Debt Dropping the Elfen way!

elfen

D - omelette with jelly for pudding.

elfen

Need to get back on the nosmo....the patches are giving me an itchy rsh, and the kerfuffle on the train kicked me into smokeland....but I'll drag myself back out and back onto the wagon to start afresh tomorrow...

Got some VERY good news today...council will cover half my rent (59 a week until July, then it goes up to 67) I got my smartcities card which give me free local bus travel, and is my library and leisure card, £2 an off-peak session (up to 2 hours!) and my council tax exemption form thing, so I don't pay council tax as I am not liable Also, my water payment is £8.40 a month too...time for a revised SOA...

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.................... 0

Monthly Income Details
Monthly income after tax................ 700
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 700

Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 225
Management charge (leasehold property).. 0
Council tax............................. 0
Electricity............................. 30
Gas..................................... 0
Oil..................................... 0
Water rates............................. 8.4
Telephone (land line)................... 0
Mobile phone............................ 25
TV Licence.............................. 29.5
Satellite/Cable TV...................... 0
Internet Services....................... 15
Groceries etc. ......................... 90
Clothing................................ 0
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...................... 6
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 10
Haircuts................................ 2
Entertainment........................... 37
Holiday................................. 0
Emergency fund.......................... 0
Extra CC payments....................... 25
Total monthly expenses.................. 502.9


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
Cap 1 .........................160.......10........0
HBOS...........................160.......10........0
BCW ...........................0.........5.........0
Vanquis........................230.......7.........0
westcot........................0.........9.........0
red............................0.........5.........0
Total unsecured debts..........550.......46........-


Monthly Budget Summary
Total monthly income.................... 700
Expenses (including HP & secured debts). 502.9
Available for debt repayments........... 197.1
Monthly UNsecured debt repayments....... 46
Amount left after debt repayments....... 151.1

Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -0
Total Unsecured debt.................... -550
Net Assets.............................. -550

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


Still need to cut out the fags, but I might be able to get this done...inhalator and use plaster over the patch as it doesn't go so red then.

I WILL do this!

elfen

Have started smoking again. No idea why except I have been more stressed than usual recently. I'll give it til Friday, then I'll try again.
Managed to start the C25K this morning, went around the park. Hurt a little at the time, but I do feel good for it.
Ok, targets for the rest of the week:

Eat healthily
No spending money on crap
No buying any more clothes
Do C25K at least 3 times - 1 2 3
Drink 2l of water/juice a day
Stop binging on crap
Do exercise at home
Try and read at least one of my books

Also, I've started a new fund called the EXF fund. For every day I exercise a £1 goes in, when I get back to no smoking another £1 will go in....so possibly £2 a day This is mainly to fund if I want to buy new things, I'll save for it. My first task is to save for a new TV....so here goes

elfen

Ok, did more exercise today (cardio and muscle work) so another pound in EXF. Another £2 in the Moosefund, no NSD as I had to get a card, some photo albums for my free photos from Jessops and some batteries for my MP3 player

B - nowt
L - celery, carrot, banana
S - orange
D - ham omelette
S - jelly

elfen

Not been in for a few days so time to catch up...Started c25k but need to get back into it this week, then maybe I'll watch the flab fall....need to get my tummy below 34 (hoping for 31-30 in the end) then I can fit into 12's again and be happy.
New funds are going OK, moose has had about a tenner go in this week, EXF only on 3 but hoping to up that next week.

Targets:
Do Week 1 - 4 runs
Double EXF money
NSDs - 4 I think this week
No buying crap, if I want to go out, no purse and in the park with a book in nicer weather
Do cardio - go to gym I think x2 to do a proper workout
Get skipping rope

elfen

NSD today which is always a bonus.
Have done week 1 run 1 of couch to 5k, and day 1 of the 30 day shred. I'm feeling it a bit, but I feel very.....satisfied.
Food diary
B - banana
L - banana
D - sausage, egg, bacon and chips - nomnomnom

elfen

week 1 run 3 today, I may run tomorrow or Sunday, or maybe both.
Had to stop the shred for a little as I can't get down that far right now!

Food:
B - smoothie
S - banana
L - banana, celery, ham
D - chicken - was sick, so might try some popcorn and see if it stays down

elfen

Tasks for the weekend:
Week 1 run 4 of c25k
Week 2 run 1 of c25k
Day 3 Stage 1 shred
Day 4 stage 1 shred
Food shopping
Tidy flat
Clean bathroom
Clean kitchen
Clean living room _ I got on my hands and knees with a dustpan and brush brushing the carpet, I have no hoover, and it works. Just the table to clean now
Clean bedroom
Shower
Find straighteners
Get better hairdryer/find directional nozzle I know where mine is
Get better hairbrush my round one is ok, I found that too
Sort out medication box sorted
Sort out DVDs
Sort out CDs
Sort out books
Sort out shoes
Sort out bags
Sort out top drawer
Buy new bra(s) Didn't find any I like, so left it
Organise things
Check bank
Check quidco Just waiting for it all to verify and drop in bank
Do as many surveys as poss hit 1025 on OP last night, so cashed that in
See if mate can give me what he owes.

elfen

Ok, food diary
B- smooooooothie (quite liking these as I don't feel 'full' when I go running)
L - nuts, half a bag of crisps (woke up early, so had a nap too)
D - chicken salad (nomnomnom)
S - apple and orange later maybe.

Feeling a bit better, the exercise is doing me good. Went out into town to get some foody bitys today, forgot my belt and had to keep hitching up my shorts (they're a 14 but my butt is a 12, my waist however is humongous) Weighed in and put on 3lb so not happy, but it's ok, there's 2 weeks of the month left to lose that and a bit more.

Got Mr Cheeky (London fella - he IS cheeky so seems appropriate) coming to see me Monday, til Weds evening. Seeing the ex tomorrow - trying to sort out what he owes me (£50, he said he'd put some in) and my mate (he owes me £25 but can't tx to other account as online banking wasnt working - I'd suggest phoning and doing a tx that way but nooooooo) So I'm owed £75, and I need to put money back into the bank.

Got another £2 today so MF is up to £36, and EXF is up to 6 now (I think, I put extra in just in case) Buuuuut there's still tomorrow

elfen

Food diary...
B - smooothie
L - salad, few nuts
D - chinese - I am NOT paying for this so :P lol

Did run1 of week 2 c25k, and day 4 of shred today, and I don't feel too bad