Squirrel's Smiley, Smart and Solvent Diary

sallyx

Nice dress....glad you haven't got bare legs, far too cold for that just yet!

Today I am feeling a little frumpy, black trousers and green top with green tank top over as I am so cold...spotty scarf to finish...its the big clumpy boots that don't quite go but as I had to walk to work had to be comfortable!

Sounds like another lovely weekend

redsquirrel80

Sounds nice Sal, especially the spotty scarf - I like scarves

Ooh my Kilomathon number arrived at the weekend - eek :eek:

Karmacat

Wow Squizz - thats a tres chic little dress. Good job there's no videocams on mse for me, thats all I can say

redsquirrel80

Hehe Karma - maybe I should post up my 'gardening' look from yesterday - or perhaps not seeing as my trousers were having problems staying up :rotfl:

Karmacat

:rotfl:Gwan gwan gwan! Dare you!

redsquirrel80

Well thankfully there are no pictures of me in that state :rotfl: I was wearing...

.. with an assortment of jumpers underneath, accessorized with muddy ankles and bit of bum showing when I leaned over

sallyx

pmsl Squizz....bet you still looked lovely though!

Karmacat

Pretty :kisses3:

redsquirrel80

Aw nice of you to say so!

Got our new salary scales as of end of March so thought it was time for a new SOA:

Statement of Affairs and Personal Balance Sheet

Monthly Income Details
Monthly income after tax................ 1089 (think this is right, will see when I get payslip)
Other income............................ 50
Total monthly income.................... 1139

Monthly Expense Details
Rent.................................... 500
Council tax............................. 76
Mobile phone............................ 50
Entertainment........................... 3.99 (Lovefilm)

Total monthly expenses.................. 626

Unsecured Debts
Description....................Debt......Monthly...APR
Capquest.......................4254......30........0
Capquest.......................1364.22...20........0
Moorcroft......................325.......20........0
Overdraft......................1051.62...15........0
AK.............................2467.16...25........0
Total unsecured debts..........9462......110.......-


Monthly Budget Summary
Total monthly income.................... 1,139
Expenses (including HP & secured debts). 630
Available for debt repayments........... 509
Monthly UNsecured debt repayments....... 110
Amount left after debt repayments....... 399

Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -0
Total Unsecured debt.................... -9,462
Net Assets.............................. -9,462

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

Not sure when I will start getting paid for other job here, estimate it at about £30-50 a month hopefully. Also get one-off payment at end of March for backdated payrise, approx £60 I think.

Looks fairly healthy I think - well compared to how it has been in the past! Those are the minimum debt payments, will probably try to chuck another £100 per month at them. Need to re-visit my three month plan targets and set some new ones for the next quarter! (Wow, don't I sound organised... :rotfl:)

redsquirrel80

1. Pay off £625 - £523 paid - will be approx £635 by end of month.
2. Stick to my running plan - not quite as much as I'd have liked but doing OK!
3. Keep looking for a new job - applied for a few, got my new extra one here.
4. Look for a cheaper flat - :cool:
5. Do/ start some sort of training at work - have done a couple of day courses and am doing training for this new job.
6. Do/start some sort of other course not related to work - found that Philosophy course, still thinking about it :rotfl:
7. Spend no more than £25 on clothes - £23.40 - as long as I behave in the next few weeks.