Not Tiny, Not Courageous, but definitely in debt

tiny_courageous

Had £40 from quidco come through today, so that's straight for the savings pot.
Car is definitely going to need a new exhaust, so that'll be a few hundred quid. It's had new tyres and brakes over the last few months, and a new clutch last year so fingers crossed the MOT shouldn't find much else.

No shopping tonight as DH has the car. I have the car tomorrow as I have the dentist. Fortunately dentist is free thanks to maternity exemption!

Am now waiting for DH to get home after a hospital appointment (7pm! Who knew they did appointments that late!). Am starving. He's supposed to be bringing tea.

tiny_courageous

It has been a busy month. Savings wise I've been quite good, and now have 1k towards a new kitchen. I can get a mate to do it and that would be enough but I don't know if he can do what I've got in my mind (keen DIYer rather than kitchen professional) or I'm wondering if I should save up more to get it done by a local tradesman.

I've got used to being back at work and tiddler still loves going to the childminder. Being a distance from the shops is working well as well as I'm taking lunch in every day!

It's tiddler's birthday soon. Scary how quickly that's gone.

tiny_courageous

Payday, and I'm off sick (this is a coincidence). D&V is great fun when you've a little one to entertain.

Anyway, car tax paid. Didn't receive a reminder through the post yet, but wanted to get it paid and done as it was due end September anyway.

Friend has offered to do the kitchen so that's what I'm going with. Will save me a lot by way of cash - will require work on OH's part (and mine if we do it on a weekday while tiddler is at the childminders).

tiny_courageous

Ebaying is quite a success this month so far. A few things finishing tomorrow, all with decent bids.
Continuing to declutter. 2 bags of clothes ready for the charity shop, a few pairs of shoes and socks in the bin.
Tiddler's birthday next week, not got him any presents as such but he's got everything anyway!

tiny_courageous

Haven't updated for ages. Debt is still coming down, kitchen work has started (but will take a while), tiddler is a delight, work is... work. Need to update my SOA and look at a future plan for this year and next.

tiny_courageous

I have cause to do a new SOA, so here it is

Statement of Affairs and Personal Balance Sheet

Household Information
Number of adults in household........... 2
Number of children in household......... 1
Number of cars owned.................... 1

Monthly Income Details
Monthly income after tax................ 1700
Partners monthly income after tax....... 0
Benefits................................ 82
Other income............................ 0
Total monthly income.................... 1782

Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax............................. 86
Electricity............................. 30
Gas..................................... 54
Oil..................................... 0
Water rates............................. 18
Telephone (land line)................... 67
Mobile phone............................ 28
TV Licence.............................. 12.12
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 200
Clothing................................ 10
Petrol/diesel........................... 0
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 52
Childcare/nursery....................... 300
Other child related expenses............ 50
Medical (prescriptions, dentist etc).... 10
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 10
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 20
Haircuts................................ 0
Entertainment........................... 50
Holiday................................. 0
Emergency fund.......................... 100
professional registration............... 8
union fees.............................. 20.3
Total monthly expenses.................. 1125.42


Assets
Cash.................................... 2000
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 0
Other assets............................ 0
Total Assets............................ 2000

No Secured nor Hire Purchase Debts

Unsecured Debts
Description....................Debt......Monthly...APR
lloyds.........................4335......298.......11.2
Total unsecured debts..........4335......298.......-


Monthly Budget Summary
Total monthly income.................... 1,782
Expenses (including HP & secured debts). 1,125.42
Available for debt repayments........... 656.58
Monthly UNsecured debt repayments....... 298
Amount left after debt repayments....... 358.58

Personal Balance Sheet Summary
Total assets (things you own)........... 2,000
Total HP & Secured debt................. -0
Total Unsecured debt.................... -4,335
Net Assets.............................. -2,335

Created using the SOA calculator at https://www.stoozing.com.
Reproduced on Moneysavingexpert with permission, using other browser.

tiny_courageous

Well, a few months further on, baby number 2 is due in September, and debt is down to £2300 - less than 8 months left to go. It's been quite a year so far.
Back on track with ebaying, and picking up the few bits for baby this time round 2nd hand where possible again. Bargain double buggy already in the bag.

Baby number 1 is brilliant. He's a little character, funny and charming, and an absolute delight. He must have been for us to decide to have another!

OrangeFairy

Hi Tiny

Lovely to 'see' you- congratulations on your pregnancy! Fab news!

September is a great time to have a baby- oldest in their year which makes a lot of difference

Great to see the debt is coming down nicely

OF x