Risen from the ashes ...

rising_from_the_ashes

So ..... I have an inkling to start a new diary :eek:

I'm quite attached to this one (it's been with me since 2010) and we've been through a lot together but things are a lot different now than when I started it and not sure if I should start afresh with my new set of goals ...... or whether to keep going in here in case I don't "gel" with the new one - does that make any sense?

Before I can even think of doing it - I'd need a good name for it!:)

slowlyfading

A new diary sounds like a good idea to me especially as things are quite a bit different!

rising_from_the_ashes

Yup .... it would also be handy to have a couple of posts at the front with things like my SOA and an action plan etc in (pinching that from a few peoples' diaries!)

It would be a lot easier to keep these updated and find them!

I did a new SOA a couple of weeks ago and it's taken me ages to find it!

slowlyfading

Do a new diary then! but you have to think about a snazzy new name first!

rising_from_the_ashes

Just sticking this here for now ..... so I can find it!

Statement of Affairs and Personal Balance Sheet

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

Monthly Income Details
Monthly income after tax................ 1334
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 1334

Monthly Expense Details
Mortgage................................ 277
Secured/HP loan repayments....... 0
Mobile insurance...................... 6
Estate Maintenance Charge .....11
Council tax............................. 94
Electricity............................. 30
Gas..................................... 40
Insurance - Dog ................. 17.32 Auto-renewal - Nov '13
Insurance - Cats ................. 12.9 Auto-renewal - Nov '13
Telephone (land line)................... 12.49 1/2 price to May '13
Mobile phone............................ 21 Contract to March '14 - cashback claims bring overall cost down to £8.50 / month (these will be going to emergency fund)
TV Licence.............................. 12.12
Satellite/Cable TV...................... 22.5
Internet Services....................... 12.99 1/2 price to May '13
Groceries etc. ......................... 140 Need to work on this!
Clothing................................ 20 New "Others" pot
Petrol/diesel........................... 130 Estimate - new car
Road tax................................ 8.5 Feb '13 - saved
Car Insurance........................... 20 Sept '13 - saved
Car maintenance (including MOT & breakdown cover)...... 25 Service Aug '13, MOT March '14, Breakdown cover = 5 years cover with car - saved
Dog costs ............................. 40
Cat costs .............................. 45
Bank account fee ..................... 6.5 Use benefits available
Window cleaner ..................... 5
Medical (prescriptions, dentist etc).... 20 New "Others" pot
New boiler .......................... 25 Saved
Buildings insurance..................... 10 May '13 - saved
Contents insurance...................... 10 May '13 - saved
Income insurance..................... 23.5 Can't change as redundancy would be excluded
Boiler insurance......................... 12.9 Nov '13
Presents (birthday, christmas etc)...... 10 New "Others" pot
Haircuts................................ 7.5 New "Others" pot
Entertainment........................... 50 This is really my "misc / anything else" fund
Massage ........................... 25
Holiday................................. 20 New "Others" pot
Emergency fund.......................... 25 Saved
Bike insurance.......................... 2 Nov '13
Charity................................. 8.34
Total monthly expenses.................. 1258.56

Assets
Cash.................................... 1000
House value (Gross)..................... 70000
Shares and bonds........................ 0
Car(s).................................. 6700
New boiler fund ....................... 325
Total Assets............................ 78025

Secured & HP Debts
Description....................Debt......Monthly...APR
Mortgage...................... 68000....(277)......2.49
Total secured & HP debts...... 68000.....-.........-

Unsecured Debts
Description....................Debt......Monthly...APR
OD.............................900.......0.........0
Total unsecured debts..........900.......0.........-

Monthly Budget Summary
Total monthly income.................... 1,334
Expenses (including HP & secured debts). 1,258.56
Available for debt repayments........... 75.44
Monthly UNsecured debt repayments....... 0
Amount left after debt repayments....... 75.44

Personal Balance Sheet Summary
Total assets (things you own)........... 78,025
Total HP & Secured debt................. -68,000
Total Unsecured debt.................... -900
Net Assets.............................. 9,125

Created using the SOA calculator at www.stoozing.com.
Reproduced on Moneysavingexpert with permission, using Firefox browser.[/font]

rising_from_the_ashes

slowlyfading wrote: »

you have to think about a snazzy new name first!

Oh lordy .... it's be this time next year then!:rotfl:

mooomin

rising_from_the_ashes wrote: »

Before I can even think of doing it - I'd need a good name for it!:)

With your current mobility issues...."Rising from my sofa"?

rising_from_the_ashes

mooomin wrote: »

With your current mobility issues...."Rising from my sofa"?

:rotfl::rotfl:Cheers mooomin! (you can go off people you know;))


Have come up with a starting list BUT I want the title to be quite positive and that's where I'm struggling!

I like the first one - but need a positive word at the end .....


Rising’s Recovery : Chapter 2 - The ramblings of a *need to think of something*


* choose from ..... foolish woman / impulse buyer / spendaholic / handbag-a-holic / - I could go on!:o





or

Rising’s Ramblings : Chapter 2 - A decade older but apparently none the wiser!

or

Rising’s Ramblings : Chapter 2 - Staying on track and budget!

3 is just boring ....

rising_from_the_ashes

It's gone really dark and horrible outside .... I've just had to put the light on in here!

mooomin

rising_from_the_ashes wrote: »

Have come up with a starting list BUT I want the title to be quite positive and that's where I'm struggling!

I like the first one - but need a positive word at the end .....


Rising’s Recovery : Chapter 2 - The ramblings of a *need to think of something*


* choose from ..... foolish woman / impulse buyer / spendaholic / handbag-a-holic / - I could go on!:o





or

Rising’s Ramblings : Chapter 2 - A decade older but apparently none the wiser!

Number three is a bit dull.

For one and two I think the issue you have is that you're starting on a negative. You're not a foolish woman or a spendaholic. I'm positively spendthrift in comparison to you. You're definitely wiser than you were at the start of your journey too, so number two is no use.

I'm not helpful