Carpe Diem... My new aim in life!

elsiepac

Hey guys, sorry I'm not updating much - date was good, I'm not really sure this will go anywhere long term but am still being open so we'll see what happens! We're fairly different! But he is lovely!

Work manic again...nuff said!

Love love

LC

__________________________________________________________________

The Boring Stuff: Challenges

Aug No Spend Days - 5 NSDs

3 Aug
22 Aug
24 Aug
27 Aug

NSDs: 4/5

£365 in 365 Days

Started challenge late with 215 days to go in 2011.
Am aiming to make up the 150 days I've lost as well.

215 Days - £00/£215
May Total: £00/£01
Jun Total: £00/£30
Jul Total: £00/£31
Aug Total: £00/£31

150 Days - £00/£150
May Total: £00
Jun Total: £00
Jul Total: £00
Aug Total: £00

(planned - Sep £40, Oct £145, Nov £110, Dec £60) I can do without the other £10 but will try!

365 Days - £00/£365 (this is paying for Christmas and January family birthdays this year! - including my birthday night out!)


Nifty Thrifty Weight Loss Challenge

Start weight: 210
End July Weight: 210.9 (!)
End Aug Weight: 208.0
July 2011: -0.9/7
Aug 2011: 2.9/5.9

Weigh Ins:
05 Aug: 208.6 - Lost 2.3
12 Aug: 210.2 - Gain 1.6 (rubbish! - didn't even try though to be fair!)
19 Aug: 211.6 - Gain 1.4 (ok...getting out of control...)
26 Aug: 208.0 - Lost 3.6 (better!)

Sealed Pot Challenge 4

Aiming for a minimum of £70 so can buy Wii Fit Plus!
Silvers in Terramundi, Coppers in Jelly Baby
Open TERRAMUNDI on 1 December 2011

Result:
1st Opening 25 June 2011: £96.55!
2nd Opening 1 Dec 2011: £ tba!

elsiepac

MSE format SOA for September 2011
Just for curiosity's sake really!
Yes, I could be chucking more at debts, but I'm happy with what I'm doing thanks! I will be debt free in Feb 2012 at the latest, but might be Jan 2012.

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.................... 1

Monthly Income Details
Monthly income after tax................ 1618.69
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 1618.69

Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 250
Management charge (leasehold property).. 0
Council tax............................. 0
Electricity............................. 0
Gas..................................... 0
Oil..................................... 0
Water rates............................. 0
Telephone (land line)................... 0
Mobile phone............................ 30 contract is £25 something, so I allow £30. Always under.
TV Licence.............................. 0
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 175 includes £40 Toiletries. Works out £30 per week for food.
Clothing................................ 80 special big allowance this month as I need EVERYTHING.
Petrol/diesel........................... 190 no way to cut down.
Road tax................................ 15
Car Insurance........................... 41
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)...... 40 the start of my Christmas savings.
Haircuts................................ 40 DESPERATE for colour this time, have put it off for too long!
Entertainment........................... 170 £35 a week. Generous, but will try to stay under.
Holiday................................. 0
Emergency fund.......................... 7 essentially my change
Cash ISA................................ 0.49 and other change! Will become moving fund when debt free.
Graze................................... 5.98 2 boxes
Tesco DVD............................... 7.5 4 DVDs a month
Driving License Photo Card Renewal...... 20 Annoyingly expired so had notice through a couple of weeks ago.
OU Fees................................. 28 Last one for this course next month.
Tesco Wine.............................. 42.72 Bargain on 12 bottles and got free delivery. I increased this from my usual £35 for 6 bottles, as it was such a good deal.
Total monthly expenses.................. 1142.69


Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 3500
Other assets............................ 0
Total Assets............................ 3500

No Secured nor Hire Purchase Debts

Unsecured Debts
Description....................Debt......Monthly...APR
CCCS...........................2000......476.......0
Total unsecured debts..........2000......476.......-


