Where's that flipping lightbulb when I need it? SOA INCLUDED NOW

loadsa-debt

It has been a week since my last post dear diary and what have I learnt? Nowt, thats what....

My 11 items were listed on ebay at my last posting and the outcome from that - less than half of them sold earning me a grand total of £53 which is a bit pitiful. I have relisted everything that didn't sell and can only hope it goes this time. It is so disheartening to put so much effort into listing items and only getting a pittance back. One of the items I was selling was a pair of designer slippers BNIB that retail for around £65. They sold for £3 sob sob. Maybe I should have kept them. The strange thing was that I thought they would go for a great price as there was 14 people watching them but none of them bid. Is it any wonder I am sinking into despair.

On the plus side in the giant amazon sale at the start of the year I bought a lovely pair of CAT boots that retail at £100 but I got them for the bargain price of £38. They didn't fit and I was like cindarellas ugly sister trying to wedge my feet into them but to no avail. My plan was to sit on the edge of the bath with my feet half in the boots, up to my ankles in bathwater and try to wedge my feet in them. surpirsingly enough, I never got round to it and now on the bring of summer they are still in my wardrobe. The silver lining is that they sold for £41 yeeha a £3 profit, all is not lost.....

The thigh trainer thing is on gumtree with not even a snifter. Looks like I was the only mug to fall for the great legs and !!! in only 1 minute crap. Ho hum, I am such a consumer it is beyond belief.

My latest love is groupon and they have recenly added my city which makes it so much more entertaining. Now I am the least gym bunny person you will ever meet and would never consider joining a gym but tonight I am tempted by a bootcamp deal for only £19. It doesn't run out until November so if I bought it now I would have time to lose weight, build up my fitness, will have recovered from injury and will be ready to bootcamp with the rest of them. I need to give myself a shake, get a grip and step away from groupon.

The last week hasn't involved much of a debt free journey, it has been more of a debt inducing journey with more spends on home improvement to get the house ready for the big sell. I have someone coming up this week to go through the costs of selling and everything else involved so hopefully theres some good news there and the costs won't be enough to make me keel over.

Aside for postage for the ebay items, paying the cleaner and dog walker I am not planning to spend any money this week. Jeez, that is about £130 without even trying. No wonder I am so skint.

loadsa-debt

I have finally got round to completing the SOA but think I have done something wrong. The format I originally had it in had a deficit of £1K a month which then went down to around -£600 after reducing all card payments and the mortgage down to the bare minimum but the soa states I have a much lower deficit which is great but I don't think it is accurate.

Deep breath....here goes....

Statement of Affairs and Personal Balance Sheet

Household Information
Number of adults in household........... 1
Number of children in household......... 0
Number of cars owned....................

Monthly Income Details
Monthly income after tax................ 1900
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 1900

Monthly Expense Details
Mortgage................................ 375
Secured/HP loan repayments.............. 0
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax with 25% discount& water rates...125
Electricity and gas combined........... 90
Telephone (land line), tv and internet... 50
Mobile phone............................ 20
TV Licence.............................. 10
Groceries etc. ......................... 150
Clothing................................ 30
Petrol/diesel........................... 140
Road tax................................ 24
Car Insurance........................... 25
Car maintenance (including MOT)......... 5
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 5
Pet insurance/vet bills................. 70
Other insurance......................... 65
Presents (birthday, christmas etc)...... 20
Haircuts................................ 50
Entertainment........................... 25
Holiday................................. 0
Emergency fund.......................... 0
(Unnamed monthly expense)............... 0
newspapers/magazine subscriptions....... 25
cleaner................................. 75
pet costs............................... 175
Total monthly expenses.................. 1554


Assets
Cash.................................... 0
House value (Gross)..................... 135000
Shares and bonds........................ 0
Car(s).................................. 9000
Other assets............................ 0
Total Assets............................ 144000


Secured & HP Debts
Description....................Debt......Monthly...APR
Mortgage...................... 34000....(375)......4.99
Total secured & HP debts...... 34000.....-.........-

Unsecured Debts
Description....................Debt......Monthly...APR
santander 1....................0.........35........0
barclaycard....................0.........150.......0
santander 2....................0.........15........0
loan...........................0.........400.......0
Total unsecured debts..........0.........600.......-


Monthly Budget Summary
Total monthly income.................... 1,900
Expenses (including HP & secured debts). 1,554
Available for debt repayments........... 346
Monthly UNsecured debt repayments....... 600
Amount short for making debt repayments. -254

Personal Balance Sheet Summary
Total assets (things you own)........... 144,000
Total HP & Secured debt................. -34,000
Total Unsecured debt.................... -0
Net Assets.............................. 110,000

pleasedelete

Gosh ok.

