New job, new beginnings.

patman99

Busy week this week.
Veg patch weeded (and anti-weed covering laid). Lettuces sown, car brakes fixed, Court papers returned, meshed over the strawberries & 3 jobs applied for.

Just need to find 'ends' for the mesh 'tunnel' over the strawberries. One of my black currant bushes has a small cluster of fruit on, this will need protecting from the birds.
Have had a slight bout of labrynthitus this week, so am on stemestil tablets again.
Need to get some gravel for the weed-barrier and garden is completed.

patman99

Frustrating day today. Have been waiting for a phonecall all afternoon (when I could have been outside doing stuff).
On the plus side, took o/h to a hospital appt. and on the wall was a poster for the local NHS Trust's 'lose weight' program. Have now signed-up for it as I need some motivation to shift the bulk.

Also, bidding on a dehydrator on fleebay so I can keep food longer.

Found a printable voucher for Toby carvery today, so 2 of us will be having a 2 course dinner for £12.50 tonight (and drinking water to bee even more MSE).

patman99

Thought I would finally get around to doing my SoA and here it is -

Statement of Affairs and Personal Balance Sheet

Household Information
Number of adults in household........... 2
Number of children in household.........
Number of cars owned....................

Monthly Income Details
Monthly income after tax................ 1275.74
Partners monthly income after tax....... 0
Benefits................................ 140.05
Other income............................ 0
Total monthly income.................... 1415.79

Monthly Expense Details
Mortgage................................ 161.4
Secured/HP loan repayments.............. 0
Rent.................................... 0
Management charge (leasehold property).. 69
Council tax............................. 117
Electricity............................. 70
Gas..................................... 0
Oil..................................... 0
Water rates............................. 22
Telephone (land line)................... 30
Mobile phone............................ 25
TV Licence.............................. 12.5
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 216.66
Clothing................................ 5
Petrol/diesel........................... 60
Road tax................................ 32.84
Car Insurance........................... 68.66
Car maintenance (including MOT)......... 5
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 7.85
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 11.42
Life assurance ......................... 30
Other insurance......................... 16
Presents (birthday, christmas etc)...... 10
Haircuts................................ 0
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 0
App. ins................................ 12.5
Newspapers.............................. 8.66
Eng Dem................................. 2.5
Total monthly expenses.................. 993.99


Assets
Cash.................................... 30
House value (Gross)..................... 100000
Shares and bonds........................ 0
Car(s).................................. 2200
Other assets............................ 0
Total Assets............................ 102230


Secured & HP Debts
Description....................Debt......Monthly...APR
Mortgage...................... 36248....(161.4)....0.67
Total secured & HP debts...... 36248.....-.........-

Unsecured Debts
Description....................Debt......Monthly...APR
Halifax CC.....................1497......15........0
Barclaycard Mastercar..........871.......19........4.99
Barclaycard Visa...............500.......17........0
Sainsburys Loan................2561......170.7.....0
Total unsecured debts..........5429......221.7.....-


Monthly Budget Summary
Total monthly income.................... 1,415.79
Expenses (including HP & secured debts). 993.99
Available for debt repayments........... 421.8
Monthly UNsecured debt repayments....... 221.7
Amount left after debt repayments....... 200.1

Personal Balance Sheet Summary
Total assets (things you own)........... 102,230
Total HP & Secured debt................. -36,248
Total Unsecured debt.................... -5,429
Net Assets.............................. 60,553

Created using the SOA calculator at www.stoozing.com.
Reproduced on Moneysavingexpert with permission, using Firefox browser.

Skint_but_Optimistic

Hi Pat, hope you are well, have read through your diary - the employment and car melee is not good, I can sympathise!

patman99

Thanks.
Didn't get a chance to update thread yesterday as too busy fitting new hdd and PSU to PC.

Skint_but_Optimistic

Keeping busy is the way to be.

patman99

Keeping busy isn't a problem in my house. Keeping down the spending however, is.

Got a loan approved for the purchase of a (hopefully) better condition car than the one I bought back in Feb. (still waiting for a Court date). Have my eye on a nice Picasso 1.6 HDi Desire 2006 model. For once, I am actually not happy about paying out for something whereas in the past I would happily borrow as much as I could and waste most of it.

Am now sitting here listening to 'Nick Risby' on the radio. He is a good laugh, drinking a Mars milk & contemplating going to bed. Have spent most of this evening visiting mum in hospital, so that's another £3.00 forked-out in parking fees.

On the plus side, I managed to get a couple of things up on ebay so should see some cash come in this weekend. Sold a new gazebo last weekend so am £16 better-off ( or £1 better off if you factor-in the £15 I spent on a new LivingDeadSouls hoodie).

patman99

Car is now purchased (well, deposit is paid). Spent wayyy more than I wanted to, but 5 year old cars with just 26k on the clock (FSH backs this up) don't come along very often.

Ebay turned into a farce. Had a phone up for £130 and with 2 hours to go, had no bids but did have 2 emails from people wanting to purchase it 'if you end it early'. So I did. End it early that is. I then relisted it the next day for £175 BIN and it sold within 24 hours.
Just leaves the car on ebay at £250 starting.

Must get my old Samsung phone up on ebay. It might be old, but it still works.

Skint_but_Optimistic

Ive got some old phones to sell but they have cracked screens, may as well list them for the hell of it!

patman99

SBO people will buy old phones for spare parts.

New car is now sitting on the driveway (I am still unsure if I have made the right decision though).
Old car failed to sell on fleebay, [STRIKE]so will think about whether or not to relist or take to live auction.[/STRIKE] Decided to relist with amendments & lowered reserve price.

Still, sold-on a smartphone I bought from my son for a nice profit & have just sold an old Galaxy Portal that I am now waiting on payment for.

Just leaves the van to clear out and prep for sale. I want to realize at least £1500 to try to clear one CC & reduce my outgoings.

Weighed myself prior to starting my NHS weight loss program in 2 weeks. Weigh in at 95.5 Kg (14St. 11Lbs in old money) aiming for 79 Kg.