A clean fresh year just there for the taking!!

hypno06

Hopefully once term is under way you will be able to address some of the work stuff and in the meantime, I hope something else comes along.

Glad the children are good - they will be growing up so quickly now! My DD is off to 6th form on Monday - now THAT is scary!!

savingholmes

Nice to see you back

beanielou

Good to see you.

hypno06

Right - am shattered, so off to bed......have a good day tomorrow and keep posting - you know it makes sense

beanielou

What Hypno says from me too.

Sea78

Hi again Thanks for the welcomes back!!

I've just redone my SOA - with any additional info along side.

Current SOA - allowances set by CCCS unless otherwise stated

Mortgage 589
Water Rates 43
Council Tax (single person discount) 88
Electricity & Gas 120 (very generous amount, set by CCCS!)
House Ins 29 (contents & building, up soon, will be shopping round)
Phone 35 (£20 home & broadband, 15 mobile)
TV Licence 12
British Gas Cover 20 (allowed by CCCS & used)
Childcare 250 (before school club, needed unfortunately)
Life Ins 15
Car - services/spares 20
Tax 10
Insurance 75 (big mistake, upfor renewing in Dec)
Fuel 60
Clothes 29 (for me & 2 kids - lol)
Food, toiletries, cleaning 315 (plenty - so I need to use this wisely to maximise money)
School Meals 100 (swapping to packed lunches as of next week!!)
Pets(2 cats) 30 (allowance from CCCS)
School trips/activities 5
Hairdressing 8
NUT 20 (swapping union - pay nothing til jan then 16 a month)
Prescriptions 8
Dentists/opticians 5
Entertainment 20
Emergencies 20
DEBT PAYMENT TO CCCS 406

PLUS
AA membership with breakdown cover 26 - need to tell CCCS
Karate (the kids) [STRIKE]44[/STRIKE](this will have to come out of the food allocation)
Brownies [STRIKE]10[/STRIKE](this will have to come out of entertainment allocation)


=

OUTGOINGS: 2358
Minus the school dinners = 2258

Incomings:
Wage: £1976
CB: 144

= 2120

So will be ringing CCCS tomorrow to inform them and my debt repayment will be going down by £138. Ah well.

hypno06

Better that the debt repayment goes down, and your debt reduces slower, but that you remain able to "live" and therefore can reduce some of that stress, than to keep going with a shortfall that in reality will just get bigger and bigger and then risks you failing your DMP.

Your debt figures are going down nicely - it is hard work on one salary, but you are a strong woman, and you are doing brilliantly.

Did notice no figure for child support - is that included in "wages" or do you not get any?

I hope you have a good day x

Sea78

Hi Hypno

I don't get any in hand as such - the child support goes directing from ex husband to the secured loan he got through his work when we moved. So I just don't count that at all!

Also didn't mention the fact I will have to find this money to pay the tax credits back - so I am going to ask them if they will accept £50 a month - then that leaves me with that £50 to find each month. So I've got a whole load of duplo which I was going to donate, but at the moment I need the money and when I'm back on my feet I will be able to donate things again. So I'm going to photo it all and list on ebay (snore). lol

Feeling better for a good sleep and hte kids went off to school nicely this morning. Talked to the secretary and have got them on packed lunches from Monday SO off to different shops today to get the freezer full of cheap rolls and ensure I've got stuff in for flapjacks, raisins etc etc.

Feeling better just from being on here again - crazy isn't it! - and being a little more proactive. I can only do what I can do, and take it one day at a time!

Sea xxx

hypno06

One day at a time, indeed.....that's all we need to do

Packed lunches will make a big difference - see you are regaining control already :T

beanielou

Keep plodding