Wannabedebtfree's GUNNAGETDEBTFREE!!

wannabedebtfree_2

I am starting again, I am new to this diary malarky but my attitude today has changed, I can't promise it's going to be smiles all the time but I need to be more positive, I and only I can stop this negativity that is dragging me under, I have grabbed myself by the shoulders and given myself a good shake........so here's all about me;

• 33 years young (feel 23 some days and 73 others!)
• 3.5 stone lighter than this time last year:Thalf way to my goal
• 2 fantastic kids DS 14 and DD 12 (nearly 13)
• I am in the lucky position to actually love my current job, but I am looking into teacher training for Sept '10
• Currently doing an OU degree 90 points to go (2 courses starting in Oct)
• Been with my OH for 17 years - wish he would help me more but I can't change him so I have to stop stressing about it and just get on with it

MSE stuff so far this month;

• NSD 4/12
• GC £104.41/£200 :eek: need to be more careful for the rest of the month
• 3 items listed on eBay
• Charges refund letters sent to Nationwide and Natwest
• Letter sent to CTC re: underpayment for 06-07 and 07-08 tax years
• £25 extra earnt doing cleaning
• Withdrawing a set amount of cash each week and writing down every penny I spend - my debit card is no longer my friend

I will post an SOA in a minute, so the experts can cast their eye over it!

I am going to say a positive affirmation every morning and every evening until I believe it, just need to find one that inspires me!

Happytogetdebtfree

hi and welcome to the boards, well done on the weight loss so far woo woo im on the diet wagon ... look forward to seeing your soa and helping where i can ... ps have you also triued reclaiming ppi charges back on loans or credit cards all the best ive subscribed anyhow :Dx

wannabedebtfree_2

Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 2
Number of children in household......... 2
Number of cars owned.................... 1
Monthly Income Details
Monthly income after tax................ 989
Partners monthly income after tax....... 300 Partner injured his back 9 years ago so just does 13 hours a week dog walking/gardening - he is looking for more customers
Benefits................................ 580
Other income............................ 0
Total monthly income.................... 1869
Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 351
Management charge (leasehold property).. 0
Council tax............................. 101 This is spread over 12 months
Electricity............................. 57 Prepayment meter so I can keep in control
Gas..................................... 25
Oil..................................... 0
Water rates............................. 30 water meter, this varies but has gone up recently - not our usage just the cost :eek:
Telephone (land line)................... 40 This is all calls and unlimited broadband - we aren't in a cabled area so this is the cheapest package I could fine
Mobile phone............................ 5 4 mobiles in the house but we hardly ever use them, this is an overestimate really
TV Licence.............................. 12
Satellite/Cable TV...................... 19 I don't drink or smoke but I love my telly I don't think I could give this up!
Internet Services....................... 0
Groceries etc. ......................... 200 First month of trying to stick to this so we'll see how it goes
Clothing................................ 0
Petrol/diesel........................... 170 I begrudge every penny I put in my car but I have no way of car sharing and public transport would take me about 2 hours to get 11 miles with 3 changes!
Road tax................................ 16.25 Pay annually, due this month
Car Insurance........................... 28 Renewal in Oct - already looking on Quidco - but this does include my breakdown cover
Car maintenance (including MOT)......... 20
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 10 DD's club (DS's doesn't cost me weekly but there are occasional weekend trips which cost me £8 a time)
Medical (prescriptions, dentist etc).... 12.5 This is an estimate as have only just started having to pay for all of this.....is this reasonable for 2 adults one of which wears glasses?
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 9
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 50 I don't actually put this away each month, so from January I will do this, I have a massive family so I don't think £600 per year is excessive.......is it? I do buy stuff when I see it cheap (eg picked up a Golden Compass board game reduced to £3.99 and an 'Angus, Thongs and Perfect Snogging' bookset for £2.99....all in the drawer under my bed - perfect bday pressies for my hundreds of nieces and nephews!)
Haircuts................................ 5 This is also an estimate as I only ever have my hair done if I have some money (£17 for a cut), I trim DD's hair, although I should really get it done properly now shes nearly 13!! Shave OH and DS's heads for them!
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 1160.75

Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 1500
Other assets............................ 0
Total Assets............................ 1500

No Secured nor Hire Purchase Debts
Unsecured Debts
Description....................Debt......Monthly...APR
Total unsecured debts..........0.........0.........- I will update this when I have rejigged everything, I am trying to sort out interest and everything, but am currently spending £605 per month servicing debt repayment

Monthly Budget Summary
Total monthly income.................... 1,869
Expenses (including HP & secured debts). 1,168.75
Available for debt repayments........... 708.25 so £103.25 really
Monthly UNsecured debt repayments....... 0
Amount left after debt repayments....... 708.25
Personal Balance Sheet Summary
Total assets (things you own)........... 1,500
Total HP & Secured debt................. -0
Total Unsecured debt.................... -0
Net Assets.............................. 1,500
Created using the SOA calculator at www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission, using IE browser.

