The best things in life aren't free!!

BEAT_THE_DEBT

Hi yes my diary is called loved life a wee bit to much! 52K of debt to tackle so will be around for years!

skintbuthappy81

Hey that's no bad thing at least you are doing something about it!!

Moneytroubles_2

Hiya, welcome to diaryland!

Look forward to seeing your progress

BEAT_THE_DEBT

Hi is your DJ a house rabbit?x

skintbuthappy81

BEAT_THE_DEBT wrote: »

Hi is your DJ a house rabbit?x

Yeah we used to have him in the garden but brought him inside one winter 3 years ago and he has been inside ever since, he is house trained so it's easy to have him in, he is 10 years old now, very old for a rabbit

skintbuthappy81

Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 2
Number of children in household......... 0
Number of cars owned.................... 2
Monthly Income Details
Monthly income after tax................ 1450
Partners monthly income after tax....... 1550
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 3000

Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 550
Management charge (leasehold property).. 0
Council tax............................. 118 (10 months)
Electricity............................. 35 (unable to change)
Gas..................................... 56 (unable to change)
Oil..................................... 0
Water rates............................. 18 (unable to change)
Telephone (land line)................... 0 (with sky package)
Mobile phone............................ 17 (o2)
TV Licence.............................. 0 (think its £32 every 3 mth)
Satellite/Cable TV...................... 53 (inc phone and net)
Internet Services....................... 0
Groceries etc. ......................... 250 (high for 2 I know)
Clothing................................ 80 (not every month)
Petrol/diesel........................... 100 (My car alone)
Road tax................................ 0 (£210 per yr)
Car Insurance........................... 39
Car maintenance (including MOT)......... 0 (pay it when due)
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 10
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0 (pay when needed)
Haircuts................................ 70 (every 3 mth)
Entertainment........................... 60 (only go out once mth due to work)
Holiday................................. 0 (pay when needed)
Emergency fund.......................... 0
Total monthly expenses.................. 1456

Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 11000 (mine)
Other assets............................ 0
Total Assets............................ 11000

No Secured nor Hire Purchase Debts
Unsecured Debts
Description....................Debt......Monthly...APR
credit card....................950.......0.........0
car............................5500......0.........0
Total unsecured debts..........6450......0.........-

Monthly Budget Summary
Total monthly income.................... 3,000
Expenses (including HP & secured debts). 1,456
Available for debt repayments........... 1,544
Monthly UNsecured debt repayments....... 0
Amount left after debt repayments....... 1,544
Personal Balance Sheet Summary
Total assets (things you own)........... 11,000
Total HP & Secured debt................. -0
Total Unsecured debt.................... -6,450
Net Assets.............................. 4,550

skintbuthappy81

I think this is it, I don't really get the last bits. The reason my gas, electic and water can't be changed is due to the rental aggreement.

Snowmoredebt

hi skint

We got £35 for the gold, it was a small amount a ring, thin necklace, thin ankle bracket and an odd earing.

OH is looking into mystery shopping thank you and hope you are still feeling positive

skintbuthappy81

Moneytroubles wrote: »

Hiya, welcome to diaryland!

Look forward to seeing your progress

Thanks, lets hope I manage to progress

skintbuthappy81

Snow, It's shocking how much gold goes for these days (showing my age now hehe) but like i said in your diary if it was only lying around anyway then the money will come in handy won't it?