Monthly Budget Summary
Total monthly income.................... 1,618.69
Expenses (including HP & secured debts). 1,142.69
Available for debt repayments........... 476
Monthly UNsecured debt repayments....... 476
Amount left after debt repayments....... 0

Personal Balance Sheet Summary
Total assets (things you own)........... 3,500
Total HP & Secured debt................. -0
Total Unsecured debt.................... -2,000
Net Assets.............................. 1,500

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

rdchick

Seriously wish I was as organised as you. You must tell me your secret! Xxx

elsiepac

rdchick - it's called OCD my darling!!! :rotfl: xxx

__________________________________________________________________

The Boring Stuff: Challenges

Sep No Spend Days - 5 NSDs

Tue 6 Sep

NSDs: 1/5

£365 in 365 Days

Started challenge late with 215 days to go in 2011.
Am aiming to make up the 150 days I've lost as well.

215 Days - £00/£215
May Total: £00/£01
Jun Total: £00/£30
Jul Total: £00/£31
Aug Total: £00/£31

150 Days - £00/£150
May Total: £00
Jun Total: £00
Jul Total: £00
Aug Total: £00

(planned - Oct £30, Nov £305, Dec £25) I can do without the other £5 but will try!

365 Days - £00/£365 (this is paying for Christmas and January family birthdays this year! - including my birthday night out!)


Nifty Thrifty Weight Loss Challenge

Start weight: 210
End July Weight: 210.9 (!)
End Aug Weight: 208.0
July 2011: -0.9/7
Aug 2011: 2.9/5.9
Sep 2011: 1.3/6

Weigh Ins:
02 Sep: 216.0 - Gain 8.0 :eek: (I was ill and ate everything in sight)
09 Sep: 214.7 - Lost 1.3

Sealed Pot Challenge 4

Aiming for a minimum of £70 so can buy Wii Fit Plus!
Silvers in Terramundi, Coppers in Jelly Baby
Open TERRAMUNDI on 1 December 2011

Result:
1st Opening 25 June 2011: £96.55!
2nd Opening 1 Dec 2011: £ tba!

elsiepac

__________________________________________________________________

The Boring Stuff: Challenges

Sep No Spend Days - 5 NSDs

Tue 6 Sep
Tue 13 Sep

NSDs: 2/5

£365 in 365 Days

Started challenge late with 215 days to go in 2011.
Am aiming to make up the 150 days I've lost as well.

215 Days - £00/£215
May Total: £00/£01
Jun Total: £00/£30
Jul Total: £00/£31
Aug Total: £00/£31

150 Days - £00/£150
May Total: £00
Jun Total: £00
Jul Total: £00
Aug Total: £00

(planned - Oct £30, Nov £305, Dec £25) I can do without the other £5 but will try!

365 Days - £00/£365 (this is paying for Christmas and January family birthdays this year! - including my birthday night out!)


Nifty Thrifty Weight Loss Challenge

Start weight: 210
End July Weight: 210.9 (!)
End Aug Weight: 208.0
July 2011: -0.9/7
Aug 2011: 2.9/5.9
Sep 2011: 1.3/6

Weigh Ins:
02 Sep: 216.0 - Gain 8.0 :eek: (I was ill and ate everything in sight)
09 Sep: 214.7 - Lost 1.3

Sealed Pot Challenge 4

Aiming for a minimum of £70 so can buy Wii Fit Plus!
Silvers in Terramundi, Coppers in Jelly Baby
Open TERRAMUNDI on 1 December 2011

Result:
1st Opening 25 June 2011: £96.55!
2nd Opening 1 Dec 2011: £ tba!

elsiepac

__________________________________________________________________

The Boring Stuff: Challenges

Sep No Spend Days - 5 NSDs

Tue 6 Sep
Tue 13 Sep

NSDs: 2/5

£365 in 365 Days

Started challenge late with 215 days to go in 2011.
Am aiming to make up the 150 days I've lost as well.

215 Days - £00/£215
May Total: £00/£01
Jun Total: £00/£30
Jul Total: £00/£31
Aug Total: £00/£31

150 Days - £00/£150
May Total: £00
Jun Total: £00
Jul Total: £00
Aug Total: £00

(planned - Oct £30, Nov £305, Dec £25) I can do without the other £5 but will try!

