A year to 40 and a new life.

mum2one

365days wrote: »

Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 1
Number of children in household......... 1
Number of cars owned.................... 1
Monthly Income Details
Monthly income after tax................ 720
Partners monthly income after tax....... 0
Benefits................................ 475
Other income............................ 0
Total monthly income.................... 1195
Monthly Expense Details
Mortgage................................ 255
Secured/HP loan repayments.............. 0
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax............................. 36
Electricity............................. 64 - Thats not bad considering you have no gas, but u still might squeeze a little off, lights off, don't leave on standby etc
Gas..................................... 0
Oil..................................... 0
Water rates............................. 32
Telephone (land line)................... 18
Mobile phone............................ 5
TV Licence.............................. 13
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 220
Clothing................................ 30
Petrol/diesel........................... 80
Road tax................................ 12
Car Insurance........................... 20
Car maintenance (including MOT)......... 20
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 4
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 10
Buildings insurance..................... 13
Contents insurance...................... 0
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 20
Haircuts................................ 10
Entertainment........................... 60
Holiday................................. 20
Emergency fund.......................... 0
Total monthly expenses.................. 942

Assets
Cash.................................... 0
House value (Gross)..................... 137000
Shares and bonds........................ 0
Car(s).................................. 2000
Other assets............................ 0
Total Assets............................ 139000

Secured & HP Debts
Description....................Debt......Monthly...APR
Mortgage...................... 88000....(255)......0
Total secured & HP debts...... 88000.....-.........-
Unsecured Debts
Description....................Debt......Monthly...APR
cc.............................4100......93........6.8
cc.............................2300......23........6.8
Total unsecured debts..........6400......116.......-

Monthly Budget Summary
Total monthly income.................... 1,195
Expenses (including HP & secured debts). 942
Available for debt repayments........... 253
Monthly UNsecured debt repayments....... 116
Amount left after debt repayments....... 137
Personal Balance Sheet Summary
Total assets (things you own)........... 139,000
Total HP & Secured debt................. -88,000
Total Unsecured debt.................... -6,400
Net Assets.............................. 44,600
Created using the SOA calculator at www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission, using IE browser.

Thats brilliant a positive at the end of the month on the SOA, you've done brilliantly, your soon have those debts knocked into shape xx

Can't believe you've gone from nearly £150 short pm to to a plus of £137... what ever you have done, plz share the info and bottle it... xx

findingmyfeet

hi 365

just read all your posts and think you are doing real well. Know the feeling forty approaching, over weight, wondering who my friends actually are and having no money and no goals/aims in life.............well thats still the case here and im almost 44 and have done nothing about it!!!!!!!!!!!!!
Time to get myself organised and do more about it......reading your story has helped spur me on so many thanks for that and hope you dont mind me popping in now and again for a chat or a grumble....

good luck xx

365days

I think I have shaved a bit here and there from my SOA.

Biggy is smoking roll ups instead of 'proper' ciggies. The Council Tax benefit has kicked in as has an increase of Tax credits and paying £20 a month less income Tax.

Have recently got back from a nights camping. Campsite, really local to us, was amazing. Very small, about 15 pitches, and on a small holding. Lots of baby chicks and rabbits and lambs and pigs for kids to feed and cuddle. They also allow campfires and we (me and ds) sat up late, toasting marshmallows on the fire and watching the meteor shower. Not bad for £16 a night!!!

Anyway-chatting to the male half of the couple who own it. I said 'I want your life' and he replied 'Well if you work hard you can' they run the camp/small holding for the summer and then go abroad for 4 months over the winter to India. Definately food for thought. Motivated me to look around for part time teaching jobs. Need to earn more cash and really it's foolish not to if I can.

Ds is going to stay with my mum for 10 days from Monday so I have sooooooo looking forward to having a mamouth de clutter. (I bet I've said that before!)

Last day of term someone ran in the back of me in the car. I have loads of paperwork/phone calls to make about that so must get my finger out.

365days

10 days (at least) of freedom ahead. DS has gone to Grans.

Will write a HUGE list tomorrow of what I want to get done.

Different_Corner

Hi 365!
Hope you are all bright eyed and bushy tailed.
Go for it on the declutter, feels good. I seem to have waves of decluttering motivation, but as long as they keep coming and someone wants to actually buy my 'tat' on ebay it's all good.

