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

elfen

Not been in for a few days as it's been quiet. Just been doing my usual, 2 gigs - reviews and photos sorted and sent, 2 CD reviews this morning - sorted and sent, and a very quiet weekend hilling and watching wrestling until 4am on Sunday!
Have finished my first OU book and this week is the start of the second. I need to redraft my 2nd assignment and then send it in, so that'll be done.
Camera fund is now up to 28%, my HTC money came through o some went there and some on last-minute bits for Xmas - purple hair dye for me, a new wallet for M.

elfen

Got my camera. Went for a cheaper one that still does what I need it to

elfen

Quiet weekend this weekend. Went to my parents with Mr elfen, was nice and peaceful, just what we needed!

Have had a busy day this Monday already.....have:
Shredded
Done the washing
OU work
5 CDs reviews
Put dinner on
Had a shower.

And I've not scratched my legs today so that's a bonus. My new camera (S3000) is now ready to be used, as the new memory card for it (4GB + 2GB spare + another 2GB spare)has now turned up! All ready for Christmas except for the wrapping of presents, and my new Filofax should be here before Christmas.

Dinner's nearly ready...time for a quiet evening of games and messing about

elfen

Afternoon all!
Mr Elfen has £11 in his pot and I have about a pound....or two...but OpinionWorld is near payout so that goesin there too,so another tenner
Have also cleaned the flat and shredded, andwaited for the boiler to be serviced so it's all good!
Just having lunch before some OU work and did some reviews this morning

elfen

Ok, time for Elfen's end-of-year roundup! Very boring, but thisis for me to see how much has gone, if there are any new debts and what my New Year plan of action is!

1. A New SOA - This has been waiting to be done since I moved......so here we are, brand spanky and new!
Statement of Affairs and Personal Balance Sheet

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................................ 826.3
Other income............................ 0
Total monthly income.................... 826.3

Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 150 - livewith Mr E and this is my contribution
Management charge (leasehold property).. 0
Council tax............................. 20
Electricity............................. 0
Gas..................................... 0
Oil..................................... 0
Water rates............................. 0
Telephone (land line)................... 0
Mobile phone............................ 27
TV Licence.............................. 0
Satellite/Cable TV...................... 10
Internet Services....................... 0
Groceries etc. ......................... 250 - I'm gluten and lactose intolerant and I have an eating disorder. This is also all toiletries and packed lunches for Mr E
Clothing................................ 20
Petrol/diesel........................... 0
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 0
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
Haircuts................................ 0
Entertainment........................... 30 - Lovefilm and my magazine subscriptions
Holiday................................. 0
Emergency fund.......................... 10 - savings for when needed
Volunteering expenses................... 100 - I go to gigs 3/4/5 of times a month to review them....Mr E comes with so this is my share of the costs between us including food and train fares.
Total monthly expenses.................. 657


Assets
Cash.................................... 21 - in my savings
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 0
Other assets............................ 0
Total Assets............................ 21

No Secured nor Hire Purchase Debts

Unsecured Debts
Description....................Debt......Monthly...APR
Debt payments..................6267......80........0
Capital One....................180.......10........39.9
Total unsecured debts..........6447......90........-


Monthly Budget Summary
Total monthly income.................... 826.3
Expenses (including HP & secured debts). 657
Available for debt repayments........... 169.3
Monthly UNsecured debt repayments....... 90
Amount left after debt repayments....... 79.3

Personal Balance Sheet Summary
Total assets (things you own)........... 21
Total HP & Secured debt................. -0
Total Unsecured debt.................... -6,447
Net Assets.............................. -6,426

elfen

2. The Verdict
Looking at my SOA, it kind of weirds me out slightly. Especially the amount spent on food - 250 quid! Something needs to be done about this! (i.e. fewer takeaways and less junk). Then maybe I won't struggle so much every month. I also neglected to mention thatincludes ciggies too but that will be going in the New Year.

3. New Year's Resolutions
1. Stop eating so much junk
2. Give up ciggies
3. Exercise every day
4. Try and make birthdaysmoney neutral by only using vouchers or money from surveys.
5. Don't touch the savingsunless it is essential
6. Sell all my extracrap on eBay, MM, Amazon etc.
7. Do OU courses
8. do a three monthly round-up

I think that's enough to start with anyhoo

elfen

Forgot the amounts and payments a month. They are all weird as I tried working to get the smallest out of the way first:
Vanquis - £1139 - £22 a month
Lowell - £2264.03 - £10 a month
Red - £320.44 - £10 a month
BCW - £94 - £15 a month - will be gone in 6 months
Westcot 1 - £871.29 - £10 a month
Westcot 2 - £35.89 - £8 a month
Cabot - £1243.17 - £5 a month

When the BCW debt is gone that money will go towards the next lowest debt and so on. I will try and save enough to make extra payments if I can -although it may go on my Capital One card too

jwil

I have a number of similar goals elfen, good luck for 2012!

elfen

Another busy-ish weekend. Met Mr E's family which went better than I had expected! So that's another thing out of the way.
Did grocery shopping and it was under 30, but we went to theboot fair and round charity shop and I got some more teapots,some tea towels and some other bits - including half a yard of sweets off of Mr E! so yay for all of this!

elfen

A quiet week so far if I'm honest.
Have been getting my reviews and QnA's up to date, and starting on my next OU essay....it's due 9/1 but I'd like ot get going on it over Christmas.
Am about halfway through my scarf so I shoul have it finished soon, would be nice if I can get it done before Thursday and that's my target!