Debt Dropping the Elfen way!

elfen

Pics of my flat are here.... http://s793.photobucket.com/albums/yy217/elfen10/Pictures%20of%20the%20Hobbit%20Hole/

Also, I got some new games and DVDs as it's been a while. Waiting for my Amazon voucher to clear from dooyoo so I can have a gander and see if there's anything I need. Also got some new undies and summery clothes in the hope the weather gets better.

There's also just over £50 in my cat...which I'll be saving

elfen

Things to do next week:
Revise
NSDs - minimum of three
LHA forms
IS phone thing - seeing if the disability premiums still exist
Print things off for ex
Tell ex to come pick them and his bits up
Hopefully pick books up from Waterstone's
Exam
Keep flat tidy and clean
Pick up mate from station
Have fun!

elfen

OK, first time for this. Need to meal plan....In my fridge/freezer/cupboards is:
Grapes, bananas, apples, oranges
Celery, carrots, lettuce
Gammon steaks, sausages, bacon, eggs, ham
Fromage frais, milk, egg mayo
Fruit juice.
Turkey mince, pork chops, Lamb mince
Sweetcorn, carrots, peas
Chips.
Jacket spuds
Beans x 2
Pineapple chunks x 2
Rice crackers, dried fruit, jelly.

Mkay...meal plan...
B (everyday) - cereal with milk
S - fruit
L - salad of some variety with ham or egg
S - jelly
D - pork chop with carrot and sweetcorn
sweet and sour chicken
meatballs
ham/bacon omelette
Sausages with veggies
Mince in sauce with veggies
Burger with salad
Chicken with jacket wedges and veg (tomorrow's lunch)
pork chop with salad
Sausage and egg (w beans)
Bacon and egg (w beans)

Ok, so tomorrow is:
B - cereal
S - banana
L -
S - jelly?
D - chicken and bacon salad

Monday:
B - cereal
S - orange
L - celery and carrot sticks with egg mayo
S - apple
D - sausage and egg

Tuesday
B - cereal
S - apricots and sultanas
L - ham salad
S - fruit
D - gammon with veggies

Weds:
B - cereal
S - orange
L - celery and carrot sticks with egg/ham
S - jelly
D - bacon and egg


Let's see how long the food lasts.

elfen

Ok, I went to Asda, got my kettle (from Tesco actually) and spent £4 in Ikea
In Asda, I got attracted by the Woopsies....and came home with more meat....so now I don't need to shop for meat for two weeks.

So, food diary for today is:
B - cereal
S - none
L - haslet, small bag of crisps, celery
S - orange maybe
D - sausage and veg

elfen

New SOA....

Statement of Affairs and Personal Balance Sheet

Household Information
Number of adults in household........... 1
Number of children in household.........
Number of cars owned....................

Monthly Income Details
Monthly income after tax................ 0
Partners monthly income after tax....... 0
Benefits................................ 780
Other income............................ 0
Total monthly income.................... 780

Monthly Expense Details
Rent.................................... 475
Council tax............................. 0 - student
Electricity............................. 30
Water rates............................. 20
Telephone (land line)................... 0
Mobile phone............................ 30
TV Licence.............................. 20
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 90
Clothing................................ 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........................... 27 - this is the gym
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 710


Assets
Cash.................................... 26 - in savings and cat
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
Vanquis........................200.......10........0
Lowell 1 ......................0.........10........0
Lowell 2 ......................0.........5.........0
Duh............................0.........9.........0
HBOS...........................0.........10........0
BCW............................0.........5.........0
Total unsecured debts..........200.......49........-


Monthly Budget Summary
Total monthly income.................... 780
Expenses (including HP & secured debts). 710
Available for debt repayments........... 82
Monthly UNsecured debt repayments....... 49
Amount left after debt repayments....... 21

Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -0
Total Unsecured debt.................... -200
Net Assets.............................. -200

This isn't taking into account any LHA I may get, nor does it include student loan/grant/bursary/IS top ups if allowed. When and if they happen, I'll add them in. My DLA goes up £15 a month in July, so that'll help, and the gym membership can be cancelled from September, so that'll free up a little more.

elfen

My pledges for this week:
NSDs - 5 days MINIMUM
Get all forms
Fill out forms and send back with evidence
Do not spend money on tat
Save money.

Also, as all my CD's are now saved on my computer, I'm going to sell my CD's on musicmagpie, and get some DVDs as a back up I've also got another 9 coming from paypal...so that'll help too.

elfen

OK, that's another 13 quid....and another possible 80 when I go to Cex tomorrow and get rid of some bits lying about the house....

solventsoon

Hi elfen
You've moved a long way in the past few days - well done!

The flat looks great - you've made it very homely looking already. Hope you're happy there and you're right, you need to have some fun.

Hope this is a change of life for you.

spoon
x

redsquirrel80

The flat looks really nice - really pleased for you!

elfen

OK, neutral spends today.....
Sold my xbox360 and games, got 90 for it....put 60 in the bank and spent 22 on some books and DVDs I need for uni....so it's educational, and counts as an NSD
Not happy with my fridge, went to cook some chicken and it was off, might be the chicken though as the other meat in there was fine
Plans for the rest of the week include:
Work out what I can batch cook and reheat later - I have no microwave
Wait for amazon voucher to turn up - then order some DVDs I have my eye on - neutral then
Not buy anything else this week unless it's needed - so tomorrow I'll stay in and do revision.
Look at what I have and what I need - think some frozen chicken might sneak it's way into my freezer at some point - if I do it today with the £8 change, it's still an NSD and it means I have nice chicken
Do washing up
Do washing - after 8 as cheap leccy then
Sort out gym - am now too far away to use it, so they might let me cancel with no charge, if I'm lucky!