365days

Monday ~ Kitchen and Dining area
Level One
[STRIKE]
Sweep and mop the floor
[/STRIKE][STRIKE]Clear and wipe worksurfaces[/STRIKE] just the ones that weren't too hidden [STRIKE]Clean the sink![/STRIKE]Level Two
[STRIKE]
Wipe fronts of appliances and units.. kickboards too!
[/STRIKE][STRIKE]Wipe small appliances and replace.. clean 1 to perfection..[/STRIKE]
Wipe table and replace cloth if needed-nowhere near!!!!
Level Three
[STRIKE]
HHI
[/STRIKE]Tidy the undersink cupboard.. only put back what is supposed to be there!!
[STRIKE]Wipe over oven and hob [/STRIKE]and fridge.


Extras

1. [STRIKE]
   
2. Dejunk windowsills
3. [/STRIKE]Degunge deterrgent drawers, filers and doorseals!!!
4. [STRIKE]
   
5. Degrot tiles
6. [/STRIKE][STRIKE]Empty and wash out bins![/STRIKE]Tuesday - Sitting Room and Hallway

Level One
Open the windows and turn on some music!
Vacuum floors and sofas!
Declutter the chairs, floor and top of any cupboards!
Level Two
Vacuum under any furniture you can.. please don't injure yourselves!
Sort out coats, shoes and bags
Clean any ornaments, glass, mirrors, pictures etc
Level Three
Check those smoke alarms!
Wipe sofas, paintwork and dusty places
HHC in the hallway.. vacuum floors/stairs, wipe paintwork, fling that junk mail!.. if there is a charity shop bag.. FILL IT!
Empty and wash out vacuum cleaner.. [STRIKE]don't forget filters
Extras

1. Catch up on some calls/emails
2. Binbag dance
3. Clean switches and sockets
4. Wipe the windows in these areas

So instead of writing my own list I'm nicking the flyladies one. Trouble is when it says things like wipe the surfaces/kitchen table this actually means I have to sort through about 2 feet deep of 'stuff' Anyway I've been good and cracked on a bit today.

Half a bin bag full-been ruthless. I'm such a hoarder and so is my son. I've never sold on ebay DC. though I have bought I'm planning to do a carboot this Sunday (If I've cleared the car out in time!) Anything not sold is going to the charity shop. I have to say I've been sweating like a pig all day so it's been a bit of a workout.

365days

Just checked internet banking and WFTC hasn't gone in. SHould of gone in yesterday. First thing to do on the list tomorrow. Made me go OD as well. Not a happy bunny!

Watching Who knows best on channel 4 on weight loss...interesting.

365days

Monday ~ Kitchen and Dining area

Wipe over and fridge.



Extras

1. 
   
2. Degunge deterrgent drawers, filers and doorseals!!!
3. Tuesday - Sitting Room and Hallway

Level One
Level Two
Sort out coats, shoes and bags

Level Three
Check those smoke alarms!
paintwork and HHC in the hallway.. , wipe paintwork,



Extras

1. Clean switches and sockets

Wednesday ~ Bathroom, Study and Stairs!
Level One
Level Two

Level Three
Wipe paintwork on the landings


Extras

1. HHI
2. Make a start on a craft project you've been wanting to do for ages!
3. Thursday ~ Master Bedroom & Landing
   Level 1
   Level 2
   Dust surfaces & make sure no cobwebs..
   Level 3
   Sort one area of clothes or linen storage making sure only what should be in there is, anything that's had it's day or doesn't belong there is removed
   Sort through a box or bag of stuff you've not looked at in months..
   
   Extras
   1. Wipe grotty paintwork.. touch up any bits that are looking shabby
   Friday - childrens rooms and spare room
   Level One
   Level Two
   Wash windows
   Binbag dance (doesn't have to be in one room it can be from all over the house!)
   Level Three
   tidy the cupboards /drawers of clothes
   Wipe grotty marks from the walls and paintwork
   
   Extras
   1. Clean out any pongy pets
   2. dust the light fittings/curtain poles etc
   3. HHI
   4. HHC in a room that needs lots of attention!!

mum2one

365days wrote: »

Just checked internet banking and WFTC hasn't gone in. SHould of gone in yesterday. First thing to do on the list tomorrow. Made me go OD as well. Not a happy bunny!

Watching Who knows best on channel 4 on weight loss...interesting.

Hope you got the WFTC sorted ok, if there is a reason and your overdrawn, through no fault of your own, then you can ask them to refund the money, its not your fault its theres. xx

365days

Hi Mum2one

They paid me today my normal payment minus £1 and another payment of £35. Totally random!

Guilty confession time.Bought a curry box for 2 reduced from waitrose. Thought I would freeze half. Just taken it from the box and it all in one cooking dish...bit like a flower type arrangement. Oh dear...shall have to scoff the lot.

Just seen who much you've paid back in 2010 Mum2one. Go you!