365 Days - £00/£365 (this is paying for Christmas and January family birthdays this year! - including my birthday night out!)


Nifty Thrifty Weight Loss Challenge

Start weight: 210
End July Weight: 210.9 (!)
End Aug Weight: 208.0
July 2011: -0.9/7
Aug 2011: 2.9/5.9
Sep 2011: 5.3/6

Weigh Ins:
02 Sep: 216.0 - Gain 8.0 :eek: (I was ill and ate everything in sight)
09 Sep: 214.7 - Lost 1.3
16 Sep: 210.7 - Lost 4.0

Sealed Pot Challenge 4

Aiming for a minimum of £70 so can buy Wii Fit Plus!
Silvers in Terramundi, Coppers in Jelly Baby
Open TERRAMUNDI on 1 December 2011

Result:
1st Opening 25 June 2011: £96.55!
2nd Opening 1 Dec 2011: £ tba!

elsiepac

I called things off with the guy from work - we didn't really have anything at all in common, lovely guy but just didn't have anything to say to him! Ho hum.

Getting really fed up of being at parents, however only have my payments of £476 on 1 Oct, 1Nov and 1 Dec and then maybe £60 if that in Jan and I'm debt free - confirmed all interest rates finally (the DCA and the PDL company are both not charging me which is great, and the DCA falls off with my 1 Oct payment) - and I made a spreadsheet to work out how much interest the 3 CC's are charging me each month so I could get an accurate figure. Feel much more organised. Then it's just saving up to move out...and so it begins again hehe.

__________________________________________________________________

The Boring Stuff: Challenges

Sep No Spend Days - 5 NSDs

Tue 6 Sep
Tue 13 Sep
Mon 19 Sep

NSDs: 3/5

£365 in 365 Days

Started challenge late with 215 days to go in 2011.
Am aiming to make up the 150 days I've lost as well.

215 Days - £00/£215
May Total: £00/£01
Jun Total: £00/£30
Jul Total: £00/£31
Aug Total: £00/£31

150 Days - £00/£150
May Total: £00
Jun Total: £00
Jul Total: £00
Aug Total: £00

(planned - Oct £30, Nov £305, Dec £25) I can do without the other £5 but will try!

365 Days - £00/£365 (this is paying for Christmas and January family birthdays this year! - including my birthday night out!)


Nifty Thrifty Weight Loss Challenge

Start weight: 210
End July Weight: 210.9 (!)
End Aug Weight: 208.0
July 2011: -0.9/7
Aug 2011: 2.9/5.9
Sep 2011: 5.3/6

Weigh Ins:
02 Sep: 216.0 - Gain 8.0 :eek: (I was ill and ate everything in sight)
09 Sep: 214.7 - Lost 1.3
16 Sep: 210.7 - Lost 4.0

Sealed Pot Challenge 4

Aiming for a minimum of £70 so can buy Wii Fit Plus!
Silvers in Terramundi, Coppers in Jelly Baby
Open TERRAMUNDI on 1 December 2011

Result:
1st Opening 25 June 2011: £96.55!
2nd Opening 1 Dec 2011: £ tba!

elsiepac

Long time no post!
Lots has been happening, not a lot of it good!

The best thing is that I will be debt free in December.

I don't know how much I will pay as need to get balances after 26th November (but before 30th to give me time to change my SO!!!), but I can work it out to within a couple of pounds and then add contingency tenner!

I'm going to pop my SOA for December below - it includes some overtime I did, but which is nearly all wiped out with paying my parents back the other £210 for stuff I had to have done on my car this month. Already gave them all my spare cash this month. I've under-estimated on the overtime to be on the safe side.

