SOA/Budget - Advice Please!

jessicamb

vics_1982 wrote:

Hourglass, my original debts post see below.(shocked again now ha ha)


Hi all,

I have been addicted to this site since last year and have only now just had the bottle to write down my debts/expenses all in one go. So here goes....please be gentle....

Marbles £750.02 APR 12.22%PA M/P £15.00 pm
Barclays £945.67 APR 13.9% PA M/P £24.00 pm
Morgan Stanley £995.36 APR 12.2% PA M/P £35.00 pm
MBNA £999.23 APR 13.7% PA M/P £40.75 pm
Capital One £852.44 APR 14.52% PA M/P £28.46 pm
Barclay Loan £6350 APR 4.7% 18months gone, 18 to go. £175.54 pm

So total of above C/C £4542.75, The loan I pay as my half of mortgage with OH as we brought a boat so i took out this loan.

My monthly income is £1152.82 after tax
Additional £100.00 other work
My Monthly outgoings are:

Sky £39.75
Mobile £25.00 (just reworked contract for decrease)
Car Insurance £ 25.20
Water £29.67
Horse Insurance £30.00
Bike Insurance £17.77 (have now cancelled as not using this summer)
Fuel £160.00 (to work and back)
If i have MOT's i will not over pay a credit card and use that money instead.
If i need repair my darling b/friend does it....Marv!!!!
My OH pays the following for us
Council tax
Landline (through his business)
Broadband (through his business)
Mortgage (i contribute through loan)
House insurance

Down points

I don't do a weekly monthly shop as there is only two of us so my bad habit is nipping over co-op (just over road from house) and spending everyday in there. I need to sort that first & foremost!!!

So any ideas anyone???

Its not overly bad, but want to clear it so it doesn't hang over us!!!

Many thanks

Vics

Vics - can you copy this into a new thread so we can keep yours and Hourglasses advice seperate?

vics_1982

Hi Jessiecam

Was just showing Hourglass what was on my soa when i started.

Thanks

Vics
xx

jessicamb

vics_1982 wrote:

Hi Jessiecam

Was just showing Hourglass what was on my soa when i started.

Thanks

Vics
xx

Aaahh! The lightbulb flashes on (an no-ones home as usual)! Duh!

Hourglass

Yes, I agree on the boyf front! If I start flatsharing then I think I will get a second job too as it cuts down spending and brings money in - how do you find it?

I'm going to see how the commuting goes for a bit and how much it costs because you don't really know until you do it, right? I think then I'm going to look into flatsharing. As well as saving money, I'll make new friends and be able to visit and actually live in the gorgeous area that I will be working in.

On the money saving front, I called Virgin yesterday about the new phone that I brought a couple of months back and askd if I could return it which they agreed to and ordered the Nokia 1101 through Quidco. I saw this idea on another thread. My mum has also given me a 5p off per litre till spit which she got when she did her shop at Tesco which I will use too. I also did a big shop at Boots yesterday as it was triple points and got stuff for my friends and family so I could have their points. I've also taken out some £1 subscriptions as I'm always reading. Biggest thing though is that I'm looking into reclaiming back bank charges after reading on this site and the Consumer Action Group one. I would like to settle into my new job first so may not do this for a couple of weeks but it does give me researching time! On the down side, my right arm is sunburnt from being stuck in a traffic jam for 15mins yesterday! I couldn't do anything about it even though I felt sure I could feel my arm sizzling No suncream, no cover up and whichever way I moved I was still in the sun.

Thanks everyone!

T xx