Willsmum and the debt monster

Nottoobadyet

hey willsmum, dont worry about the wingeing - lord knows we all need it now and again!

Sorry to hear about your diagnosis, but its good that now at least you'll get the support and meds you need. Do keep us posted - remember that there are lots of bipolar people on the DFW boards so Im sure they can be there for support if you need.

willsmum_2

Thank you Notoobadyet. Just wish I felt a bit more positive about things at the moment.

WM x x

willsmum_2

I have done it!! I am under the £15k mark for the first time :j!!!!

Somehow, being under 15k has made it all seem a little less scary. Just imagine how I will be feeling when I get it under £10k!!!

Am sitting here with a numb mouth as I have been to get my (expensive) crown done today. Nearly cried when I had to give over £198!!

I only have another £300 to pay off my virgin card and then they are going to "re-activate it. As much as I will feel better for having the cushion in case disaster strikes, I have already told Mum that she will be looking after it for me so I don't use it. Just not sure if I trust myself completely yet.

Managed to do my weekly shop for £22.14 this week which has beaten my previous record of £26. Very proud of myself .

Well, off to go and see what else I can pay off this week :rotfl:

WM x x

willsmum_2

Well Good afternoon everyone.

Sorry I haven't posted for a while, but I have been working stupid hours and have been too knackered to think straight.

Have had an excellent no spend week with 6 NSD out of 7. I am sure that is a record for me!

Am still on course (ahead, actually :T) to hit my own personal target of £14k debt by the end of April which is really inspiring. March should be a better month than February and April shoud be even better! There are 5 weeks in April and as I get paid weekly this is a real bonus for me :j!! So it will mean an extra payment going off the debts. How sad is it that I am excited about it already?

I have had my water bill for the year which has actually gone down (??) so I have planned for the new payments on that and I am just waiting now for the new council tax bill to come through the letter box. We are having a 2.5% rise this year so the sooner I know what I need to pay, the better! I hate not knowing what is going to be coming out of my account. I am getting seriously OCD with planning my money now!

Well, off now to update my SOA as I haven't done it for AGES.

Take care everyone

WM x x

willsmum_2

Household Information[/b]
Number of adults in household........... 2
Number of children in household......... 1
Number of cars owned.................... 1
Monthly Income Details
Monthly income after tax................ 1012
Partners monthly income after tax....... 0
Benefits................................ 80
Other income............................ 450
Total monthly income.................... 1542
Monthly Expense Details
Mortgage................................ 448
Secured/HP loan repayments.............. 0
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax............................. 110
Electricity............................. 30
Gas..................................... 38
Oil..................................... 0
Water rates............................. 46.21
Telephone (land line)................... 46
Mobile phone............................ 0
TV Licence.............................. 12.18
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 160
Clothing................................ 0
Petrol/diesel........................... 40
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
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..................... 29.25
Contents insurance...................... 0
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 0
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 959.64

Assets
Cash.................................... 0
House value (Gross)..................... 145000
Shares and bonds........................ 0
Car(s).................................. 0
Other assets............................ 0
Total Assets............................ 145000

Secured & HP Debts
Description....................Debt......Monthly...APR
Mortgage...................... 77000....(448)......2.5
Total secured & HP debts...... 77000.....-.........-
Unsecured Debts
Description....................Debt......Monthly...APR
Virgin Card....................2556.67...62........34.9
NW Overdraft...................3261.5....80........16.9
Moorcroft......................86.23.....15........0
Tesco..........................5803.12...25........0
Halifax........................2175.46...32........0
Windows........................1246......45........0
Total unsecured debts..........15128.98..259.......-

Monthly Budget Summary
Total monthly income.................... 1,542
Expenses (including HP & secured debts). 959.64
Available for debt repayments........... 582.36
Monthly UNsecured debt repayments....... 259
Amount left after debt repayments....... 323.36
Personal Balance Sheet Summary
Total assets (things you own)........... 145,000
Total HP & Secured debt................. -77,000
Total Unsecured debt.................... -15,128.98
Net Assets.............................. 52,871.02

willsmum_2

Well, I am sat here with a numb mouth after finishing my dental treatment today. I had to have a crown on one side and a filling on the other so I am actually numb from my chin to my nose:(. Am considering putting a bib on as I am fed up of spilling tea all down my shirt:rotfl:!!! So, have finished paying for the treatment today so after £198.00 :eek: I now have a healthy mouth.

I am really pleased that I have finished paying for that even though it did wipe out what little bit of money I had managed to pull together for "me".

So onwards and upwards now for the debt bustsing. I am amazed how easy I am finding NSD's. I have managed (somehow) to have all my expsenses coming out on one day a week meaning i normally get at least 5 NSD's a week!!

Take care

WM x x

lucielle

Hope the mouth is ok. Well done on the NSDs
L

willsmum_2

Well good evening everyone!

I am sorry I haven't been on for a while to update, but I have been pretty busy!

Have been doing a lot of work from home lately and it has been really good because I haven't had time to go out and spend any money!!

One bit of drama to tell you about. Some little s**t decided to set fire to the bottom of next door's garden and subsequently, we lost 4 fencing panels, a shed, my compost bin and some of the contents of the shed. :mad:

Will thought it was great that "fireman sam" was in the garden :rotfl:. You're probably wondering why I am not that bothered. Well, the shed was falling down and the fencing panels were damaged anyway so it was something we were planning on doing this summer as it was. Just means that hubby has to cough up and get it done earlier :0) There is no point claiming on insurance, because the excess is too steep for what we lost.

The debt busting is going well and I finally feel as though I am actually making some progress. I am hoping to be under the 14k mark in the next couple of weeks which is great news!

Well, off to do some more work.

Take care

WM x x

lucielle

Sorry to hear about the fire and fab news regarding the debt.
L