My SOA. Shocking (and long sorry!)

kerryhoney

david_hellier wrote:

Not looking too bad. According to my calculations you have £145.44 per week to spend on anything you like INCLUDING food. So every Monday write this amount in a book and deduuct what you spend on all those luxuries including food. Make sure you've got some left on Sunday and carry it forward to the next week. Don't be tempted to get all the cash out on Monday; you'll only spend it. If you do this your od will also go down by £20 pw.

Be good now!

Calcs:



income weekly monthly
self 320.25
partner







total 320.25 0.00
0.00 divided by 4.33

320.25 total weekly income

spend weekly monthly
rent/mortgage 335.00
council tax 66.00
elec 15.00
gas 15.00
water 25.00
secured loans
TV licence
fines
mobile 20.00
bt 11.00
talk talk 5.00
internet 17.00
car ins 32.00
house ins 17.00
car tax 12.50
petrol 80.00
loan 87.00
od reduction 20.00

That doesn't include the £180 that I have to give to my parents....(and I don't pay the TV licence cause that's what I get as my birthday present every year instead!)....
I get the total as £1,000 exactly, not including money for overdraft, food, hair, going out or petrol. So that'd be £334 every month for that stuff.... I just can't imagine living on that for what is going to be the next few years. I so need to find a rich man! It's the only solution!

kerryhoney

wizard3891 wrote:

just a few bits above which stand out the most.

Thanks...as for the food and hair thing I'll obviously have to address it. I can't change the petrol as I work shifts and the buses don't run when I finish work.

missk_ensington

£334 - £80 petrol = £254

£120 food (more than enough for one person!)
£35 hair
£99 going out/OD

kerryhoney

missk_ensington wrote:

I had a ginger experience last week with a Mobile Hairdresser, however Ive since asked my regular hairdresser what she uses with is a 6/0 with 6% etc etc, if you have that info they can't go too wrong.

Alterntatively, do what I did and ask your salon hairdressers on the QT for her phone number if she wants to do it at home for cash. I'm sure she'd appreciate the extra money, especially if she's quite young.

As for food- I think Morrisons are good if you're living alone as they do single pieces of fish and meat, a piece of small salmon can sometimes be as cheap as 88p! They also have pre-packed veg in different price sizes which I like, I hate it when all the grapes come ni same sized punnets all costing £1.49!

Thanks Miss Kensington! I especially like the hairdresser idea....I'd feel like a right cheeky monkey though! (and one person colours my hair and another highlights it....I'll just pick one!). I shall try morrisons too. I think half my problem re food shopping is that I'm not organised enough. I do crazy shifts and six day weeks with two days off etc so can never really get into a routine. Morrisons it is though.
Thank you

david_hellier

Knock £45 off the weekly amount.

lynzpower

Id say, given that you owe over 35k, getting your hair highlighted isnt really a priority.

Have you worked out using the snowball calculator when your debt free date is ?

missk_ensington

lynzpower wrote:

Id say, given that you owe over 35k, getting your hair highlighted isnt really a priority.

There are some things, which regardless of how bad things get you can't scrimp on- your hair and Lurpack!

kerryhoney

lynzpower wrote:

Id say, given that you owe over 35k, getting your hair highlighted isnt really a priority.

Have you worked out using the snowball calculator when your debt free date is ?

I do totally agree that getting my hair done isn't a priority. I am also of the knowledge that if I'm miserable (and as stupid, selfish and materialistic as it may seem to some/most people), if I feel like a mess then I know I will spend money. I know that it is a vicious circle and am going to try and do as Ms Kensington recommended and either get a mobile hairdresser or get mine to do it on the sly. I do appreciate your blunt honesty though.

I haven't seen the snowball calculator yet.... I'll try and find it, ta.

kerryhoney

missk_ensington wrote:

There are some things, which regardless of how bad things get you can't scrimp on- your hair and Lurpack!

:rotfl:

I TOTALLY agree!!!!! Mmmmmmmmm. On crumpets (even the asda smart price ones )

lynzpower

kerryhoney wrote:

I do totally agree that getting my hair done isn't a priority. I am also of the knowledge that if I'm miserable (and as stupid, selfish and materialistic as it may seem to some/most people), if I feel like a mess then I know I will spend money. I know that it is a vicious circle and am going to try and do as Ms Kensington recommended and either get a mobile hairdresser or get mine to do it on the sly. I do appreciate your blunt honesty though.

I haven't seen the snowball calculator yet.... I'll try and find it, ta.

Sorry did re-read that and i do think i was a bit on the blunt side just woken up