Ollie Lollie's 2010 Diary

Olliegami

Thought I'd post my SOA in here...

Statement of Affairs and Personal Balance Sheet

Household Information
Number of adults in household........... 4
Number of children in household.........
Number of cars owned....................

Monthly Income Details
Monthly income after tax................ 779.14
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 80
Total monthly income.................... 859.14

Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 160
Management charge (leasehold property).. 0
Council tax............................. 43.66
Electricity............................. 7.87
Gas..................................... 7.87
Oil..................................... 0
Water rates............................. 11.21
Telephone (land line)................... 0
Mobile phone............................ 36
TV Licence.............................. 0
Satellite/Cable TV...................... 3.25
Internet Services....................... 3.25
Groceries etc. ......................... 75
Clothing................................ 10
Petrol/diesel........................... 0
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..................... 0
Contents insurance...................... 0
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 10
Haircuts................................ 0
Entertainment........................... 50
Holiday................................. 0
Emergency fund.......................... 0
Pet Stuff (1 Rabbit).................... 5.99
National Lottery........................ 1
Gym..................................... 38.99
Total monthly expenses.................. 464.09


Assets
Cash.................................... 100
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 0
Other assets............................ 0
Total Assets............................ 100

No Secured nor Hire Purchase Debts

Unsecured Debts
Description....................Debt......Monthly...APR
HFC Loan.......................3321.26...192.6.....31.85
HFC Card (Locked)..............1486.47...58........25.9
Lloyds TSB Card................990.24....50........15.9
Santander Overdraft............537.68....20........19.9
Total unsecured debts..........6335.65...320.6.....-


Monthly Budget Summary
Total monthly income.................... 859.14
Expenses (including HP & secured debts). 464.09
Available for debt repayments........... 395.05
Monthly UNsecured debt repayments....... 320.6
Amount left after debt repayments....... 74.45

Personal Balance Sheet Summary
Total assets (things you own)........... 100
Total HP & Secured debt................. -0
Total Unsecured debt.................... -6,335.65
Net Assets.............................. -6,235.65

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


Hopefully... I'm going to cancel my gym membership at the earliest possible time~! There are other things I know I need to work on, so I don't think I see the point in posting this somewhere else. I know what I need to work on... I suppose. =P

Olliegami

-STRETCHES-

It's Friday night, and I have so much to remember, so I'm making a list~!

* Post Ebay Parcels. - Done
* Work! - Done
* Fill out timesheet ready to be processed. - Done
* 2 x C# Programming Workshop Tasks. Done 1
* 1 x Computer Systems Workshop Task. - Done
* Deliver Avon Orders/Books - Attempted! Going to try again tomorrow.
* Hand out Avon contact cards Done
* Washing Done
* Drying Done
* Depositing Moneys~ - Done~
* Take up Hem of Jeans!
* Collate Extra Info for Student Finance (-_-) - Partially Done. Need to go to Student Services on Wednesday.
* Buy train tickets to visit my friend in Edinburgh
* Put together a bag for charity
* Find more stuff to list on ebay!
* Collect Parcel from Post Office - Done
* Look into opening a Student Account

... So not a lot. xD;

Olliegami

Money Totals:

Days until payday: 32 ;_;
Money in bank : £259.94
OnePoll: £9.45
Butlins Bingo: £0.16 - They stopped this now. ;_;
Take-A-Break: £0.36
Jackpotjoy: £0.04
GreenMetropolis: £11.00
1 Debt 100 Days Update: Initial Debt: -£549.82 Now: -£473.24

Avon Orders:

Current Order Total: £87.98
Current Commission: £20.75


Positive Things:

I've taken the 'money in bank' total from the 'final' number - thanks to my spreadsheet I've already figured it out for this month.

Lots of positive things today! It was payday, so that's awesome! I've also made my last payment to my gym membership which I have now cancelled, and paid my last Council Tax payment for the last property I lived in!

Really pleased with how my 'Abbey' overdraft is looking! I've been making a habit of paying in my Avon money so I'm taking off small chucks of debt with the profit from that!

As for the Take A Break balance, I'm trying to save it up to blow it all in one go! For some reason I prefer my chances if I do that. xD;

I have a few more Avon orders to collect, I'm really hoping I manage to break the £148 barrier this month! I'm also expecting about £22 credited which is awesome~!

Olliegami

Money Totals:

Days until payday: 31 ;_;
Money in bank : £259.94
OnePoll: £9.45
Take-A-Break: £0.46
Jackpotjoy: £0.04
GreenMetropolis: £11.00
1 Debt 100 Days Update: Initial Debt: -£549.82 Now: -£473.24

Avon Orders:

Current Order Total: £153.23
Current Commission: £37.06

Positive Stuff:

- Spent 1.5 hours with Bethy this morning~! We went to playzone again, which was fun but incredibly tiring!

- Managed to only spend £1.50 today, on 5 books from the library where they were having a sale. Most of them were Angel/Buffy novels, but I grabbed a Garth Nix book and a book that will be helpful for my course~

- Deposited check from Carer's Job.

- Got a book on networking from the library itself, which will be incredibly informative!

- Picked up another Avon order, and delivered my penultimate order for this campaign. ^^; Hit HOV so, that's good.

Olliegami

Money Totals:

Days until payday: 29 ;_;
Money in bank : £269.14
OnePoll: £9.85
Take-A-Break: £0.81
Jackpotjoy: £0.04
GreenMetropolis: £11.00
1 Debt 100 Days Update: Initial Debt: -£549.82 Now: -£473.24

Avon Orders:

Current Order Total: £153.23
Current Commission: £37.06

Positive Stuff:

- Spent £26 buying a rail card, which will be worth while over the year~!

- Dad gave me £25 for train tickets I'm getting to visit my friend in Edinburgh over New Year! I'm incredibly excited about that!

- Dtaying at my Dad's until Wednesday/Thursday, so I'm not paying for food or anything, which is awesome.

Olliegami

I'm really excited~!

I checked my Credit Report this morning... it was £15 in total, but I think it was worth it. Discovered that my credit rating was about 'fair', and I changed a couple of details that were wrong - specifically the address my Vodafone contract is registered with.

I also had an account showing with '3' that I cancelled in May! Looks like they didn't bother to remove my account with them. So, I called them today to get that changed.

THE AMAZING NEWS?

I just got myself a barclaycard! It's 0% interest on balance transfers for 16 months! So, when I find out my credit limit I'll be transfering across from my other cards depending on the limit. I'm so excited~!!

Olliegami

Phew.

I'm finding the £10 a day challenge really difficult to keep track of. When I do surveys and stuff it's generally on something like a whim, and I never really note it down. I suppose I also find it hard to count something that goes toward the final sum as money I've made... Hopefully I'll try and find a challenge for me. =P

I'm really feeling in control of things at the moment though. I got my credit limit confirmed by Barclaycard the other day. It was £3800! It really shocked me, but the first thing I did (after daydreaming about what I could spend the money on) was transfer two of my credit cards across to the card - as it has a 16 month 0% interest on balance transfers, which is awesome.

I'm also going to pay off my two overdrafts with the money that will be free on one of my 'normal' credit cards... and then do another balance transfer and close both my cards.

At the weekend I applied for a current account with Halifax, which should get me £50 cashback with moneysupermarket, which means I'll get £5 a month every time I deposit £1000 over the month, AND I can close my other accounts and start a fresh~

I'm quite looking forward to only having 2 debts, and one current account. Here's to an awesome financial future~!