Its worth a go isn't it?

scaredy_cat

it all gets mixed up in yer tummy!!!!

linz

Have you ever thought of applying for Masterchef ?

:rolleyes:

beanielou

Great to meet you on Sat too & glad Ive found your diary.

beanielou

Dont think Ill come for my tea just yet though!!!:p

fiftyeighter_2

I'm sure it was very nice. I've been cooking for more years than i care to remember but i still have disasters. (oh my word, not that i'm saying yours is a disaster.

Itsarandom

http://www.utterlyrecipes.com/?p=10


that is how lasagna looks - mine I think we can declare does look like something i found on the M1 !!!

:rotfl::rotfl::rotfl:

one more go next week I think... see if I can't find a proper dish.... and proper portions and everything :rolleyes::rolleyes::o:o:D

mooomin

I can give you a good shepherds pie recipe. And slow-cooker chilli, om nom nom.

Itsarandom

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................ 1291
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 5
Total monthly income.................... 1296

Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 395
Management charge (leasehold property).. 0
Council tax............................. 110
Electricity............................. 22
Gas..................................... 22
Oil..................................... 0
Water rates............................. 0
Telephone (land line)................... 42
Mobile phone............................ 30
TV Licence.............................. 0
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 80
Clothing................................ 5
Petrol/diesel........................... 0
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 44
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 1
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 10
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 7.5
Haircuts................................ 0
Entertainment........................... 50
Holiday................................. 0
Emergency fund.......................... 0
(Unnamed monthly expense)............... 0
BRC charity donations................... 3
Xbox live (1 yr = 39.99)................ 4
Guitar Lessons.......................... 44
Total monthly expenses.................. 869.5


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
Virgin.........................2600......25........1.9
Barclaycard....................900.......25........3.6
Total unsecured debts..........3500......50........-


Monthly Budget Summary
Total monthly income.................... 1,296
Expenses (including HP & secured debts). 869.5
Available for debt repayments........... 426.5
Monthly UNsecured debt repayments....... 50
Amount left after debt repayments....... 376.5

Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -0
Total Unsecured debt.................... -3,500
Net Assets.............................. -3,500

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

Itsarandom

My new SOA!

Even I can see where I could make savings - I am hating vodafone though, gone into their shop a few times seeing about lowering my tarriff - only thing I can do is lower it to 25 quid a month and get 100 minutes and something like 50 texts!! :mad::mad: At the moment I pay 30 quid a month and get 600 minutes and 500 texts! Its all a scam IMO, the only reason I have a mobile phone is so I can call OH.

Worst thing is that I can't do ANYTHING about it until March... and the contract ends in june... Suppose If i don't use it/get other half to ring me... that is a minimum of 30 quid saved...possibly more if i just keep downgrading every month but it just seems so unfair.

I also REALLY regret going with BT. Not because of their service or anything.. just should have got cheap broadband elsewhere and I don't need an unlimited package anymore. Maybe ring them up and ask about lowering the package am on and see how I cope...?

I wish I had woken up about this last year - I would be debt free by now as I didn't have my pension coming off... Just gotta keep fighting and selling and I will get there!!

For now I gotta sit back and start tearing my SOA apart and figuring out what I can lower, and what I can't...

Itsarandom

flying_fresian wrote: »

I can give you a good shepherds pie recipe. And slow-cooker chilli, om nom nom.

Ooooh wait until I get this pasta bit sorted - then I will move on from there... I hate to imagine how my shepard's pie would look if that is what my lasagna looks like :eek::eek::eek: