Dallas does debt.

dallas85

Snow_White wrote: »

Hi Dallas,

It's great that you don't have to buy absolutely everything for the new house. My mum got me a double duvet recently from Tesco and it was super cheap, about 8 quid if I remember rightly.

Didn't know that music magpie will collect. Do they have to be good (i.e. vaguely popular) CDs? I can imagine the driver rocking up at my parents' house, taking one look at my old CD collection and driving off again in disgust!

Moving in with two boys :eek:. Let's hope they're house-trained!

Hi Snow White - I'm not sure about Music Magpie yet, but you input the barcode from the CD and they give you a quote for that particular one. Probably quite time consuming if you've got a lot of CDs but well worth it when the cheque comes through I reckon!

shell_girl

I'm a big fan of slow cooking Mine was a very cheapie £10 job from Argos, has lasted me two years so far and going strong.

dallas85

shell_girl wrote: »

I'm a big fan of slow cooking Mine was a very cheapie £10 job from Argos, has lasted me two years so far and going strong.

Thanks shell_girl! Great to hear you've had a good experience.

Knitty78

I'm also a fan of slow cooking. I got a cheapy argos one too although mine died when I moved house and lost the lid i now have a crock pot style one which I have to admit I bought when less money saving and went for the one that looked good.

love the name of your thread Dallas and good luck with the debt-busting.

Fire_Fox

I have the Tefal four-in-one slow cooker/ rice cooker/ steamer. Not cheap (tho they appear on eBay regularly) but very practical when you don't have a lot of cupboard space! There is a massive slow cooker thread on the Old Style board with loads of recipes.

claire0788

dallas85 wrote: »

Hi Snow White - I'm not sure about Music Magpie yet, but you input the barcode from the CD and they give you a quote for that particular one. Probably quite time consuming if you've got a lot of CDs but well worth it when the cheque comes through I reckon!

Also if you are doing the music magpie thing then go through quidco

dallas85

Feeling very virtuous this evening! Have just put some books up for sale on Green Metropolis for the first time and also traded some unwanted CDs and DVDs on Music Magpie. Hopefully my books will sell as I don't want to lug them to the new flat!
Claire - thanks for the quidco tip!
Knitty and Fire Fox - great advice on slow cookers, thanks for that - I'll check the thread!

Cashwitch

One of the best names on the board! Good luck with the quest - it's sounds like you're very well organised and I'm sure you'll do it! CW

dallas85

Hi All,

Just made a positive step and registered us for council tax from 1st September which is our move in date. I wasn't sure of the figure before, so now that I know the bill I've done an SOA including estimates for electricity, water and internet as I won't know for sure until I set up the new accounts.
Obviously this is my new budget from September so I'm hoping to keep any bills down, and will be getting my hands on a showersmart, a hippo or save a flush, energy saving lightbulbs and lots of jumpers so hopefully not a huge heating bill!
I'd like to keep my grocery bill down under £100 but food is really my thing, and I enjoy it so much that I think I might hit that each month. My mobile is pretty low and I'm on a good contract with 3 which suits me down to the ground and I don't exceed the limits.

Just can't wait for my credit card to be at £0!!!

Statement of Affairs and Personal Balance Sheet

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

Monthly Income Details
Monthly income after tax................ 1540
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 1540

Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 505
Management charge (leasehold property).. 0
Council tax............................. 43
Electricity............................. 25
Gas..................................... 0
Oil..................................... 0
Water rates............................. 15
Telephone (land line)................... 0
Mobile phone............................ 25
TV Licence.............................. 7
Satellite/Cable TV...................... 0
Internet Services....................... 7
Groceries etc. ......................... 100
Clothing................................ 50
Petrol/diesel........................... 0
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 70
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 0
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 17
Haircuts................................ 20
Entertainment........................... 150
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 1034


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
Nationwide CC..................1730......55........16
HSBC Overdraft.................1250......0.........0
Total unsecured debts..........2980......55........-


Monthly Budget Summary
Total monthly income.................... 1,540
Expenses (including HP & secured debts). 1,034
Available for debt repayments........... 506
Monthly UNsecured debt repayments....... 55
Amount left after debt repayments....... 451

Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -0
Total Unsecured debt.................... -2,980
Net Assets.............................. -2,980

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

Knitty78

Is there any way you can shave some of the entertainment budget?