determined to be debtfree!

debtfreewannabe321

Targets & Jobs to do In October:

*Get toys back to toy library
*sell junk on ebay
*Avoid BUYING on ebay (seems a little counter productive when i spend all my earnings on there again!)
*put toys in garage from garden once the 'indian summer' has vanished
*mow lawn one more time
*lose some weight!
*return hoover to army (broken & been in garage for months!)
*get DH to show ME how to put music on hard drive so i can do that and get rid of c.ds!
*Sort out savings accounts and make a list of account numbers with ref to what savings are in them
*send off magazine subscription tokens i got from te$co using points (xmas pressies so need to send off soon)
*find out when DS can come home next/when i can next visit him- think it's either this sunday coming or next...
*Wrap some presents up for christmas (already started on this yesterday....yes i am slightly mad )
*transfer wrapped christmas pressies from ds1 room to a suitable hiding place
*keep spend diary
*call tax credits get payment to be made in one sum at beginning of month instead of weekly.
*do same with child benefit
*Sort out my wardrobe

I'm sure I have lots of other jobs to do as well but this will keep me going for now.

This month I am reducing the food budget by £10 (small steps and all that...) so will be £240. I have already spent £91 of this which I am hoping will last a couple of weeks...but will have to see....DH has got a taste for take aways again this last week so I've had to be the mean one saying no every time! He still had 3 !!!! we had friends over last night and they all ordered from the kebab shop and i was the only one who had a yoghurt & grapes instead! Pffft!

Bills are all due out tomorrow so need to reassess budget situation then. I brought back 2 toys i had got from Te$co so that will be £35 credited at some point back into my account! One of my surveys is nearly due for a pay out. And i put my name down to be called for an interview for a £10 reward voucher for amazon! so hoping they call now lol
Quidco still due to my bank not sure where that has gone!?

I would like to transfer those monies to savings though but the state of the bank at the moment is really not looking healthy. !!! Need tenants in my house asap! Oh that's another job too....call management agency see if they have anyone else interested. And my dad to see if he has keys to get house in shipshape ready to let again!

debtfreewannabe321

Oh and am aiming for 13 NSD's this month

debtfreewannabe321

me again

have 23 items listed on ebay. Any money it makes will be going into the emergency fund to top it back up

hillside777

Well done for listing the items on ebay. It is so time consuming. I always list on free listing week-ends. Although it is mainly re-listing with adding a few extra items. I do anything to save on fees, where possible. Otherwise we found that for the items we sold, the earnings were cancelled out by the listing fees on the items which did not sell.

You have a long list of jobs to do in October. I think mine is probably double the length of yours.
There is always something to do. I should be doing jobs now but enjoy reading your posts which keep me motivated.

I am aiming for 16 NSD's this month. Let's see who gets the most. :rotfl:

debtfreewannabe321

My revised SOA:
Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 2
Number of children in household......... 3
Number of cars owned.................... 1
Monthly Income Details
Monthly income after tax................ 1370
Partners monthly income after tax....... 460 (tenancy money when it's there)
Benefits................................ 314.16 (tax credits)
Other income............................ 188.4 (child benefit)
Total monthly income.................... 2332.56
Monthly Expense Details
Mortgage................................ 217.1
Secured/HP loan repayments.............. 0
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax............................. 0
Electricity............................. 77 (this should go down next month, as we are on a new tariff we have to pay more for the first month?)
Gas..................................... 40
Oil..................................... 0
Water rates............................. 0
Telephone (land line)................... 25 (guesstimate as have again changed tariff to lower one so will revise this when i know)
Mobile phone............................ 45 (£40 this month as i only had a £10 top up)
TV Licence.............................. 12.5
Satellite/Cable TV...................... 23 (guesstimate again as changed packages)
Internet Services....................... 0
Groceries etc. ......................... 250
Clothing................................ 60
Petrol/diesel........................... 200
Road tax................................ 22
Car Insurance........................... 36 (into savings pot as paid for this year)
Car maintenance (including MOT)......... 0-Thinking i should have something here but nothing left without tenants in house! grr!
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..................... 10 (landlord insurance, this is due)
Contents insurance...................... 10 (this is due...need to reassess this)
Life assurance ......................... 40 (2 axa savings come to maturity in 2013/ 2015)
Other insurance......................... 26.82
Presents (birthday, christmas etc)...... 60 (into savings account)
Haircuts................................ 5
Entertainment........................... 100
Holiday................................. 50 (savings)
Emergency fund.......................... 50(savings)
pocket money............................ 80 (£40 each dh & me)
School fees............................. 160 (savings)
Total monthly expenses.................. 1599.42

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

Secured & HP Debts
Description....................Debt......Monthly...APR
Mortgage...................... 106000...(217.1)....0
Total secured & HP debts...... 106000....-.........-
Unsecured Debts
Description....................Debt......Monthly...APR
CCC............................0.........295.......0
Total unsecured debts..........0.........295.......-

Monthly Budget Summary
Total monthly income.................... 2,332.56
Expenses (including HP & secured debts). 1,599.42
Available for debt repayments........... 733.14
Monthly UNsecured debt repayments....... 295
Amount left after debt repayments....... 438.14
Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -106,000
Total Unsecured debt.................... -0
Net Assets.............................. -106,000
Created using the SOA calculator at www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission, using IE browser.

I should have £400+ extra each month according to this....Obviously i don't have tenants at the moment so am actually £30 under for my budget for the moment ....top of my list for October......Get TENANTS!!!!!

debtfreewannabe321

bonnington wrote: »

Well done for listing the items on ebay. It is so time consuming. I always list on free listing week-ends. Although it is mainly re-listing with adding a few extra items. I do anything to save on fees, where possible. Otherwise we found that for the items we sold, the earnings were cancelled out by the listing fees on the items which did not sell.

You have a long list of jobs to do in October. I think mine is probably double the length of yours.
There is always something to do. I should be doing jobs now but enjoy reading your posts which keep me motivated.

I am aiming for 16 NSD's this month. Let's see who gets the most. :rotfl:

You're on! :T:j (for the race to NSD's)

And believe me as soon as i pressed 'reply' i thought of about 12 more jobs to do argh! it's never ending is it

:beer:

happy_but_skint

Just wrote a reply and lost it grrrrrr :mad:

Can I join this race :T

debtfreewannabe321

oh it's definitely a race with 3 of us

I'm starting today with my first NSD
Am I winning???

slm6002

well if its an official race i better join in too! got my first on 1st oct but aiming for as many as i can

debtfreewannabe321

oooh joint first at the moment lol! xx