Getting down to business! :)

hypno06

It has taken a few of us several attempts to deposit - try logging out, and logging back in again and see if it will take your card then......it does work eventually - honest!! You can always email them if you need to - they take a little while to get back to you but they do so eventually.

Sea78

It registered, but no bonus yet - does it come tomorrow then?
xx

hypno06

Yup, deposit and play £5 - if you win, then you can withdraw it........then tomorrow when you log in you will have £5, and will have £5 every day for a month.......glglglgl!!!!

Sea78

ARGHHH
Just had a little look at finances and it's not as good as I thought!
Will post all on here in a bit - just getting kids settled.

Sea xxxx

Sea78

well, have had a look at the figures - this is it so far - will more detail given in red.


Monthly Budget SummaryAmount(£)
Total monthly income2,220.
Monthly expenses (incl. HP & secured loans)1,796.03
Available for debt repayments423.97
UNsecured debt repayments321
Amount left after debt repayments102.97

Personal Balance Sheet SummaryAmount(£)

Total Assets (things you own)150,000
Total Secured & HP Debt-92,000
Total Unsecured Debt-16,428
Net Assets41,572

Household Information

Number of adults in household1
Number of children in household2
Number of cars owned1

Income, Expense, Debt & Asset Details

IncomeAmount(£)

Monthly income after tax 1945
Benefits275
Other income0
Total monthly income2220

ExpensesAmount(£)
Mortgage 560 Ex husband keen to get this sorted when divorce comes through.
Secured/HP loan payments -tricky one - ex husband and I do have one, but he pays it with the child maintenance so I don't count it
Council tax 90 single person
Electricity 45 Gas45
Water Rates45
Telephone (land line)21.74
Mobile phoneattempting to lower this this week25
TV Licence12
Satellite/Cable TV0
Internet services0
Groceries etc.A large amount, allocated by CCCS so also get birthday, christmas, etc things out of this amount when organised. 315
ClothingSeemed a lot - but clothes, shoes etc for kids seems to be never ending!!60
Petrol/diesel60
Road tax10
Car Insurance56
Car maintenance (including MOT)20
Car Parking0
Other travelAA cover with sepcial coverage that they'll fix the car free. 20.29
Childcare/nursery250
Other child related expensesSchool dinners, various activities they do.70
Medical (prescriptions, dentists, opticians etc.)I have a prescription once a month and 5 towards haircuts, dentists etc13
Pet Insurance/Vet bills2 cats10
Buildings and Contents Insurance 30
Life Assurance15
Other InsuranceNUT payment23

Total monthly expenses1796.03

Secured & HP Debt

Description Debt(£) Monthly(£) APR(%)
Mortgage 92000 (560) 5.5
Secured & HP Debt totals 92000 - -

Unsecured Debt

Description Debt(£) Monthly(£) APR(%)
ALL CCCS 16428 321 0
Unsecured Debt totals 16428Asset Description Value (£)
House Value (Gross) 150000

Total Assets150000


I know it's sort of ok - and I'm truly blessed compared to some. Just feels like money is slipping through my fingers at the moment!!!

Sea78

ah sorted it now!

hypno06

So......a spending diary needed methinks

Sea78

Yep- and looks like when I do the review with the CCCS, they will take on board the extra £102.97, which I haven't even noticed:o. Whoops.

Feeling a little despondant - oh I forgot to include my contribution to the pot at AA meetings - that's about £5 a week actually.

BUT the increased money will take 12 months off my DFD AND if I was able to raise another £50 a month, that'd take it down another 5 months!!! So definitely room for improvement!
Sea xxx

Sea78

But the increased money will take a year off my dfd!!

hypno06

And a very important £5 a week too - but that can come out of the grocery budget, surely? Presumably you are saving a fortune on alcohol now?