I think I'm slowly getting back on top of things (again)...

jet77

Forgot to mention that I intend to put 3 things a week on ebay too - every Sunday night x

jet77

To-do This Weekend
- [strike]Get copy of credit report[/strike]done :T
- [strike]Ask BG if they have underwriters[/strike]/Change Gas & Electric supplier - they're closed til Mon!
- [strike]Change Bank a/c (as they've started charging interest!!) [/strike][strike]doing sunday[/strike]done :T
- [STRIKE]List 5 things on e-bay (to make up for not listing last weekend)[/STRIKE]doing [strike]sunday[/strike]Friday
- [strike]Clear out cupboard and find stuff to sell on intranet[/strike][strike] in progress[/strike] done :T

jet77

I'm quite please with how I've got on this weekend:j

I've gone through my list at a steady pace (not just the one on the post above), I've meal planned, sorted out paperwork, been shopping, sorted out loads of stuff and have a good pile waiting to be ebayed now ... although that won't be happening tonight as planned cos am too tired - next chance to do it will prob be next friday night now :rolleyes:

and best of all I've spent quality time with DD's :T:A:cool:

I have applied for a bank a/c and have to wait for an e-mail saying whether I'm succesful and am holding my breath cos I got turned down for the prepayment metre. I got a copy of my credit report and there's only 1 bad thing on there back in 2003!!!

I'm going to ring BG and ask whether I can have my application for a credit metre put through to the underwriters (do BG have underwriters?) and then ask whether I can get them a copy of my credit file so that they can see for themselves before I cap my metre prices tomorrow.

Whilst sorting out paperwork one of the letters was from a loan that I owe just over £400 to saying that I needed to cancel my standing order to them I rang to ask why and how did they want me to make future payments and they said that I'd paid my debt off and overpaid by £10 which they will forward by cheque within the next month :j:j:j:j:j:j:j I'm still going to count it as outstanding until I get it in writing with my £10 cheque and am totally baffled as I know that I haven't paid the debt off but am not going to argue with them

jet77

I've been accepted for my new bank account :j :T

I didn't ask for an overdraft ... just thought I'd get the account up and running first and then see if I can get them to approve an overdraft so that I can move over my existing one (which is getting charged interest) :money:

I'm waiting for a call back from BG as the lady I spoke to isn't sure whether they have underwriters.

jet77

Hi,

I've just done an up to date SOA .. It is silly o'clock in the morning so will double check everything's right when I'm fully awake

Statement of Affairs and Personal Balance Sheet

Monthly Income Details
Monthly income after tax inc TC's ...... 2070
Total monthly income.................... 2070

Monthly Expense Details
Mortgage................................ 657
Secured loan repayments................. 0
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax............................. 90
Electricity............................. 60
Gas..................................... 60
Oil..................................... 0
Water rates............................. 90
Telephone (land line)................... 40
Mobile phone............................ 30
TV Licence.............................. 12
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 216
Clothing................................ 30
Petrol/diesel........................... 109
Road tax................................ 9.6
Car Insurance........................... 35.34
Car maintenance (including MOT)......... 10
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 520
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 0
Buildings/contents insurance............ 28.61
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 55
Haircuts................................ 0
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 2052.55

Assets
Cash.................................... 0
House value (Gross)..................... 120000
Shares and bonds........................ 0
Car(s).................................. 500
Other assets............................ 0
Total Assets............................ 120500

Secured Debts
Description....................Debt......Monthly...APR
Mortgage...................... 113500...(657)......0
Total secured debts........... 113500....-.........-

Unsecured Debts
Description....................Debt......Monthly...APR
Overdraft......................2414.7....0.........19.5
Loan...........................414.12....10........0
Total unsecured debts..........2828.82...10........-

Monthly Budget Summary
Total monthly income.................... 2,070
Expenses (including secured debts)....... 2,052.55
Available for debt repayments........... 17.45
Monthly UNsecured debt repayments....... 10
Surplus(deficit if negative)............ 7.45

Personal Balance Sheet Summary
Total assets (things you own)........... 120,500
Total Secured debt...................... -113,500
Total Unsecured debt.................... -2,828.82
Net Assets.............................. 4,171.18

Created using the SOA calculator at www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission.

It's just me and 2 children (no pets but would like to get a dog in near future :rolleyes:). I've got 1 car that very kindly passed it's MOT first time at begining of July :T

Hope it all makes sense to me in the morning night x

jet77

Anyone got any feedback on my SOA or should I post it on a seperate thread?

jet77

Thanks to the feedback on my SOA thread (http://forums.moneysavingexpert.com/showthread.html?t=1206671) I've contact Busy Bees and been told that I'd be worse off using their vouchers as I would lose part of my tax credits.

I've also just joined the grocery challenge with the aim to get my monthly shopping down to £150 :T:money::cool:

I've been trying to drive really carefully over the last couple of days as well as my right foot does seem to get quite heavy and I could swear (may just be in my head ) that I'm noticing the difference in my petrol tank already :j

Am also hoping that HBOS pass on the 0.5% BoE drop to their customers so I save £35 on my monthly mortgage payments :cool:

jet77

New MSE To Do List w/c Sat 11th Oct

- [STRIKE]Ebay [/STRIKE]
- [strike]find out if there's a grant for central heating as upstairs no working[/strike] Need to apply when have cut hours
- [strike]find out where my tesco and boots points have gone[/strike]

jet77

I'm feeling quite pleased with myself cos have made Xmas list and gone through box that I'd been chucking bits and bobs in through the year and it turns out that I've done most of my Xmas shopping without 'doing' it

I'm going to meal plan in a min and do this weeks shopping list (I WILL stick to the GC!!).

Debts to Date
O/D = £2,134.73
MINUS Quidco = £45
TOTAL = £2089.73

I'm expecting this to go up before the end of the month cos I postdated a couple of cheques that I haven't included.

This Weeks To-Do List
- [strike]Start changing over to new bank account[/strike]
- [strike]Make rest of Xmas present list[/strike]
- [strike]Ring Avon[/strike]
- [STRIKE]Pay sd money in to account[/STRIKE]

jet77

I posted a long post in the week when I worked everything out but it disappeared

I have finished my Xmas shopping!!!!!!! We still have a few presents to make for school teachers, childminder etc... but it's such a great feeling and the first time in about 5 years that I have been this organised.

Debts to date are:
O/D = -£2377.95
Credit a/c = +£313.07
Quidco = +£45
Total = £2019.88

This weeks goals (rolled over from previous weeks):
[strike]- change gas and electric!!![/strike]Temporarily changed to get rid of prepayment metres
[strike]
- Ebay
[/strike]:T :j :T :j :T :j :T :j :cool: :cool: :cool: :cool: :cool: :cool: :cool: