twinparents07's joint diary 'doing it together'!!

twinmum07

Back from the school run. The little man is asleep in his pram so that means no exercise time for mummy today but I can blast bits of the house whilst he is asleep. I am currently in the craft/business room trying to get the room safe and usable so I can actually be in there with the kids and get some money earned!
Hopefully I can get some of the business stock on my business ebay account and get things moving more and some of my 'stuff' can go to my personal ebay and free up more cash

Pinky15

Hi twinmum & dad - things sound like they are going well.
Twin mum - def try the car boot sales - got a lovely topshop jumper whilch I wore all winter I bought for £1.50. I love smock tops and have picked up some really good makes for only a £1 or so.
I managed to get 2 items on ebay today but will have to crack on next week. x

twinmum07

I think it might be time to crack open the wine and redo our SOA.

Wish me luck!

twinmum07

Phew - turned out to be quite reassuring as we now have a rather nice surplus

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.................... 2
Monthly Income Details
Monthly income after tax................ 1078.76
Partners monthly income after tax....... 2771.61
Benefits................................ 200
Other income............................ 200
Total monthly income.................... 4250.37
Monthly Expense Details
Mortgage................................ 1234
Secured/HP loan repayments.............. 375
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax............................. 149
Electricity............................. 109
Gas..................................... 54
Oil..................................... 0
Water rates............................. 27
Telephone (land line)................... 42
Mobile phone............................ 50
TV Licence.............................. 13
Satellite/Cable TV...................... 24
Internet Services....................... 15
Groceries etc. ......................... 250
Clothing................................ 15
Petrol/diesel........................... 300
Road tax................................ 30
Car Insurance........................... 98
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 30
Medical (prescriptions, dentist etc).... 7
Pet insurance/vet bills................. 0
Buildings insurance..................... 35
Contents insurance...................... 0
Life assurance ......................... 21
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 0
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 2878

Assets
Cash.................................... 0
House value (Gross)..................... 175000
Shares and bonds........................ 0
Car(s).................................. 14000
Other assets............................ 0
Total Assets............................ 189000

Secured & HP Debts
Description....................Debt......Monthly...APR
Mortgage...................... 232000...(1234).....4.99
Hire Purchase (HP) debt ...... 4880.....(375)......0
Total secured & HP debts...... 236880....-.........-
Unsecured Debts
Description....................Debt......Monthly...APR
Barclays.......................3683.82...60........3
Joint Overdraft................700.......8.........17
J Overdraft....................1500......18........17
J Tesco........................3236......65........18.3
B Halifax......................3500......45........12.9
J Old Overdraft................1589......25........16
B Virgin.......................4715......110.......26.9
J HSBC.........................6490......165.......25.9
B Overdraft....................1780......50........19
B HSBC.........................4250......68........17.9
Total unsecured debts..........31443.82..614.......-

Monthly Budget Summary
Total monthly income.................... 4,250.37
Expenses (including HP & secured debts). 2,878
Available for debt repayments........... 1,372.37
Monthly UNsecured debt repayments....... 614
Amount left after debt repayments....... 758.37
Personal Balance Sheet Summary
Total assets (things you own)........... 189,000
Total HP & Secured debt................. -236,880
Total Unsecured debt.................... -31,443.82
Net Assets.............................. -79,323.82
Created using the SOA calculator at www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission, using IE browser.

chevalier

it must be really nice to have a surplus rather than a deficit each month go you two. nice one
chev

twinmum07

Thank you.
I am just so grateful to the wonderful people on here who got us to the position we are in so we can actually work on our debt rather than struggle to meet the minimums.

Lindy_-_Loo

Hello, have just subscribed to your diary - we found monthly online shopping about 6 months ago and it has definatly saved money - I no longer go and spend, spend, spend!

Your doing great with your debts, Im doing lots of surveys to try and get vouchers which we can use instead of OH wages

t4mof

Wow, look how far you've come since your first SOA. :T

I've found it's so much better to face up to the debt, have a plan and do your damndest to stick to it as you're much more in control.

Tink_04

Hi twinmum & dad!!!

Just read your diary and its amazing i dont know how you find the energy with 3 kids and working but you are doing so well i really wish you so much luck!! you seem like you have a great support system and can push each other on i really wish i had that, keep going and ill keep reading!!!

Tink

twindad07

Its been a while since I've posted.

My refereeing had been going well and the £20 a week was a bonus, it was either petrol money or a takeaway as a treat, but after my game yesterday I've decided it just isn't worth the hassle. I sent someone off for swearing directly at me and took quite a bit of abuse from one team, more than normal, but this didn't make me consider packing it in, it was my journey home that did that. One of the players followed me for 4 miles - the majority of the journey home. Drving really close, edging as close as possible at junctions and then pulling alongside me and giving me an angry mouthful of abuse - for £20 its certainly not worth it. I've obviously reported it to the league and the FA and have considered informing the police.

Looks like we'll have to live without the odd takeaway treat!!