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LiT - starting from the beginning and rebuilding my life
Comments
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Hi, well done with the debt management, I can understand how difficult it is as a single parent. You really do need to take the child psychology issue very seriously, I come from an alcoholic fathers upbringing and i can tell you that it is damaging having 'toxic parents' in your life. At least it sounds as though you are normal and out to do the best you can. Bare in mind that your ex's behaviour has affected your children, no ifs, no buts, we learn how to build relationships by the time we are 4 years old, this is something that a child psychologist will work with.2 CCJ's coming off in July and September 2011:j1 Satisfied Default for a measly £81:mad:£200 Capital One, £1500 Barclays Overdraft, T-Mobile Contract:cool:0
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Thanks drewwhonumba2. We now have everyone in place I think. I have had meetings with Womens Aid, 3Ps, child psychologist, doctors, school nurse, Education welfare and of course the school. We have a CAFF meeting on Friday so hopefully an action plan can now be put into place.Sealed Pot Challenge member #982
In 2012 I pledge to:- Save £1 a day, meal plan, be more organised, have NSDs, set myself a budget AND STICK TO IT, throw all loose change into Sealed Pot and not open it till 29th November.:money:0 -
On the debt front, still not had any more replies regarding F and Fs but I suppose it all takes time. TC went into the bank today so I have filtered off £50 and put into an ISA so I can now officially say "Ive started saving"Sealed Pot Challenge member #982
In 2012 I pledge to:- Save £1 a day, meal plan, be more organised, have NSDs, set myself a budget AND STICK TO IT, throw all loose change into Sealed Pot and not open it till 29th November.:money:0 -
Action plan for tomorrow morning...... to be done before my 3P meeting at 10!!! Just hope the kids go to school with no dramas!!
Lounge
[STRIKE]hoover floor[/STRIKE]
[STRIKE]tidy hotspot on table[/STRIKE]
[STRIKE]polish furniture[/STRIKE]
mop floor
Hall/stairs/landing
[STRIKE]sweep[/STRIKE] and mop floors
Bathroom and downstairs loo
[STRIKE]clean toilet[/STRIKE]
[STRIKE]wipe out sink and bath[/STRIKE]
[STRIKE]sweep floor[/STRIKE]
mop floor
[STRIKE]polish mirrors[/STRIKE]
[STRIKE]wipe down window sills[/STRIKE]Sealed Pot Challenge member #982
In 2012 I pledge to:- Save £1 a day, meal plan, be more organised, have NSDs, set myself a budget AND STICK TO IT, throw all loose change into Sealed Pot and not open it till 29th November.:money:0 -
Hi LIT have only read the first few posts of your thread, but well done you in taking the right steps to get everything in order, bless you going through such a rough time, but crikey what a strong woman you are, going through all of that and coming out the other side. I'll be jumping in and out and catching up on your progress, again well done you!!0
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Wooohoooo I love getting my payslip but I love working bank holidays at double time even more!!! Haha! I can put another £140 into my savings pot!!
Still no reply ref Fand Fs though. If ive not heard anything by tomorrow then I will have to write to them again.Sealed Pot Challenge member #982
In 2012 I pledge to:- Save £1 a day, meal plan, be more organised, have NSDs, set myself a budget AND STICK TO IT, throw all loose change into Sealed Pot and not open it till 29th November.:money:0 -
Its been a busy weekend. The 2 youngest have gone their dads and my DS2 has gone to stay with his gran for afew days (my eldest lives with my mum so he wont be bored). KH collared me whilst I was their and wanted to discuss maintenance!!!
He said he would pay £300 a month in a private agreement as long as the CSA werent involved BUT the money was to be split 50/50 and he would pay it into the youngest 2s bank accounts!!! Hummm. Whilst £300 is a fantastic amount and in theory it looks good I dont think he would keep his end of the bargain and I definitely do not want the kids having that kind of money each month in their bank accounts as they can access it too easily. I have been on the CSA website and their calculator suggests that he pays £136 per month. I would be happy with this as I know its taken from source and I would receive it each month. Any other money he wishes to give to the children he can then put in their bank accounts. I think that would be a much more reasonable way to handle things and at least then I know where im at. I will tell him when he brings the children back but I dont think he will be to impressed lol.
