Stephie's 100 Strokes of the Brush before Bed

rdchick

Hi DFW321!!

Sorry to hear about your nan, I do believe people die of broken hearts

Haha I love that pic too - makes me laugh!

Yeah I've given up the whole wishing/hoping thing on marriage, it will happen when it happens... men are strange creatures! My dad never actually asked my mum, he just assumed that it would happen :rotfl:

I will be looking out for some more jobs, it's not all over yet

My motto is now to take each day as it comes, and eventually I'll get there

xxx

nicedream_2

Just popping by to see 'hello' and i've subscribed to your diary too

rdchick

Hello Nicedream! hope you are ok xxx

rdchick

So, just done my budget for the next month, and I'm pretty impressed After all my payments and debts and stuff go out I am left with £644.58 (which includes the wages from my second job) so if I can make another couple of quid on eBay things will be amazing It's been a while since I have had so much 'left over cash' especially as recently I have paid my 'little big debts' off with my wages each month (near on £200 a time :eek:) so I think tomorrow I will put a lot in my savings account and not touch it as sooner it gets to £500 the better and then I can either pay off my Credit card in full or pay off 1/6th of my overdraft (which currently costs me £60 a month in fees :O) my debts are as follows:

£3000 Overdraft
£3486.53 Loan
£500 Credit Card

Therefore if I can get the overdraft under £2500 the fees will come down to (only!) £30 rather than £60 for the month and I guess I could put the extra £30 I saved into the credit card above minimum payments and get them both down at the same time.

I can actually see how this could really work - I have been hating the fact I have the 'biggies' left but if I continue to plod on with the 'little and often' mantra I could get this down quicker and with this new 'savings' account acting like a storage account I can make a virtual pot and save like I've never saved before!! (I have never saved before) to pay off the debt! yay! xxx

bobble_hat

Hi Rdchick, silly question but how do you add a photo/picture to your post please?

Sparkerly

Wow, looks like your going do well this month. :j Just think that you may have the 'biggies' left but the way you are going they are soon going to be tiddlers!

rdchick

bobble_hat wrote: »

Hi Rdchick, silly question but how do you add a photo/picture to your post please?

If you click on the little picture of a picture (4th one in on the right of the advanced bit) then add the link to the pic - I always upload to photobucket first

Here is my Bill Cat

bobble_hat

rdchick wrote: »

If you click on the little picture of a picture (4th one in on the right of the advanced bit) then add the link to the pic - I always upload to photobucket first

Here is my Bill Cat

Excellent, thank you :T He is a lovely cat, I had a lovely black and white cat called Eddie.

rdchick

bobble_hat wrote: »

Excellent, thank you :T He is a lovely cat, I had a lovely black and white cat called Eddie.

He is beautiful but he is also a little !!!! at times... keeps biting me at the mo awww black and white cats are the best! xxx

rdchick

Just decided to do another SOA just because I've been on here for a little while now... Going to find my old SOA from when I first began and compare it

Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 2 (not including the BF's in this though)
Number of children in household.........
Number of cars owned.................... 2
Monthly Income Details
Monthly income after tax................ 1046
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 212 (second job)
Total monthly income.................... 1258
Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 390 (reduced from £500 by my gorgeous BF and that includes the bills too )
Management charge (leasehold property).. 0
Council tax............................. 0
Electricity............................. 0
Gas..................................... 0
Oil..................................... 0
Water rates............................. 0
Telephone (land line)................... 0
Mobile phone............................ 35 (only 2 months to go then it's PAYG for me )
TV Licence.............................. 0
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 50
Clothing................................ 10
Petrol/diesel........................... 60
Road tax................................ 10
Car Insurance........................... 60
Car maintenance (including MOT)......... 0
Car parking............................. 5
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)...... 10
Haircuts................................ 5 (rarely go tbh, generally go every 3ish months for a trim)
Entertainment........................... 50
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 685

Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 1500
Other assets............................ 0
Total Assets............................ 1500

No Secured nor Hire Purchase Debts
Unsecured Debts
Description....................Debt......Monthly...APR
Loan...........................3486......96.04.....29.9
Credit Card....................500.......25........9.6
Overdraft......................3000......60........29.9