Squirrel's Smiley, Smart and Solvent Diary

redsquirrel80

-GO TO THE POST OFFICE! - done
-Get new log-in for online banking for other bank account so I can start transferring everything over to it - requested new password, should be here in a couple of days
-Sort out paperwork for OU financial support application - waiting for a reply to email

Can't think of anything else I have to do, so off to see if I can find any freebies/ surveys/ free Quidco things...

(Land_of)_Maz

redsquirrel80 wrote: »

-GO TO THE POST OFFICE! - done
-Get new log-in for online banking for other bank account so I can start transferring everything over to it - requested new password, should be here in a couple of days
-Sort out paperwork for OU financial support application - waiting for a reply to email

Can't think of anything else I have to do, so off to see if I can find any freebies/ surveys/ free Quidco things...

You're so productive!! i'm impressed

glad you had a nice weekend...

redsquirrel80

Thanks Maz, it makes a change for me. Not being very productive at work today but ho hum...

Just found out I get an £8 refund for the magazine sub I cancelled so that can be added to this month's budget.. when the cheque arrives!

redsquirrel80

Evening, not been on here after work for ages! Some good news, found out where I need to pay my old loan debt to, and it's less than I thought! :j Also discovered that my newly arranged direct debits don't start till next month, so have actually got a bit extra to play with... or be sensible with! Thinking if I put aside what I thought was going to payments this month then with a bit of extra budgeting I should be able to get rid of that pesky £146 debt at the end of the month. Sounds like a plan?

hypno06

Sounds like an excellent plan :T

redsquirrel80

Thanks Hypno!

Well I've already done one thing on the list today which was to pick up a couple of parcels from the PO - have now got my new coat for winter (although I hope winter doesn't turn up too fast) which only cost me £15 (reduced from £60 :j)

Second thing is new budget taking into account the lack of debt payments:

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
Total monthly income.................... 1073[/b]

Monthly Expense Details
Rent.................................... 500
Council tax............................. 76.74
Mobile phone............................ 30
TV Licence.............................. 25

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



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....... 0
Amount left after debt repayments....... 441.26

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

Spent so far £81.20.
Left £360.06
Extra made from surveys etc £15.58 (£10 Amazon voucher, £4.48 cashback, £1 Clubcard voucher) but keeping this separate for now.

So if I want to pay off the £146.16 before next payday I need to spend no more than £213.90 between now and 22nd Sept. Added to the £81.20 already spent makes £295.10 budget for the month - off to amend sig!

Third task is to do a new SOA for next month onwards (assuming I do manage to pay off that little one this month).

Fourth is to write to DCA re loan payments.

Realised I've not said a lot on the smiley and smart bits.. smiley is variable but generally better, still need to find a big chunk of confidence from somewhere. Smart - well I'm in all new clothes today thanks to the Asda sale, think I am making more of an effort most days and it does make me feel better.

Have a good day everyone :cool:

redsquirrel80

Basic SOA from September onwards:

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)
BT1............................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.

redsquirrel80

Letter written so all done for today! Am bored at work though and finding myself drifting off onto the M&S sale.. Asda George website.. ooh look £5 trousers.. I really don't need anything though so it has to stop.. *slaps self across face*

(Land_of)_Maz

STOP! <slap>

STOP! <slap>

STOP! <slap>

Does that help at all???

redsquirrel80

Yeah.. thanks.. ow..