Quacking away!

salduck

I posted else where but figured i might turn it in to a diary! I will update wherever but my mission is to start my savings again and really build up a good nest egg!
Hi All A little about me and why i am posting!
I am 31 single love life! Work hard play hard but just feel like i am squndering all my money. i own a house down in england that is rented out, I rent up north.
I have had issues in the past with gambling however that is all behind me now and as of next month my soa is exact! Have kept a spending diary for the last 2 months to see where the pennies are going! I dont have a freezer so as much as i love to batch cook i cant!
my entertainment can go up or down dependant on the month but thats about average. Rent has not come in this month as I had to have work doen on the house and the rent was paid towards that. Any comments appreciated and welcomed.
Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 1
Number of children in household......... 0
Number of cars owned.................... 1
Monthly Income Details
Monthly income after tax................ 1725
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 492.5
Total monthly income.................... 2217.5
Monthly Expense Details
Mortgage................................ 408.5
Secured/HP loan repayments.............. 95.5
Rent.................................... 550
Management charge (leasehold property).. 4
Council tax............................. 86
Electricity............................. 57
Gas..................................... 0
Oil..................................... 0
Water rates............................. 0
Telephone (land line)................... 11.25
Mobile phone............................ 35 (work pays for this included in wage above)
TV Licence.............................. 16
Satellite/Cable TV...................... 0
Internet Services....................... 30( work pays for this mobile broadband and house broadband)
Groceries etc. ......................... 100
Clothing................................ 20
Petrol/diesel........................... 65
Road tax................................ 10
Car Insurance........................... 20.05
Car maintenance (including MOT)......... 15
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..................... 8.05
Contents insurance...................... 7.78
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 25
Haircuts................................ 10
Entertainment........................... 100
Holiday................................. 0
Emergency fund.......................... 30
(Unnamed monthly expense)............... 0
Netball fees............................ 15
Total monthly expenses.................. 1719.13

Assets
Cash.................................... 0
House value (Gross)..................... 90000
Shares and bonds........................ 0
Car(s).................................. 300
Other assets............................ 0
Total Assets............................ 90300

Secured & HP Debts
Description....................Debt......Monthly.. .APR
Mortgage...................... 71500....(408.5)....5.99
Secured Debt.................. 3000.....(95.5).....0
Total secured & HP debts...... 74500.....-.........-
Unsecured Debts
Description....................Debt......Monthly.. .APR
Barclaycard....................425.......25....... .0
Total unsecured debts..........425.......25........-

Monthly Budget Summary
Total monthly income.................... 2,217.5
Expenses (including HP & secured debts). 1,719.13
Available for debt repayments........... 498.37
Monthly UNsecured debt repayments....... 25
Amount left after debt repayments....... 473.37
Personal Balance Sheet Summary
Total assets (things you own)........... 90,300
Total HP & Secured debt................. -74,500
Total Unsecured debt.................... -425
Net Assets.............................. 15,375
Created using the SOA calculator at www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission, using IE browser.

salduck

Ok so i did this yesterday and today has been a good day.
I went to the supermarket and shopped for 2 weeks worth on saturday. Spend 32 pounds. Today i brought my oats in a food flask and made it at work for brekkie, lunch was peanut butter sandwiches and a choccy biscuit from home. Snacks of fruit for the rest of the day and no pennies spent today!
Hurrah.
Work meal out tonight so they will pay and i am driving so no drinking.
All good in the quackers household!

beanielou

So your only unsecured debt is Barclaycard at £425?
Shouldent take you too long to get rid of that.

salduck

Absolutely I have cleared quite a lot of it and this is the only thing left! Hurrah! i know its nothing and I just want a oplace where I can type away and write down my spends etc so I can keep it low or lower!
Sal

salduck

Another NSD today! Hurrah. Got my brekkie bought for me at a meeting and then had a lunch appointment where lunch was provided! yipee!
Love the fact i starte the week with a tenner in my pocket and plan on still having it there on Friday!

salduck

I spent £2 on pancakes and a cheese twist yesterday!
So not doing badly still have that £8 in my wallet and only today and tomorrow to go! woop woop!
Out tomorrow night so will need a few pennies for that but its all good when payday is a week away and my bank is still happy faces!
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