I keep losing my..............

elfen

Made a £5 payment to both c/c's....now 1/5th through the 1 in 100 challenge

elfen

*sigh* Life could get easier...

Had a call from Cabot about a VERY old account.....upshot is over a grand added to my debt total, another £5 payment and it's !!!!ing me off now... 3 more payments on two debts which isn't too bad...so I can spread that £20 around a bit and clear off others...well, I hope I can anyhow

elfen

Watched another series of Doctor Who and worked out my debts properly. I owe 5k, but two will be cleared in July and August respectively, so their payments will go to the next two on the list, and so on and so forth

Lost another lb so that's all good too

elfen

New SOA for me now the money side is sorted out. Apparently I have over 200 a month soar but I don't see this.....spending diary time methinks...

Household Information
Number of adults in household........... 1
Number of children in household.........
Number of cars owned....................

Monthly Income Details
Monthly income after tax................ 0
Partners monthly income after tax....... 0
Benefits................................ 715
Other income............................ 0
Total monthly income.................... 715

Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 150 - live at home
Management charge (leasehold property).. 0
Council tax............................. 0
Electricity............................. 0
Gas..................................... 0
Oil..................................... 0
Water rates............................. 0
Telephone (land line)................... 0
Mobile phone............................ 45 - iphone contract, needed for when out
TV Licence.............................. 0
Satellite/Cable TV...................... 10.25 - Sky Multiroom
Internet Services....................... 10 -pay for the extra internet
Groceries etc. ......................... 50 - extras and gluten free stuff
Clothing................................ 20
Petrol/diesel........................... 0
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 40 - appointments, etc
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 0
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 20 - big family
Haircuts................................ 0
Entertainment........................... 15 - Lovefilm and mag subscription
Holiday................................. 0
Emergency fund.......................... 20
Total monthly expenses.................. 380.25


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
vanquis........................928.......42........0
capital one....................145.......6.........39.9
debts..........................5000......54........0
Total unsecured debts..........6073......102.......-


Monthly Budget Summary
Total monthly income.................... 715
Expenses (including HP & secured debts). 380.25
Available for debt repayments........... 334.75
Monthly UNsecured debt repayments....... 102
Amount left after debt repayments....... 232.75

Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -0
Total Unsecured debt.................... -6,073
Net Assets.............................. -6,073

Will try and put aside 50 per month to pay off on the two credit cards, firstly paying off the Capital One as its the smallest balance. I have 7 debts in the 5k, two of which are done this summer, and their money will be put to the next two smallest. I'll also sort my spending diary and wait until they are done and then arrange higher payments on the other debts. I'm 1/5th through the 1 debt in 100 so when that is paid that payment goes to the Vanquis and to the other debts....confuse myself sometimes.

Things I have achieved:
Lost 4lb
Moved home
New SOA

Things for next month:
C25k weeks 1-4
2 dances a day
20 mins Fitness Coach
16 NSDS
As much walking as possible
As little crap as possible - has already dropped by at least half!
Read 4 books
Watch 4 DVDS

beanielou

Looking good Ames.
Good idea on spending diary.
Weight loss good
Did I read somewhere that you have deferred uni?

elfen

Went to the GP. Instead of losing 4lb, I've actually lost TWELVE pounds..nearly a stone!

elfen

Need to add 2 NSDS - taking me up to 15
And 13.8km to the walk bank.
Need to get off my arris and start exercising, will begin on the Wii tonight with dancing and personal coach game

elfen

!!!! you world, had just about a !!!!ing nuff

Sick of people trying to treat the effect and not the cause, or people sticking ears/noses in....

elfen

Good news!

Got an email from OU and I get full funding for my course! Just waiting for the registration pack so I can fill it in and send it off, then I'll be doing me a course in Oct towards my degree! woohoo!

ETA: And cos I'm a saddo I've bought the books

elfen

Another 5k for the bank - got part of my deposit back, just waiting on the rest

Went for a wander with mum and had a natter, but weather is terrible here today