A Trolley full of yellow . . .

REDMADCURLS

well yes it does, keeping warm in this weather is almost as good as a treat

Cialilerin

Hi, How you doing? School holidays are either great or stressful - so far mine are great - but we are only 3 days in;) No doubt by the big day I'll be chomping at the bit to get back to work!!
Are you snowed in?

cloud_cuckoo_land

Hi guys, as you've probably guessed I've not been too well over the past month so haven't been on much.

Hopefully I'll be back to my old self soon. x

Cialilerin

Thinking of you xx

cloud_cuckoo_land

Hi guys,

If there's anyone still around I'm making an attempt at sorting myself out.

I think I told you all that I left my job, and moneywise it's all been a bit of a nightmare - I still have all the debt but absolutely nothing to pay them with. I have just sent out a letter to them asking them to hold action for 28 days so I'm just keeping my fingers crossed.

Off to catch up with other peopls threads.

Cuckoo. xx

REDMADCURLS

Great to hear from you Cuckoo - hopefully nightmare is over soon and letters have positive outcome.

And we're all still here - pushing each other along or sometimes just keeping each other from going backwards! xx

Cialilerin

Well done for sending out those letters. You'll feel better soon and can start sorting out those debts then. You are more important than money!

cloud_cuckoo_land

Cialilerin wrote: »

Well done for sending out those letters. You'll feel better soon and can start sorting out those debts then. You are more important than money!

needed to hear that, thankyou.

Cuckoo. xx

cloud_cuckoo_land

OK, Husband's moved back in - lodgers moved out - son living with Dad half the time so I'm losing half the Child benefit and Child tax Credit and Half My son!! :-(

Posting my statement of Affairs - Snowball says if I stick to the plan I'll be debt free by August 2015.

My SOA may look quite extravagant, but my husband believes he works full time so deserves a take away once a week,a kick !!!! internet connection, a bit of spending money and a couple of online game subscriptions.

Let me know what you think but don't be too harsh!! lol

Cuckoo. xx

Statement of Affairs and Personal Balance Sheet

Household Information
Number of adults in household........... 2
Number of children in household......... 3
Number of cars owned.................... 0

Monthly Income Details
Monthly income after tax................ 0
Partners monthly income after tax....... 800
Benefits................................ 1328
Other income............................ 0
Total monthly income.................... 2128

Monthly Expense Details
Mortgage................................ 535
Secured/HP loan repayments.............. 0
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax............................. 64
Electricity............................. 100
Gas..................................... 50
Oil..................................... 0
Water rates............................. 50
Telephone (land line)................... 0
Mobile phone............................ 80
TV Licence.............................. 15
Satellite/Cable TV...................... 0
Internet Services....................... 120
Groceries etc. ......................... 305
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............ 40
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)...... 0
Haircuts................................ 0
Entertainment........................... 175
Holiday................................. 0
Emergency fund.......................... 0
school Dinners.......................... 110
Take aways.............................. 80
Maintenance............................. 86
Charity................................. 5
DD's school bus......................... 20
Subscriptions........................... 20
Cinema.................................. 14
Total monthly expenses.................. 1869


Assets
Cash.................................... 0
House value (Gross)..................... 120000
Shares and bonds........................ 0
Car(s).................................. 0
Other assets............................ 0
Total Assets............................ 120000


Secured & HP Debts
Description....................Debt......Monthly...APR
Mortgage...................... 87631....(535)......5.54
Total secured & HP debts...... 87631.....-.........-

Unsecured Debts
Description....................Debt......Monthly...APR
Black Horse....................231.......3.........0
Westminsters...................117.......1.........0
DFC............................291.......4.........0
Tax Credits....................500.......15........0
HSBC...........................379.......6.........0
barclays 2.....................1500......25........0
barclays 1.....................1500......25........0
HMRC...........................100.......1.........0
P.Kennedy......................1495......25........0
Capital One....................200.......3.........29.9
Vanquis........................1176......19........0
B. Emery.......................6672......112.......0
Fredrickson....................554.......9.........0
Total unsecured debts..........14715.....248.......-


Monthly Budget Summary
Total monthly income.................... 2,128
Expenses (including HP & secured debts). 1,869
Available for debt repayments........... 259
Monthly UNsecured debt repayments....... 248
Amount left after debt repayments....... 11

Personal Balance Sheet Summary
Total assets (things you own)........... 120,000
Total HP & Secured debt................. -87,631
Total Unsecured debt.................... -14,715
Net Assets.............................. 17,654

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

cloud_cuckoo_land

Just got a letter from DLA - I'll be getting an extra £18.95 per week on top of that plus some money backdated which I'm putting straight towards my snowball. Changing my Debt Free date to July 2014!!!

Funny how every time you actually start concentrating on money something happens to make it easier!

Cuckoo. xx