going it alone and tackling the debt.

fizzypops

topped up £15 on the gas today, was planning on going swimming but ds2 still has a cold so i think i will leave it for a couple of days, need to pop into town for some food shopping at some point i have an iceland delivery card but not sure if they will be delivering in the snow. might be worth asking before i start my shopping as they have not got a car park nearby so dont fancy dragging bags of shopping and 2 kids back to the car in this weather!! :cool:
not got much planned for the rest of the day, might pop into the local 99p store and pick up some more xmas art bits for the boys to do this afternoon.
i just want this snow to go away now as my road is a quiet road so the it is still really icy :mad:

fizzypops

still havent been shopping as my mum is going to take me this evening in her 4x4 as we have had more thick snow constantly all day
step dad will look after kiddies so at least i dont have to drag them out now.
been in all day so we had a dvd day which has been nice but i feel if i have to watch the spongebob movie one more time i may very well cry!!
got to dig deep in my freezer to find something for boys dinner before my mum and stepdad turn up.
at least i havent spent any money (so far) today. :T

fizzypops

managed to get shopping last night but came to £55 which i havent got!! :cool:
got up early today and washed all our bedding and now onto wash number 3!! i cant seem to get the proper cleaning done in the day whilst kids are here but i suposse as long as it looks sort of presentable who cares!!!

my mum gave me £10 to treat the boys with so going to pop to the local ball pit this afternoon for a couple of hours, should tire them out (hopefully!!)
going to put £20 petrol in the car today, i know ive definatly gone into my overdraft this week but not too worried as i wont have to spend much after petrol this week and as of friday we wont be here all weekend either so wont use as much gas elec etc.

pennywisepoundstupid

Fizzy i'm trying to sort my house out ready for christmas and all the people that will be dropping in, but its just a nightmare with the kids/dogs/hubby, seem to get nowhere fast, everything seems to have been dumped in my bedroom that hasn't got a home, will have to keep that door firmly shut.

fizzypops

pennywisepoundstupid wrote: »

Fizzy i'm trying to sort my house out ready for christmas and all the people that will be dropping in, but its just a nightmare with the kids/dogs/hubby, seem to get nowhere fast, everything seems to have been dumped in my bedroom that hasn't got a home, will have to keep that door firmly shut.

i know what you mean its a bloody nightmare here too!! :cool:

took the boys to the ball pit earlier and they had fun hopefully they will go to sleep at a respectable hour tonight so i can wrap pressies.
put £20 in car but not planning on going far for the next couple of days so hopefully that will last.

got to make beds now and have a quick tidy up after dinner, hoover then when kiddies are in bed im going to sit down with a glass of wine and wrap liked ive never wrapped before!!

pennywisepoundstupid

Hope you managed to get all the presents wrapped, i need to buy more wrapping paper today, can't believe how much i have used this year, all that money wasted on paper that will be ripped off and binned, such a waste really.

fizzypops

pennywisepoundstupid wrote: »

Hope you managed to get all the presents wrapped, i need to buy more wrapping paper today, can't believe how much i have used this year, all that money wasted on paper that will be ripped off and binned, such a waste really.

i have run out too :mad:
im going to have to pop to the local newsagents today to buy some more, i managed to wrap loads last night but still have a fair few to go!! :eek:

fizzypops

managed to get more wrapping done today, still seems like ive got loads to do though!! :mad:

probably start again tomorrow as the boys are going out with their dad for a couple of hours in the evening so i will get some more done then and then wait for them to go to sleep and hopefully finish it all off as i just want to relax on xmas eve and have a nice evening with the kids.

nsd for me today just delivered the last of my cards so not been up to much.

really tired now so going to have a shower and go to bed.

mummytogirls

Hi Fizzypops, thanks for popping in on my diary! Will catch up with yours later, hope you dont need to spend too long wrapping!!
x

life_in_termoil

fizzypops wrote: »

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.................... 1
Monthly Income Details
Monthly income after tax................ 0
Partners monthly income after tax....... 0
Benefits................................ 778.44
Other income............................ 0
Total monthly income.................... 778.44
Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 0 recieving housing benefit
Management charge (leasehold property).. 0
Council tax............................. 0 council tax benefit
Electricity............................. 40
Gas..................................... 60
Oil..................................... 0
Water rates............................. 29.98 - see if you can get this capped, I only pay 18 a month and im on a meter
Telephone (land line)................... 10.99
Mobile phone............................ 10
TV Licence.............................. 12.54
Satellite/Cable TV...................... 25.5
Internet Services....................... 9.99 Would a combined tv/phone/internet package not be cheaper?
Groceries etc. ......................... 200 need to cut this down - check out Weezl74 threads for loads of inspiration
Clothing................................ 0
Petrol/diesel........................... 80 need to save on this too
Road tax................................ 0
Car Insurance........................... 40.99 due for renewal july 2011 check comparison sites and dont forget to go through a cash back site
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 35.79 swimming and school clubs
Medical (prescriptions, dentist etc).... 26 -do you need this? You should have an NHS excemption card
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 24.15 - this seems high, check out comparison sites
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 0
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 605.93

Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 3000
Other assets............................ 0
Total Assets............................ 3000

No Secured nor Hire Purchase Debts
Unsecured Debts
Description....................Debt......Monthly...APR
hsbc cc........................298.74....7.64......21.9
santander cc...................984.33....41.09.....18.12

Your doing really well keep up the great work. Ive put some suggestions in red and subscribed.

Have a great Christmas and I hope 2011 brings you everything you deserve x