Cleaner- do you need one?

Pet costs £175??? Plus insurance? What pets cost £175 a month?

Newspapers/magazines?

What is other insurance at £65

loadsa-debt

pleasedelete wrote: »

Gosh ok.

Cleaner- do you need one?

Pet costs £175??? Plus insurance? What pets cost £175 a month?

Newspapers/magazines?

What is other insurance at £65

I have a lodger at the moment and otherwise would spend my evenings and weekends cleaning the house. Other people's body hair gives me the heave so £15 a week is a small price to pay to avoid that horror.

I am putting the house on the market when the lodger moves out and don't plan to have one in the new house so there will be no cleaner when I move.

The pets cost me a fortune. 2 dogs - food for them is around £60pcm, the dog walker is £100pcm as I can't leave them all day when I go to work. I have listed insurance for them seperately which is £45pcm plus there tends to be vet visits that don't hit the insurance threshold, worming, flea prevention etc. That total doesn't even include training which was costing £150 every 10 weeks for training and agility for the youngest one. I have stopped that for now so the costs are lower than they were.

Newspapers and magazines are my guilty pleasure. I get the local paper every evening and a trashy tabloid on a sunday. I suppose they could go but I decided to get them delivered this year so I wouldn't go to the shop and buy chocolate.

Other insurance is buildings, contents, mortgage insurance. I had them collated seperately on a sheet I prepared previously rather than individually.

pleasedelete

You can order frontline flea and worm online from boots. I have 2 cats and a big dog and it is much less than £10 a month. I wait for a money off or extra points day and use bonus coupons. So £100 worth was £60 just before Christmas.

My labrador eats hills dog food and is less than £20 a month. How big are yours and what are they eating?

pleasedelete

I used to have a NEET dog walker but he got a job.

The most I am out is 8 hours and not everyday and I appreciate that you may be out much longer. We now leave dog in conservatory with door open to outside and garden. There is an external locked door to the house. A run and kennel outside would be another option. She has a bed and there is shade etc. We walk her 1st thing and when we get in. We ensured that the garden was secure.

Would something like that be an option at your new house?

loadsa-debt

I am hoping to move quite rural so hopefully leaving the door open or a conservatory would be an option. At the moment the big woofer is a major woofer and I would have environmental health round as he barked at every postie, leaf, dog etc that passed any neighbouring street. The other one is such a couthy lazy mutt she would be disgusted at being sent outside but would happily stay inside for hours without peeing. TBH I don't expect them to go longer without a pee than I would so either need an outside solution or someone to let them out. I love the idea of having someone who is NEET to let them out but (and theres always a but with me) the big boy isn't good with strangers so it would take a lot of time to get him used to someone.

I have a guarding breed (9 stone) and a medium sized dog (3.5 stone) so they do eat more than the average hound. They were on orijen but I downgraded to a different brand a while ago that suits them well. I do tend to stock up on flea/worming products at online chemists but they are the most accident prone and sickly dogs ever, or maybe I go to the vet quicker than most would.

Having read that back it reads like I want to save lots of money but not make any concessions. Honestly thats not true but my poochies deserve the best.

pleasedelete

Well mine does have an old sofa in the conservatory. Inside she isn't allowed on furniture or beds (she didn't even go upstairs for 1st four years but I weakened). She loves her sofa and runs out reallly happily and leaps on it. She used to bark a tiny bit until she was neutered. One neighbour complained (he had had a big dog issue with previous people in our house and he oddly has his windows open all year round). I left a tape recorder for over a week- not a bark coukd be heard until she heard my car on the drive.

The dog person from the council came round. Asked other neighbours who said they never heard her (and they join onto us). They looked at conservatory and garden. Said it was great and went away,

His wife left him. Now doesn't go out.