Where does all my money go???

InaPickle

Blimey, termoil, you're on a mission - well done! :T

Once you've finished your house, any chance you want to start on mine?! :rotfl:

life_in_termoil

Back from work and tired but got soooo much to do to keep me on track.

Hung washing on the line and another load in the washer, im determined the dryer is NOT going to be used today so im hoping for a dry evening (its blustery but thats a good thing and its warm)

Just having a coffee then im gonna crack on and start the bedrooms.

Im determined that the whole house will be done by Thursday then I will have just under 2 weeks of chilling out time whilst the kids arent here. :T

Lodger will be back tomorrow probably (shes never here at weekends) so im still pottering round an empty house, does still feel weird though, no boom boom music coming from the kids rooms :rotfl:

Hope everyones having a great weekend

InaPickle

Go you, termoil - well done!

life_in_termoil

Busy busy busy

Back to the day job today followed by working at the pub tonight, which is good really as resulted in a no spend day YAY!

Phoned the place where I had the interview and someone was going to phone me back........still waiting!!! Grrrrrrrrrr

Only got 2 bedrooms left to do which is great and shouldnt take me long, good job really as im only off tomorrow evening then working the rest of the week!!!

Had statement from Studio and when I paid it off 2 weeks ago I forgot to cancel the Standing Order so im now £14.25 in credit.....wonder if I can claim this back?

Apart from that things uneventful at work, just same !!!!!! different day, I need a new job as im getting bored and agitated and feel like my brain is dying and Im hating the drive more and more. Ah well will just have to keep finding and applying for jobs closer to home.

Hope everyone has had a great evening im off to bed im soooo tired

Night night

life_in_termoil

what can I say.........got !!!!!! all done today........must try harder tomorrow!!!!!
Had a no spend day though so thats a bonus!!!!!

chevalier

Hi there
Well done on taking your outgoings by the scruff of the neck and controlling them. It must make a huge difference to you. Sorry to hear that the job probably isn't yours, hope you get something else soon.

I had a skim read of your 101 things in 1001 days list and I have to say I did laugh at the get divorced bit. I take it your OH no longer lives with you?
chev

InaPickle

chevalier wrote: »

I had a skim read of your 101 things in 1001 days list and I have to say I did laugh at the get divorced bit. I take it your OH no longer lives with you?
chev

I laughed at that as well, but didn't want to ask.

Good luck, termoil..hope you have a productive day today instead!

life_in_termoil

chevalier wrote: »

I had a skim read of your 101 things in 1001 days list and I have to say I did laugh at the get divorced bit. I take it your OH no longer lives with you?
chev

Lol I know it does sound strange but it is something that really needs doing. I left my husband with the help of womans aid and moved over 300 miles away, im scared of starting divorce proceedings because as soon as a solicitor contacts him then he will know roughly where abouts in the country me and the kids are.

I didnt get the job but im not overly worried. I will keep applying for jobs closer to home as and when they pop up, I should be thankful that im employed already but its just the 60 mile round trip every day that pees me off then another 20 mile round trip if im working in the pub.

Only working half a day today and not working the pub tonight as all these extra hours are getting to be too much for me, getting too old to be working 60+ hours a week i cant hack it lol, although it is nice to have the money but I dont think being knackered all the time is a good thing.

Anyway off to declutter a coffee then take the curry out the freezer for tomorrow nights tea, easy tea tonight egg chips n mushy peas mmmmmmm my favourite.

Hope everyones having a good day (so far)

InaPickle

Crikey. Sounds like you have been having a time of it!

Hope all goes well today.

life_in_termoil

Sorry not posted but ive been in a state of shock!! If it doesnt rain it pours hey!!!. Got a redundancy notice yesterday and I finish on Friday.....no payout no nothing as ive not been there long enough!! Also lodger is going at the end of the month so theres another £400 a month down.

Was in tears most of yesterday but now ive been number crunching and been on websites to check what entitlements I could get I feel much better and am now left wondering why the hell ive been slogging my guts out working all the hours god sends?

Ive still got my pub job at 19 hours a week so will be able to get tax credits, housing benefit and council tax benefit.

Heres my new SOA which I have done based on the results of entitledto.com

Please feel free to tell me where I can save money.

Household Information[/b]
Number of adults in household........... 1
Number of children in household......... 3
Number of cars owned.................... 1

Monthly Income Details
Monthly income after tax................ 402.13
Partners monthly income after tax....... 0
Benefits................................ 1640
Other income............................ 359
Total monthly income.................... 2401.13

Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 650
Management charge (leasehold property).. 0
Council tax............................. 15
Electricity............................. 100
Gas..................................... 46
Oil..................................... 0
Water rates............................. 18
Telephone (land line)................... 18
Mobile phone............................ 90
TV Licence.............................. 11.87
Satellite/Cable TV...................... 32
Internet Services....................... 25
Groceries etc. ......................... 600
Clothing................................ 30
Petrol/diesel........................... 80
Road tax................................ 18
Car Insurance........................... 25
Car maintenance (including MOT)......... 50
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 10
Pet insurance/vet bills................. 12.66
Buildings insurance..................... 0
Contents insurance...................... 9.58
Life assurance ......................... 10.66
Other insurance......................... 0
Presents (birthday, christmas etc)...... 75
Haircuts................................ 20
Entertainment........................... 20
Holiday................................. 50
Emergency fund.......................... 20
Total monthly expenses.................. 2036.77


Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 3500
Other assets............................ 0
Total Assets............................ 3500

No Secured nor Hire Purchase Debts

Unsecured Debts
Description....................Debt......Monthly...APR
westcott.......................537.42....9.........0
moorcroft......................1209.26...20.5......0
capital one....................107.......10........34.43
DWP............................1990......30........0
Total unsecured debts..........3843.68...69.5......-


Monthly Budget Summary
Total monthly income.................... 2,401.13
Expenses (including HP & secured debts). 2,036.77
Available for debt repayments........... 364.36
Monthly UNsecured debt repayments....... 69.5
Amount left after debt repayments....... 294.86

Personal Balance Sheet Summary
Total assets (things you own)........... 3,500
Total HP & Secured debt................. -0
Total Unsecured debt.................... -3,843.68
Net Assets.............................. -343.68

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

On the plus side ive applied for 2 jobs close to home, I will save on diesel and MY WHOLE HOUSE IS IMMACULATE!!!!!!!!!