Operation Relocation
nicnacnoo
Forumite 408 Posts
Hi all, not done a diary for a while cos I pretty much sorted myself out (thanx to lots of help from this site):T, but now im back to keep me on track with paying off my caravan loan, that’s the reason why I got rid of all my other little debts, so I could get a loan for the van:cool:.
So now im paying it off with extra bits and hoping to get my DFD down but not too bothered about that, I just want this diary as a reminder to keep paying extra off the loan.
Im hoping to move away in a couple of years, my mam doesn’t know yet so don’t tell her! So I need to start saving for relocation costs e.g. rent deposit, furniture if needed etc.
Ive posted my SOA for me really, just so if im struggling I can come back to it and see what I need to tweak in order to save more money.
Feel free to join in but im not sure there would be anything for you to add…lol
Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 1
Number of children in household......... 2
Number of cars owned....................
Monthly Income Details
Monthly income after tax................ 380
Partners monthly income after tax....... 0
Benefits................................ 758.6
Other income............................ 201.81
Total monthly income.................... 1340.41
Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 0 (full housing benefit)
Management charge (leasehold property).. 0
Council tax............................. 0 (full council tax benefit)
Electricity............................. 30 (approx, usually lower tho)
Gas..................................... 70 (approx)
Oil..................................... 0
Water rates............................. 16
Telephone (land line)................... 13
Mobile phone............................ 20 (24 month contract ending May 2012)
TV Licence.............................. 12.18
Satellite/Cable TV...................... 23
Internet Services....................... 11.99
Groceries etc. ......................... 200
Clothing................................ 20
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 0
Buildings insurance..................... 0 (in with rent)
Contents insurance...................... 0 (not got this doh!)
Life assurance ......................... 0 (not got this doh!)
Other insurance......................... 8.99 (laptop ins)
Presents (birthday, christmas etc)...... 30
Haircuts................................ 4
Entertainment........................... 50
Holiday................................. 70
Emergency fund.......................... 20
Slimming world.......................... 16.5
gym..................................... 26.95
saves for van........................... 70
Loan overpayments....................... 100
Owed to sister total £300............................... 40
Total monthly expenses.................. 852.61
Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 0
Other assets............................ 0
Total Assets............................ 0
No Secured nor Hire Purchase Debts
Unsecured Debts
Description....................Debt......Monthly...APR
Loan...........................6375.67...218.......18.3
Cahott.........................240.......5.........9.6
HFC............................76........15.22.....16.3
Total unsecured debts..........6691.67...238.22....-
Monthly Budget Summary
Total monthly income.................... 1,340.41
Expenses (including HP & secured debts). 852.61
Available for debt repayments........... 487.8
Monthly UNsecured debt repayments....... 238.22
Amount left after debt repayments....... 249.58
Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -0
Total Unsecured debt.................... -6,691.67
Net Assets.............................. -6,691.67
Not sure where the £249.58 goes, might be a good idea for me to start a spending diary???:A
So now im paying it off with extra bits and hoping to get my DFD down but not too bothered about that, I just want this diary as a reminder to keep paying extra off the loan.
Im hoping to move away in a couple of years, my mam doesn’t know yet so don’t tell her! So I need to start saving for relocation costs e.g. rent deposit, furniture if needed etc.
Ive posted my SOA for me really, just so if im struggling I can come back to it and see what I need to tweak in order to save more money.
Feel free to join in but im not sure there would be anything for you to add…lol
Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 1
Number of children in household......... 2
Number of cars owned....................
Monthly Income Details
Monthly income after tax................ 380
Partners monthly income after tax....... 0
Benefits................................ 758.6
Other income............................ 201.81
Total monthly income.................... 1340.41
Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 0 (full housing benefit)
Management charge (leasehold property).. 0
Council tax............................. 0 (full council tax benefit)
Electricity............................. 30 (approx, usually lower tho)
Gas..................................... 70 (approx)
Oil..................................... 0
Water rates............................. 16
Telephone (land line)................... 13
Mobile phone............................ 20 (24 month contract ending May 2012)
TV Licence.............................. 12.18
Satellite/Cable TV...................... 23
Internet Services....................... 11.99
Groceries etc. ......................... 200
Clothing................................ 20
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 0
Buildings insurance..................... 0 (in with rent)
Contents insurance...................... 0 (not got this doh!)
Life assurance ......................... 0 (not got this doh!)
Other insurance......................... 8.99 (laptop ins)
Presents (birthday, christmas etc)...... 30
Haircuts................................ 4
Entertainment........................... 50
Holiday................................. 70
Emergency fund.......................... 20
Slimming world.......................... 16.5
gym..................................... 26.95
saves for van........................... 70
Loan overpayments....................... 100
Owed to sister total £300............................... 40
Total monthly expenses.................. 852.61
Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 0
Other assets............................ 0
Total Assets............................ 0
No Secured nor Hire Purchase Debts
Unsecured Debts
Description....................Debt......Monthly...APR
Loan...........................6375.67...218.......18.3
Cahott.........................240.......5.........9.6
HFC............................76........15.22.....16.3
Total unsecured debts..........6691.67...238.22....-
Monthly Budget Summary
Total monthly income.................... 1,340.41
Expenses (including HP & secured debts). 852.61
Available for debt repayments........... 487.8
Monthly UNsecured debt repayments....... 238.22
Amount left after debt repayments....... 249.58
Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -0
Total Unsecured debt.................... -6,691.67
Net Assets.............................. -6,691.67
Not sure where the £249.58 goes, might be a good idea for me to start a spending diary???:A
0
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Could you have a car boot sale/ebay to arget your two small debts?
**Credit card debt free 30/06/10~**
MFW. Finally mortgage free February 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb.
It starts with you, it starts from now. *** It is ok to be me.***
***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
Looking forward to reading more.
I moved away to work at Butlins 2 days after my 18th birithday and ended up staying away for 5 years, came back home, had kids and ended up just staying in my home town, but im missing living next to the motorway (its a 45minute drive from here) and i miss my dad, i would be an hour and a half from my mam and dad in both directions and would be able to see my dad more:T
This time moving would be more difficult because of the kids and the fact that i would have to run it past their dads (who im not with by the way) plus being a single parent could i hack it just having the kids on my own all the time??? im the kind of person to go out and find friends anyway so im not too bothered about that.
The caravan is about 10 minutes from where i live now, its a static so when i did come home for a visit i could stay there
Beanielou, i deffo need a spending diary, although i cant start today cos im off out on an all day sesh and by 10 i wont be able to see straight ha ha:rotfl::rotfl: