Dreamys on a mission!!!

dreamywings1

Im starting this diary just to try to keep me on track.

SOA as from today

Statement of Affairs and Personal Balance Sheet

Household Information
Number of adults in household........... 1
Number of children in household......... 3
Number of cars owned.................... 1

Monthly Income Details
Monthly income after tax................ 720
Partners monthly income after tax....... 0
Benefits................................ 1316
Other income............................ 0
Total monthly income.................... 2036

Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 650
Management charge (leasehold property).. 0
Council tax............................. 119
Electricity............................. 40
Gas..................................... 40
Oil..................................... 0
Water rates............................. 21
Telephone (land line)................... 25
Mobile phone............................ 20
TV Licence.............................. 13
Satellite/Cable TV...................... 47
Internet Services....................... 23
Groceries etc. ......................... 400
Clothing................................ 10
Petrol/diesel........................... 100
Road tax................................ 15.84
Car Insurance........................... 49
Car maintenance (including MOT)......... 15
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 70
Medical (prescriptions, dentist etc).... 5
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 12
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 67
Haircuts................................ 10
Entertainment........................... 5
Holiday................................. 20
Emergency fund.......................... 20
Total monthly expenses.................. 1796.84


Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 4500
Other assets............................ 0
Total Assets............................ 4500

No Secured nor Hire Purchase Debts

Unsecured Debts
Description....................Debt......Monthly...APR
DWP............................2100......20........0
Cat 1..........................1200......135.......39
Cat 2..........................350.......30........39
Total unsecured debts..........3650......185.......-


Monthly Budget Summary
Total monthly income.................... 2,036
Expenses (including HP & secured debts). 1,796.84
Available for debt repayments........... 239.16
Monthly UNsecured debt repayments....... 185
Amount left after debt repayments....... 54.16

Personal Balance Sheet Summary
Total assets (things you own)........... 4,500
Total HP & Secured debt................. -0
Total Unsecured debt.................... -3,650
Net Assets.............................. 850

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

During the past month I have emptied my freezer, fridge and cupboards ready to start from scratch to show the "real" cost of my spending each month. I have done a monthly meal plan and yesterday I went shopping and bought ONLY what was on my list. This diary is to try to keep me on track with my spending, to get down the debt and to try to stay focussed. My debt free date is July 2010 but I would love to try to knock 2 or 3 months off this. Its gonna be hard but i think its doable. All comments will be greatly appreciated.

I have also started a spending diary so hopefully will be keeping this updated

dreamywings1

Forgot to mention im paid every 4 weeks so my month is 20th November - 18th December. (I get paid tomorrow)

dreamywings1

Monthly Meal plan (evening meal only)

[STRIKE]Friday - Chicken Fajitas[/STRIKE]
[STRIKE]Sat - Egg, chips n beans[/STRIKE]
[STRIKE]Sun - Roast beef dinner[/STRIKE]
[STRIKE]Mon - Cottage pie made from left over beef[/STRIKE]
[STRIKE]Tue - Chicken Curry[/STRIKE]
Wed - [STRIKE]Stew and dumplings[/STRIKE] fajitas
[STRIKE]Thurs - chicken pie[/STRIKE]
[STRIKE]Fri - Leek and cheese soup[/STRIKE]
[STRIKE]Sat - Spag Bol[/STRIKE]
[STRIKE]Sun - Roast Pork dinner[/STRIKE]
[STRIKE]Mon - Vegi burgers and potato wedges[/STRIKE]
[STRIKE]Tue - Chicken Fajhitas[/STRIKE]
[STRIKE]Wed - Lasagne[/STRIKE]
[STRIKE]Thurs - Sweet n Sour chicken and rice[/STRIKE]
[STRIKE]Fri - Pasta Carbonara[/STRIKE]
[STRIKE]Sat - Egg chips n beans [/STRIKE]
[STRIKE]Sun - Lamb Dinner[/STRIKE]
[STRIKE]Mon - Baked potato with cheese and beans[/STRIKE]
[STRIKE]Tue - Spag bol[/STRIKE]
[STRIKE]Wed - Fry up[/STRIKE]
[STRIKE]Thurs - Mince and onions, mash n veg[/STRIKE]
[STRIKE]Fri - Omelette with ham and cheese[/STRIKE]
[STRIKE]Sat - Pizza and jacket spud[/STRIKE]
[STRIKE]Sun - Chicken dinner[/STRIKE]
Mon- Chicken and veg soup
Tue - Pasta with mushrooms, peppers, onion, chilli and feta cheese
Wed - chilli con carne and rice
Thurs - Chicken curry

miemie

:hello:Hi Dreamy, found your diary and its looking good, have you thought of looking at other ways of making a bit extra money, ebay, free scratchcard, daily clicks etc, going to subscribe to your diary,love the meal plan your very organised, keep up the good work.

Pinky15

Good luck dreamy you seem focused and have a good plan there! Looking forward to reading your progress:j

dreamywings1

Managed a NSD today but thats only because my bank balance is NIL :mad:

Payday tomorrow so back on the straight and narrow, but hopefully I will only need to buy milk and veg this month as I bought in bulk yesterday.

Ive started making my own bread but today by mistake ive ermmm recycled the recipe booklet through the shredder lol

Ive signed up for Bingo Britain and am currently playing my £5 daily bonus but no wins yet

Daily clicks I cant seem to get into, I do it 1 day then forget the next :mad:

I have stacks of stuff to put on ebay but my camera is broken and at the moment I cannot afford to buy a new one, although my mobile does have a camera on it but the pics arent that great!

Thanks for reading
HUGZ Dreamyx

Lemon_Tree

the daily scratch cards are worth a bit of effort, i'm sure i've cleared about £120 since the start of Jan which is fab for a couple of minutes work each day. Just got OH started at the end of last month and i've just withdrawn his first fiver on his behalf.

dreamywings1

Lemon_Tree wrote: »

the daily scratch cards are worth a bit of effort, i'm sure i've cleared about £120 since the start of Jan which is fab for a couple of minutes work each day. Just got OH started at the end of last month and i've just withdrawn his first fiver on his behalf.

Where do I go for the daily scratch cards?

dreamywings1

Payday today :j:j:j but just checked bank and im skint again already. I pay my rent by cheque which I gave to her on Wednesday and its cleared today, leaving me a grand total of £95 left in the bank till Wednesday. I have decided to allocate £70 per week for food but realistically I shouldnt need this as I "Bulk" bought on Wednesday so should only need to top up with milk and veggies (didnt buy frozen veg as my kids dont eat it, plus there was no room left in the freezer!) Do need to go and buy coffee though as I forgot to buy it from the wholesalers the other day! :mad: oh and the car will need diesel . Made bread last night (managed to find the recipe booklet online so downloaded that. Will need to make another today.

Ive also had my estimated Gas bill and it is soooo under estimated so decided I am going to up my monthly payments on both gas and electric to £60 each per month as I wouldnt want a huge bill landing on the doorstep. This should be viesable if I keep a hold of the purse strings.

miemie

Hi Dreamy, sorry your skint but at least the bills are paid.
Good idea about the gas and leccy at least if your in credit you can always ask for it back.

dreamywings1

Opppsss my NSD went out of the window and ended up spending £19.42 bought a scratch card and won a tenner so not so bad, also bought a euro millions ticket for tonight. Only went out to the shop for coffee! Ended up buying the kids some sweets and some nibbles for later hummm I MUST TRY HARDER!!!