KP's Another year older another year wiser?

Keeping_Positive

Well filing almost done. Have been sorting, recycling, binning and shreding today but still have a massive pile to actually file. At least the bedroom looks better can actually see the floor lol!

DDs did their room so that looks better although wet towels now on the floor..... oh well

taxi73

Well done on paperwork...it takes so long to sort .

Jo_R_2

Ah yep the dreaded paperwork, I have a pile I really need to sort - not been putting it off at all, honest;)

So what's the story with the loan, was that something you'd been thinking about?

Keeping_Positive

I dont really want a loan but its the best way I can manage the upcoming costs. Ill be paying for two places for a while as I wont see Ex and the kids short and then I doubt Ill get any overpayment back. I just think it will be easier to manage the monthly payments. I havent made any final desisions yet I want the move date to be confirmed and go from there. I think they are working towards the 28th which is a pain as Im busy all that week. Ex was to go to his bank today as he only has a basic barclays account and is worried they wont allow all the things he will need. Also worried about transferring or opeing accounts in his name becuase of the DRO and poor credit rating. He has printed the housing benefit form but we need to ring to get the child tax credit form oh and then theres CB. Ive heard it takes ages for the monies to come through.

beanielou

Sounds like it is all coming together now.
Paperwork?lalalalala;la........

Keeping_Positive

Well today I have been shopping :eek:

Bought a bed for £300 (£100 off is sale), TV £270 (£60 off) inc DVD and freeview, butterfly table £175 (£44 off) and finally ywo half price single matresses for the kids bunk beds (kinda glad you didnt need them now Jo!). Still an awful lot of money.

Should be able to get a 5k loan over 3 years for 7% APR through work so my crude budget will be

£1500 in

£595 rent
£100 c tax
£100 electric and water - hoping its less than this
£224 loan 1
£150k loan 2

leaves £331 for food, telephone (may stick to work mobile if possible), birthdays, xmas, entertainment, fuel.

Guestamates for these are: £100 max food, £100 max entertainment, £10 phone, £50 kids, £30 annual ie xmas/birthday, £20 fuel although I tend to get that covered by expences leaving £21 ish spare.

Have/Am I missing anything obvious?

Keeping_Positive

What no comments?

Bad evening DD1 in tears wanting to move in with me and DD2 making a computer picture saying I will miss you

beanielou

Sorry its a bad evening

YOUr SOA looks ok if a bit tight but we are all good at that arent we?Ya got a date yet?
Take care xx

beanielou

Just keep reassurring the DD's that you will still be around I guess.

Keeping_Positive

Thanks

It is a bit tighter than Id like. Im sure I can work on the food and entertainment bits though. Will also be looking at saving electric as much as poss.

DDs seem better now but I am worried. Just hoping that after initial shock it wont be too bad for them.