NTBY's sensible living and debt busting adventure

Luckycharm_2

Hiya NTBY! Happy New Diary to you!!! :j

Your carol concert sounded lovely, and for free! Too bad on the diary expense. I just managed to haggle a new one from work for nothing, and a calender too.

I'll be following your progress with interest. Best of luck.

Nottoobadyet

Thanks for reading, lucky! Its amazing the amount of free music there is in London if you look about, especially if you like classical.

Have you thought of doing the £10k in 2010 challenge? Its a steep goal and not all of us are really expecting to reach it, but it would knock out your debt quite nicely!

Nottoobadyet

Today was another day at home - could have been an NSD but I spent £20 on a set of tickets for a play I really want to see in January. It was a Saturday matin!e so cheaper than other times, but still more than I usually spend on theater tickets. Meant to be really good though, so hopefully it'll be worth it.

On the bright side, got fed by friends for dinner and got some nibbles as Christmas presents from a friend. Her presents were a hat I crocheted and a set of really lovely candlesticks I got on a work trip to Malawi, so it was cheap as you'd like. I've also been poking around the interwebs for good recipes for meal planning, which I want to start in the new year.

Ciao all!

Nottoobadyet

Well today was another NSD, but again because Im just feeling too awful to leave the house! I guess my body hasnt gotten the memo that its supposed to feel better over time, not worse. At this rate I wont be back to work on monday, which I feel a bit bad about as donor deadlines dont care how much of the staff is sick!


**cough cough sniffle**

Swinstie73

I'm reading too, just very slowly!! You're doing great so far! *subscribes*

Nottoobadyet

**cough cough cough**

Arg this is getting ridiculous. I'm coughing more or less constantly for days now, after being sick for weeks! I'll be at my wits end if it doesn't clear up soon.

Trying to sign up for Dooyoo, but haven't gotten the confirmation email. Has anyone else had a problem with this?

Nottoobadyet

Swinstie73 wrote: »

I'm reading too, just very slowly!! You're doing great so far! *subscribes*

Yay! So nice to have people listening to my moaning and groaning

Nottoobadyet

OK did an SOA (Finally!). This is things as they are, not as they should be...

Statement of Affairs and Personal Balance Sheet

Household Information
Number of adults in household........... 2
Number of children in household.........
Number of cars owned.................... 0

Monthly Income Details[/b]
Monthly income after tax................ 1835
Partners monthly income after tax....... 1000
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 2835

Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 845
Management charge (leasehold property).. 0
Council tax............................. 107
Electricity............................. 15 small flat, yay!
Gas..................................... 15
Oil..................................... 0
Water rates............................. 0 included in rent
Telephone (land line)................... 15
Mobile phone............................ 20 PayG
TV Licence.............................. 0
Satellite/Cable TV...................... 0
Internet Services....................... 8
Groceries etc. ......................... 150 I'm going to meal plan etc in the new year to get this down
Clothing................................ 20 mostly for OH dry cleaning of shirts
Petrol/diesel........................... 0
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 60 PayG bus passes - we both walk to work but use this for transport to other places / on nast weather days!
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 0 need to get this...
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 5
Haircuts................................ 5 all for OH, I get mine cut by students for free
Entertainment........................... 150 mostly nights at the pub, occasional 5- 10 quid theater tickets and food out! Will cut down on this...
Holiday................................. 100 yes, I know!
Emergency fund.......................... 0
CIMA membership......................... 8
Subscriptions........................... 15
Gym..................................... 76 for both of us, he's on a student rate at the council gym
Total monthly expenses.................. 1604[/b]


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

No Secured nor Hire Purchase Debts

Unsecured Debts
Description....................Debt......Monthly...APR
Bank of Mum (mine).............7000......0.........0
Credit card (OH)...............1000......0.........16
Loan (OH)......................2500......80........12
Total unsecured debts..........10500.....80........-
this doesnt include another loan that OH has back home, which is much larger and he doesnt want to talk about :eek:

Monthly Budget Summary
Total monthly income.................... 2,835
Expenses (including HP & secured debts). 1,604
Available for debt repayments........... 1,231
Monthly UNsecured debt repayments....... 80
Amount left after debt repayments....... 1,151
this is about right... I put 600 away for my debt every month and OH sends most of the rest to debt back home

Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -0
Total Unsecured debt.................... -10,500
Net Assets.............................. -10,500

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

Nottoobadyet

Posted SOA! words of wisdom this way, please....

edit - I should also mention that my OH's salary varies from month to month as he works hourly. He's looking to get a full time, better paying job shortly.

Nottoobadyet

OK, still sick, but going to make myself useful today. To do -

1. Write and send handwritten letters to my aunt and another to a friend moving to Alaska
2. Finish crocheting another Christmas present - a frilly scarf!
3. try out a new recipie for dinner tonight - (veggie) mince pasta bake.

Here we go...