Ive got work today after having the weekend off but I dont mind as its double time today WOOPWOOP. I need to blitz the kitchen and lounge before I go so then I can sit and chill when I get home.
Some of the seeds I planted in the garden are just coming through (lettuce, raddish, swede, cauliflower, carrots) and the other veggis are doing great. Surprising what some rain does. Mind you it has been raining for a good 12 hours now but we needed it as everything was very dry.
No post today and had nothing over the weekend. Tomorrow I will draft some more letters for F and Fs and see if anyone replies.
Oh well best get cleaning
Have a great bank holiday monday everyoneSealed Pot Challenge member #982
In 2012 I pledge to:- Save £1 a day, meal plan, be more organised, have NSDs, set myself a budget AND STICK TO IT, throw all loose change into Sealed Pot and not open it till 29th November.:money:0 -
Bank of mum and dad - £4000 / now £2800 (£100 a month)
CC1 - £200 CLEAR
CC2 - £360 CLEAR
DWP - £1684.08 CLEAR
Catalogue - £700 CLEAR
Moorcroft - £1179.50 CLEAR
Wescott - £465 CLEAR
Just updating my finances as all F and Fs have been finalised and have now been paid!!! WOOP WOOP.
Ive also sold my other car and got £2700 for it!! It cost me £310 to get it through an MOT which wasnt too bad. I didnt bother to tax it. I used this money to pay off DWP (couldnt get this amount reduced) and also paid £1000 to mum.Sealed Pot Challenge member #982
In 2012 I pledge to:- Save £1 a day, meal plan, be more organised, have NSDs, set myself a budget AND STICK TO IT, throw all loose change into Sealed Pot and not open it till 29th November.:money:0 -
Debt was £8618.08
now
£2800Sealed Pot Challenge member #982
In 2012 I pledge to:- Save £1 a day, meal plan, be more organised, have NSDs, set myself a budget AND STICK TO IT, throw all loose change into Sealed Pot and not open it till 29th November.:money:0 -
Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 2 eldest son in college
Number of children in household......... 2
Number of cars owned.................... 1
Monthly Income Details
Monthly income after tax................ 649 (wages)
Partners monthly income after tax....... 602 (HB)
Benefits................................ 920 tax credit
Other income............................ 188 (CB)
Total monthly income.................... 2359
Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 650
Management charge (leasehold property).. 0
Council tax............................. 15
Electricity............................. 179 (gas and electric)
Gas..................................... 0
Oil..................................... 0
Water rates............................. 19
Telephone (land line)................... 62 (internet, tv, phone)
Mobile phone............................ 40 (for all 4 of us)
TV Licence.............................. 14
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 400
Clothing................................ 25
Petrol/diesel........................... 50
Road tax................................ 15
Car Insurance........................... 38
Car maintenance (including MOT)......... 23
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 120 (term time only)
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 11
Buildings insurance..................... 0
Contents insurance...................... 15
Life assurance ......................... 12
Other insurance......................... 0
Presents (birthday, christmas etc)...... 100
Haircuts................................ 40
Entertainment........................... 100
Holiday................................. 100
Emergency fund.......................... 230 (savings)
Total monthly expenses.................. 2258
Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 4500
Other assets............................ 0
Total Assets............................ 4500
No Secured nor Hire Purchase Debts
Unsecured Debts
Description....................Debt......Monthly...APR
mum............................2800......100.......0
Total unsecured debts..........2800......100.......-
Monthly Budget Summary
Total monthly income.................... 2,359
Expenses (including HP & secured debts). 2,258
Available for debt repayments........... 101
Monthly UNsecured debt repayments....... 100
Amount left after debt repayments....... 1
Personal Balance Sheet Summary
Total assets (things you own)........... 4,500
Total HP & Secured debt................. -0
Total Unsecured debt.................... -2,800
Net Assets.............................. 1,700
Created using the SOA calculator at www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission, using Firefox browser.
This new SOA will start in July. Hopefully I can now get my savings pot to grow. Also I should soon start receiving maintenance WOOPWOOPSealed Pot Challenge member #982
In 2012 I pledge to:- Save £1 a day, meal plan, be more organised, have NSDs, set myself a budget AND STICK TO IT, throw all loose change into Sealed Pot and not open it till 29th November.:money:0
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