panias pretty perfect pages of positiveness and proactivity

shaun40400

hi p
what you supposed to be doing??

ive just washed and dressed the kids,,,now need to [STRIKE]milk[/STRIKE]feed
lol,,,too much time being spent on the farm ..have to get oh up soon as she over to her friends to get her hair done,,,around 12 ish...so 3 hrs hair,,,3hrs shopping probably see her about 6ish,,,,quality family time !!!

doodledo_2

Awwww doodlebug I like it, makes me sound almost cute lol

P think its time you stuck up an SOA chick, we haven't seen one for a while.

Remember from our chat last night we need these debts gone so we can go and play

pania

Ha ha!! the soa aint gonna look so cool!!! thats fab thanks vanda,
Shaun i'm meant to be doing lots of boring worky type stuff, the day is going soooo slowly!! you mention a farm? fabb! i'm a real country girl at heart tell me more!!

Doodle you are cute hon!! will work on soa in between other stuff, namely paid work!

pania

oooh shaun i need farmville neighbours too!!! will pm you!

doodledo_2

Need the SOA hun then we can get a plan ready to bust the debt :T

pania

doodledo wrote: »

Need the SOA hun then we can get a plan ready to bust the debt :T

Yes boss! am on it!!!:D

pania

Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 1
Number of children in household......... 0
Number of cars owned.................... 1
Monthly Income Details
Monthly income after tax................ 1568
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 1568
Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 250
Management charge (leasehold property).. 0
Council tax............................. 0
Electricity............................. 0
Gas..................................... 0
Oil..................................... 0
Water rates............................. 0
Telephone (land line)................... 0
Mobile phone............................ 45
TV Licence.............................. 0
Satellite/Cable TV...................... 0
Internet Services....................... 30
Groceries etc. ......................... 80
Clothing................................ 50
Petrol/diesel........................... 150
Road tax................................ 12
Car Insurance........................... 22.14
Car maintenance (including MOT)......... 20
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..................... 0
Contents insurance...................... 0
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 20
Haircuts................................ 10
Entertainment........................... 30
Holiday................................. 0
Emergency fund.......................... 0
gym..................................... 32.34
Total monthly expenses.................. 751.48

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
total debt ....................19536.8...800.......0
Total unsecured debts..........19536.8...800.......-

Monthly Budget Summary
Total monthly income.................... 1,568
Expenses (including HP & secured debts). 751.48
Available for debt repayments........... 816.52
Monthly UNsecured debt repayments....... 800
Amount left after debt repayments....... 16.52
Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -0
Total Unsecured debt.................... -19,536.8
Net Assets.............................. -19,536.8
Created using the SOA calculator at www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission, using IE browser.

ok, so that is the bare bones of it. £800 per month is this month only and will be dropping to £600 as per next month,

No utilities as i lodge and pay rent.
mobile phone is contract and only so high as is my only phone, tied in until 2011
internet is so high as i had to get a laptop last year when i left work so took orange up on their offer in a very bad decision making process. lumbered with this until feb 2011, 24 month contract aaargh!!!!

Gym is, for me, a vital and a lifesaver and essential for me to maintain my wellbeing and peace of mind. without exercise depression comes back very quickly.

Pull everything else apart, go for it!!

doodledo_2

Good I expect it on here today missy

doodledo_2

Oooo and it appears lol

Well not much to pull apart there is there!

Ok so the debts what are they split over, cards or loans etc

Have you snowballed??

You have a nice amount of surplus each month to chuck at the debts.

PS £30 entertainment, is this realistic lol. It definately won't cover our night out :rotfl:

pania

what do you mean? i thought you were paying!!!

yep have snowballed, some debts are now down to in the £200's and i just want them gone! is more a case of being able to chuck more at it as i go, earning more from other ventures etc...

Will list all debts individually once at home and I have the info to hand, come march's pay I will have cleared a debt to a friend along with two other larger debt payments that will no longer be going out which will give me best part of £400 per month in excess of my contractual debt paymetns that I can then use to wallop the dinky ones. hopefully then i'll be able to get it down to about £11k rapidly.