40 and Foolish!

NewLeaf_2

basically i will have some time to really put things on ebay!

Piquant_2

NewLeaf wrote: »

I hadnt thought of counselling but it couldn't hurt!

It should be offered as a matter of course. Please ask about it.

Take care!

NewLeaf_2

will do. It's all always ok in the end, because if it isn't ok, it isn't the end.

My boss sent me an email wanting to talk about my medical leave. Do I need to tell him all the gory details?

NewLeaf_2

I have done a new SOA to get cracking with my life

NewLeaf_2

Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 3
Number of children in household.........
Number of cars owned.................... 1
Monthly Income Details
Monthly income after tax................ 5100
Partners monthly income after tax....... 4012
Benefits................................ 0
Other income............................ 1400
Total monthly income.................... 10512
Monthly Expense Details
Mortgage................................ 1980
Secured/HP loan repayments.............. 164
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax............................. 1275
Electricity............................. 80
Gas..................................... 60
Oil..................................... 0
Water rates............................. 45
Telephone (land line)................... 140
Mobile phone............................ 40
TV Licence.............................. 11
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 250
Clothing................................ 100
Petrol/diesel........................... 50
Road tax................................ 0
Car Insurance........................... 65
Car maintenance (including MOT)......... 120
Car parking............................. 7
Other travel............................ 91
Childcare/nursery....................... 756
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 30
Pet insurance/vet bills................. 30
Buildings insurance..................... 63
Contents insurance...................... 24
Life assurance ......................... 0
Other insurance......................... 15
Presents (birthday, christmas etc)...... 75
Haircuts................................ 75
Entertainment........................... 75
Holiday................................. 120
Emergency fund.......................... 175
Total monthly expenses.................. 5916

Assets
Cash.................................... 5000
House value (Gross)..................... 595000
Shares and bonds........................ 45000
Car(s).................................. 18000
Other assets............................ 300000
Total Assets............................ 963000

Secured & HP Debts
Description....................Debt......Monthly...APR
Mortgage...................... 272762...(1980).....1.75
Hire Purchase (HP) debt ...... 13200....(164)......4.2
Total secured & HP debts...... 285962....-.........-
Unsecured Debts
Description....................Debt......Monthly...APR
t$sco..........................5012......100.......0
Na$W1..........................5300......180.......16.5
Na%W2..........................7800......180.......16.5
MBN!...........................2100......100.......75
blacy2.........................11000.....350.......11.2
bclay..........................8700......300.......0
Total unsecured debts..........39912.....1210......-

Monthly Budget Summary
Total monthly income.................... 10,512
Expenses (including HP & secured debts). 5,916
Available for debt repayments........... 4,596
Monthly UNsecured debt repayments....... 1,210
Amount left after debt repayments....... 3,386
Personal Balance Sheet Summary
Total assets (things you own)........... 963,000
Total HP & Secured debt................. -285,962
Total Unsecured debt.................... -39,912
Net Assets.............................. 637,126
Created using the SOA calculator at www.stoozing.com.
Reproduced on Moneysavingexpert with permission, using IE browser.

NewLeaf_2

So I just worked out the snowball and I am paying off MBNA today whoot

Rainbow_Bridge

Hugs :grouphug:


Your SOA is looking great, your assets are up £385,000 in 2 years (Have you included a pension fund?) I hope that is correct. You should be running the country.

The council tax looks high though, is that for two properties? ditto landline.

Well done on paying off MBNA.

You're a star, and you are going to be just fine xx.

NewLeaf_2

I included a pension and our second property which i forgot the first time.

Landline includes the broadband. I also accidentally put in the years worth of council tax ha ha ha I am a dork

grannyx2

NewLeaf wrote: »

will do. It's all always ok in the end, because if it isn't ok, it isn't the end.

My boss sent me an email wanting to talk about my medical leave. Do I need to tell him all the gory details?

That's the attitude honey, try to stay positive x

No, you don't need to tell your boss anything more than you are going into hospital for an operation and need x amount of time off to recover. If he needs more than that, just tell him its womens' issues, that usually has them running for the hills but I'd be surprised if he asks for details of your op x

Lots of hugs and positive Granny vibes heading your way x

*Robin*

'Evening NewLeaf, your SOA is awesome - but I thought you didn't have kids - are you supporting a 3rd world school or something?

Sorry to hear the latest medical opinion, but never say never - maybe a good idea to let yourself heal once you're rid of the troublesome implants; see how it goes. At moments of down-heartedness, consider the alternative; no future at all. Whereas you do have one, and a pretty fulfilling life it seems to me, with plenty still to look forward to.