Squirrel's Smiley, Smart and Solvent Diary

redsquirrel80

Talking of plans.. guess who might be going away for Christmas?

pepe2008

redsquirrel80 wrote: »

Talking of plans.. guess who might be going away for Christmas?

Where are you taking me?

redsquirrel80

Let me give you a clue.. http://www.guardian.co.uk/travel/2005/dec/18/venice.italy.christmas2005

pepe2008

venice in the snow would be amazing!

If you take a gardening course then I have the ultimate gardening tool....a 13 week old puppy. Great for weeding, in between biting fingers!

becky_rtw

I went to Venice in Jan one year - it was lush

But it doesnt usually snow over xmas because its too warm now - usually more likely in Feb time...(valentines )

redsquirrel80

Morning!

Don't mind too much about snow, very excited about the prospect of going away for Christmas though (Easyjet flights only £50-ish as well )

Hmm might pass on the puppy - am covered in scratches and stings and midge bites from gardening and blackberry-picking over the weekend... what a good weekend, Friday I made chutney, Saturday went for an 11 mile walk, visited local alpaca farm and picked tons (well lbs) of blackberries, Sunday went to local city farm's fair, patted some pigs :rotfl: , got some veg growing tips, made blackberry and apple crumble, and blitzed the weeds and overgrown bushes in OH's garden.. happy me (and I spent the grand total of.... £0!)

Totally and utterly fed up being back at work this morning :rolleyes:

redsquirrel80

Copying this over from the DFW 12 week plan thread - more plans, I dunno! :rolleyes: Plans for, well, the next 12 weeks....

1. Pay £500 off debt - (£416 off cards etc and the rest towards overdraft)
2. Save £500 for holidays/ Christmas/ course I want to do etc
3. Go to gym class every week
4. Run at least 3 times a week, aim to get up to 10 miles for my weekly long run

becky_rtw

Why dont you break them down red into a bit each week and then you can cross them off bit by bit...works for me on training plans

Also I remembered your wool today so will get that sent off asap!

redsquirrel80

Thanks Becky

Yeah I've been trying to think how to break it down, I'm a bit stuck with any of the money things until payday apart from trying to earn a bit through surveys and stuff.

Have put a new line in my sig but 3 runs and 1 exercise class in a week sounds a lot less daunting than 36 runs and 12 classes! :rotfl:

redsquirrel80

redsquirrel80 wrote: »

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................ 1073
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 1073

Monthly Expense Details
Rent.................................... 500
Management charge (leasehold property).. 0
Council tax............................. 76.74
Mobile phone............................ 30
TV Licence.............................. 25

Total monthly expenses.................. 631.74

Unsecured Debts
Description....................Debt......Monthly...APR
Loan...........................4470......30........0 (actually £39 off per month, DCA crediting extra 30% of payments)
Card1..........................1501.83...20........0
Card2..........................2612.16...20........0 (actually £26 off per month, DCA crediting extra 30% of payments)
Moorcroft1............................445.......20........0
Total unsecured debts..........9028.99...90........-


Monthly Budget Summary
Total monthly income.................... 1,073
Expenses (including HP & secured debts). 631.74
Available for debt repayments........... 441.26
Monthly UNsecured debt repayments....... 90
Amount left after debt repayments....... 351.26

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

OK - how am I going to pay £500 off debts and save £500?

Money saved for smallest debt (not listed above) to be paid off at end of Sept = £146.
Normal monthly payments for end of Sept, Oct, Nov = £270.
Total of £416.
Leaving £84 which I want to put towards my overdraft (not listed above either) so that needs to come from wages that I don't spend or extra raised somehow.

And then £500 savings also to come from unspent wages/ extra raised. I get paid three times before the end of the 12 weeks so that's 3 x £350 'available' money after the bills are paid = £1050. Minus £584 = £466 or just over £155 I can spend each month. This is do-able but very tight considering I have some trips already planned in the next couple of months. Will have to see how much extra I can manage to raise from.. somewhere!