I really am trying, but as you can see I have no emergency fund so I need to look at this, this is how it all goes horribly wrong, e.g. last year the car needed about £650 worth of stuff doing over the year, I had to pay on the CC's............so the spiral continues...........but I will not be doing that from now on..........EVER!

wannabedebtfree_2

Happytogetdebtfree wrote: »

hi and welcome to the boards, well done on the weight loss so far woo woo im on the diet wagon ... look forward to seeing your soa and helping where i can ... ps have you also triued reclaiming ppi charges back on loans or credit cards all the best ive subscribed anyhow :Dx

I need to look into this, what is the time frame, cos they actually put PPI on my Nationwide CC years ago without me knowing and when I noticed it one month I phoned and cancelled it but I will have to dig out my old statements (good job I hoard everything!) or can I just get them to tell me how much I paid over the years? (I've never had PPI on anything else - I used to work in finance (ironically) and the mortgage adviser I worked with always told me not to bother!!)

EDIT: Just went through my statements, my last payment was in Oct 2007, I even said to them at the time of cancelling it "No wonder my debt hasn't been going down" I was paying up to £32 per month, for the 06-07 statements it adds up to £279+ so I will definately look into reclaiming, how do I find out how much more I'e paid, I must have shredded all the 05 stuff at the start of the year, I tend to keep 4 years of stuff in my box.

Happytogetdebtfree

hi there is a ppi standard letter on the site in reclaim 100s tab i dont know the link if you send the letter nad fill iun the requested areas they are under obligatiuon to work out and pay you so go for it... i dont reckon much to emergency funds untill you have shifted a bit of debt or are you anticipating some sudden emergency things ?? x

wannabedebtfree_2

I don't plan on having emergencies, but then does anyone???!!!

WOOHOO.......I sold one of my three eBay items for the buy it now price of £7.50........well chuffed!

Took my leftovers from yesterday to work for lunch, but ended up spending £1.60 in the canteen as well.........:mad:..........

A close friend and work colleague was complaining about her cleaner today and that she's thinking of getting a new one, would it be odd if I offered my services?? Should I cross the friend boundary and become an employee of hers?? I could certainly do with the money at the moment but it will mean doing annual self employment tax returns which I truly hate!! I would have to make sure that I was putting the tax into a seperate account too else it'll just get spent :rolleyes: decisions, decisions......

Got a pork casserole in the oven as we speak, and a trip to Lidl's planned for later (just for a few bits that are cheaper than anywhere else) while my son is at cadets (I have never driven home in between as it saves me about 16 miles to sit in the car reading for 1.5 hrs....not much fun in the winter I can tell you, I sit there hat, scarf, gloves, handwarmers.....:rotfl:.....just need some thermal long johns!)

Going to attempt to make some cheese and onion pasties some time soon for the kids lunches, a little scared but I'll have a go!! x

wannabedebtfree_2

Oh, and another thing......had my letter from Natwest about charges, they say that if I am deemed as 'hardship' they will change my account, remove all debit facilities etc, now I don't actually use this account any more (well its od but nothing goes in or out of it!!!), but will it effect my credit file if they do that??

wannabedebtfree_2

Dagnammit, it was all going so well..........until my casserole spilled over in my oven and the oven now stinks of 'burntness' :eek: any MSE tips of how to get this welded mess off my oven??? :think: PANTS!!!! :rotfl:

Happytogetdebtfree

id ask your friend if you could clean for her, and i woundnt do tax returns unless he is planning on grassing you up theres alot of free riders why shouldnt we get perks x i dont know about the natwest thing :S how was work ?? x

wannabedebtfree_2

Ok, MSE stuff today;

• Have decided to text my friend tomorrow and offer my cleaning services - she is aware that I need the money but I don't know if she didn't ask me in case I got offended - I panic too much about getting caught out so will declare it!! :A
• Have just filled in the PPI letter, so will post that tomorrow using one of my manky old stamps that I found in my purse the other day!! :T

I have loads of stuff I can eBay, I feel cold and clammy at the thought of bootsale-ing,_pale_ but the kids have outgrown almost all of their toys and I think to bootsale them would be more sensible - the postage on eBay will make them too expensive, the old clothes I am going to bundle as they appear to sell better than single items.

I actually have some collectors barbies........don't ask........I fell in love with The Wizard of Oz barbies, and while watching for a cheap set to come up on eBay - 9 years ago - I found loads of unusual ones, never spent more than £10 including p&p, so I reckon there could be some profit in my loft - there's even a 'paralympic becky - friend of barbie' in a racing wheelchair......I kid you not!!! :rotfl:They couldn't bring themselves to put barbie in a wheelchair but its ok for her to have a diasbled friend!!! The only ones I would never get rid of would be the Wizard of Oz ones, the rest were bought purely as an investment!!! Although the biggest profit would probably be the WofOz ones I could never part with them, they are too beautiful!!

runmichellerun

Hi WBDF. Good luck on your diary.

I have an observation, and you can shoot me down if you like, but you say in your first post that you want to get rid of all the negativity bringing you down. Can I suggest you change the motto in your sig? 'I am trying really hard, but it never seems enough!' really does strike me as negativity, and if you look at the every time you post on here then you are surely not going to inspire positivity?

I will subscribe and look forward to reading your continuing decline of debts.