December SOA:

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.................... 1

Monthly Income Details
Monthly income after tax................ 1888.69 usually 1618.69 but have allowed 270 for overtime after tax - should be more like 310 in which case will be saved
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 1888.69

Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 250 staying with parents - includes utilities but not food
Management charge (leasehold property).. 0
Council tax............................. 0
Electricity............................. 0
Gas..................................... 0
Oil..................................... 0
Water rates............................. 0
Telephone (land line)................... 0
Mobile phone............................ 30 actually 25 but I always allow 30 then move the surplus to savings after bill paid on 28th of month
TV Licence.............................. 0
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 190 includes 40 toiletries as need make up, and 150 food as slightly more expensive items in Dec for treats
Clothing................................ 0
Petrol/diesel........................... 200 46 mile round trip to work every day
Road tax................................ 60 have 20 saved and getting 6 months for 80 at end Dec - next year will be 12 per month
Car Insurance........................... 41 includes breakdown, protected no claims and courtesy car due to distance from work
Car maintenance (including MOT)......... 210 paying parents back for essential car work beginning Nov
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 0 exempt
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 0
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 80 last couple of Christmas pressies plus couple of birthdays beginning Jan
Haircuts................................ 40 full cut and colour
Entertainment........................... 270 unusually high budget due to Christmas and overtime - includes Christmas party and meal out (drinks only)
Holiday................................. 0
Emergency fund.......................... 1.19 change from bank account after all else paid
Tesco DVD Rental........................ 7.5 4 DVDs a month
Tesco Wine.............................. 48 usually less than this - always get 12 bottles a month
Total monthly expenses.................. 1427.69


Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 3000
Other assets............................ 0
Total Assets............................ 3000

No Secured nor Hire Purchase Debts

Unsecured Debts
Description....................Debt......Monthly...APR
CCCS Final Payment.............436.......436.......0 self explanatory
OUSBA..........................167.49....25........0 Open University Student Budget Account - splits remainder of fees after course grant taken off into monthly payments over time of course - I always do this - about £1.50 interest over life of course, approx 8 months
Total unsecured debts..........603.49....461.......-


Monthly Budget Summary
Total monthly income.................... 1,888.69
Expenses (including HP & secured debts). 1,427.69
Available for debt repayments........... 461
Monthly UNsecured debt repayments....... 461
Amount left after debt repayments....... 0

Personal Balance Sheet Summary
Total assets (things you own)........... 3,000
Total HP & Secured debt................. -0
Total Unsecured debt.................... -603.49
Net Assets.............................. 2,396.51

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

elsiepac

This is my new estimated SOA for when I move out. This now looks like beginning of August 2012 (based on end July payday), so has come forward a month since I last did this 2 months ago (which was beginning September 2012 based on end August payday). Explanatory notes included:

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.................... 1

Monthly Income Details
Monthly income after tax................ 1618.69 based on current salary as no rises will be given this year
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 1618.69

Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 550 predicted, based on averages - would like this to be 500 but prices going up everyday - this will now get a one bed flat, a year ago it would have got a 2 bed house
Management charge (leasehold property).. 0
Council tax............................. 100 possibly a bit high, but basing on band B with single occupier discount in the area I want
Electricity............................. 30 projected
Gas..................................... 30 projected
Oil..................................... 0
Water rates............................. 50 projected with a bit of leeway!
Telephone (land line)................... 10 get O2 deal
Mobile phone............................ 30 actually 25 but allow 30 and push remainder to saving at end month
TV Licence.............................. 25 drops to 15 after 6 months
Satellite/Cable TV...................... 0 can't justify
Internet Services....................... 12 get O2 deal
Groceries etc. ......................... 190 breakdown: 140 food, 40 toiletries (inc. make up), 10 cleaning - again, should be surplus at end month, these are budgetary figures
Clothing................................ 30 have increased this as was hoping to build up clothes while living at parents which may well still happen but am allowing for it not to - have very few clothes
Petrol/diesel........................... 140 complete guess based on £30 a week with £10 surplus, am hoping won't be as much as this
Road tax................................ 12 about £130 for year so £14 total annual overpayment (but allowing for increases in future)
Car Insurance........................... 41 based on current but may drop if remove courtesy car option and when renew in April
Car maintenance (including MOT)......... 25 loose figure based on some savings already being there and the fact I'll have had 4 new tyres and MOT in Jan and just had full service. Still allows £300 a year though. Is this enough for tyres, service and MOT?
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 5 prescriptions are exempt (thank you Mr Thyroid!) so this is £5 for dentist visits
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 0
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 45 £23 for Christmas, £22 for other presents/cards throughout the year
Haircuts................................ 22 every 5 weeks but alternate cut £10 with cut and colour £40, so £50 every 10 weeks
Entertainment........................... 140 loosely based on £30 a week with £10 surplus - this looked tight before I quit smoking as cigs would come from here, but now it looks generous!
Holiday................................. 0
Emergency fund.......................... 10 goes to savings account which is easy access
Tesco DVD............................... 7.5 this is my treat instead of Sky! 4 DVDs a month
Tesco Wine.............................. 45 this is the cheapest way to get wine and yes I do get through about 10 bottles a month - this covers 12
Cash ISA................................ 38.19 pure savings
365 Pot (Cash Savings).................. 31 pure savings
Total monthly expenses.................. 1618.69


Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 2500 rough guess - probably not worth this at all! list price is currently £3.5k but is so rattley I am dubious!
Other assets............................ 0
Total Assets............................ 2500

No Secured nor Hire Purchase Debts

Unsecured Debts
Description....................Debt......Monthly...APR
Total unsecured debts..........0.........0.........-


Monthly Budget Summary
Total monthly income.................... 1,618.69
Expenses (including HP & secured debts). 1,618.69
Available for debt repayments........... 0
Monthly UNsecured debt repayments....... 0
Amount left after debt repayments....... 0

Personal Balance Sheet Summary
Total assets (things you own)........... 2,500
Total HP & Secured debt................. -0
Total Unsecured debt.................... -0
Net Assets.............................. 2,500

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

elsiepac

I've just updated the SOA for when I've moved out again, to much more comfortable figures. the only one I'm not happy about is the Entertainment figure - I'd feel more comfortable if it was just say £15 higher. However, you can't spend what you don't have, and I'd prefer to focus on saving the little bits that I do/will. Also, as the bills etc are budgetary, it is likely that there will be room for a bit of movement there anyway, so hopefully will find my £15!!! :j

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.................... 1

Monthly Income Details
Monthly income after tax................ 1618.69
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 1618.69

Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 550
Management charge (leasehold property).. 0
Council tax............................. 100
Electricity............................. 30
Gas..................................... 30
Oil..................................... 0
Water rates............................. 50
Telephone (land line)................... 10
Mobile phone............................ 30
TV Licence.............................. 25
Satellite/Cable TV...................... 0
Internet Services....................... 12
Groceries etc. ......................... 190
Clothing................................ 30
Petrol/diesel........................... 130
Road tax................................ 12
Car Insurance........................... 41
Car maintenance (including MOT)......... 30
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 5
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 0
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 45
Haircuts................................ 22
Entertainment........................... 125
Holiday................................. 20
Emergency fund.......................... 15
Cash ISA (General Savings).............. 33.19
365 Pot (Cash Savings).................. 31
Tesco DVD............................... 7.5
Tesco Wine.............................. 45
Total monthly expenses.................. 1618.69


Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 2500
Other assets............................ 0
Total Assets............................ 2500

No Secured nor Hire Purchase Debts

Unsecured Debts
Description....................Debt......Monthly...APR
Total unsecured debts..........0.........0.........-


Monthly Budget Summary
Total monthly income.................... 1,618.69
Expenses (including HP & secured debts). 1,618.69
Available for debt repayments........... 0
Monthly UNsecured debt repayments....... 0
Amount left after debt repayments....... 0

Personal Balance Sheet Summary
Total assets (things you own)........... 2,500
Total HP & Secured debt................. -0
Total Unsecured debt.................... -0
Net Assets.............................. 2,500

Created using the SOA calculator at https://www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission, using Firefox browser.