just means hes never gonna help out!

Im just really frustrated with myself for coming on here with a plan of action and then not doing it, whats the point??

Ok, so Im going to scream into a pillow for a few minutes and then actually DO something...not sure what yet but I'll figure it out!!

Aniya

Chin up Kirsten, I've been having a read of your diary and if it helps; it's really inspired me :T x

jonnyb1978

Yes ive recently started a diary and sometimes you feel like nobody is reading and think whats the point. I read others including this and see how much debt you have paid and that gets you going again thinking it can be done therefore motivating you do get things done.

Keep it up!