Risen from the ashes ...

mooomin

Knitting_Nora wrote: »

Sounds a little scary - does Fred know?! Should we be advising someone??

To pootle - to drive in a leisurely fashion

Fred is my wee Fiat 500

Knitting_Nora

flying_fresian wrote: »

To pootle - to drive in a leisurely fashion

Fred is my wee Fiat 500

Ahhh, a Fiat 500! How fab! Nope, not at all jealous, nosireebob! Now I can see why pootle was just the perfect word.... happy pootling!

mooomin

Knitting_Nora wrote: »

Ahhh, a Fiat 500! How fab! Nope, not at all jealous, nosireebob! Now I can see why pootle was just the perfect word.... happy pootling!

He's the best car in the world. He has go faster stripes and everything

Even better, he's nearly paid off

rising_from_the_ashes

I'm quite taken with Fred (don't tell Dinky though as I'd hate to upset her;)) ..... looks promising outside Fresian:D

Knitting_Nora

flying_fresian wrote: »

He's the best car in the world. He has go faster stripes and everything

Even better, he's nearly paid off

Ok, now you have me dribbling!!

In fairness, the Peril (my purple Fiesta) also has stripes right now...but that generally means she needs a good clean!

Congrats on having Fred nearly paid off - that's huge!

rising_from_the_ashes

Morning Nora had a look at your new website a couple of days ago (:o but forgot to say in your diary:o) - looks fab:T:T & wishing you all the best with your new venture!

Knitting_Nora

rising_from_the_ashes wrote: »

Morning Nora had a look at your new website a couple of days ago (:o but forgot to say in your diary:o) - looks fab:T:T & wishing you all the best with your new venture!

ooo, thank you Rising *blushes*

rising_from_the_ashes

I try to re-look at this every 3 months or so, or if I've made significant changes to it...... landline charges were getting out of hand (£23.50/month) so I've found a new deal by paying in advance for the year (£129), incl daytime calls (which was why my bill's been increasing) and £13/month for broadband.

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................ 1325
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 1325

Monthly Expense Details
Mortgage................................ 277
Secured/HP loan repayments.............. 0
Rent.................................... 0
Management charge (leasehold property) .. 11 Estate maintenance charge
Council tax............................. 94 over 12 months (incl discount)
Electricity............................. 30
Gas..................................... 34
Oil..................................... 0
Water rates............................. 0
Telephone (land line)................... 12 will be saved to pay for next year
Mobile phone............................ 21 Cashback every few months brings this down to the equivalent of £8.50 / month - however, planning to put these payments into the new boiler fund
TV Licence.............................. 12.12
Satellite/Cable TV...................... 21.5
Internet Services....................... 13
Groceries etc. ......................... 140 high due to dietary requirements
Clothing................................ 20
Petrol/diesel........................... 85
Road tax................................ 2.5
Car Insurance........................... 21.5
Car maintenance (including MOT)......... 35
[STRIKE]Car parking[/STRIKE]............................. 3.20 Breakdown cover
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 10
Pet insurance/vet bills................. 18.75
Buildings insurance..................... 7.5
Contents insurance...................... 7.5
[STRIKE]Life assurance [/STRIKE].................. 18.75 Boiler insurance
Other insurance......................... 22 Income protection
Presents (birthday, christmas etc)...... 10
Haircuts................................ 8.5
Entertainment........................... 20
Holiday................................. 10
Emergency fund.......................... 25 Boiler replacement fund
Emergency Fund.......................... 50
Pet costs............................... 100
Total monthly expenses.................. 1140.82


Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 6000
Other assets............................ 0
Total Assets............................ 6000

Secured & HP Debts
Description....................Debt......Monthly...APR
Mortgage...................... 70000....(277)......2.6
Total secured & HP debts...... 70000.....-.........-

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

Monthly Budget Summary
Total monthly income.................... 1,325
Expenses (including HP & secured debts). 1,140.82
Available for debt repayments........... 184.18
Monthly UNsecured debt repayments....... 0
Amount left after debt repayments....... 184.18

Personal Balance Sheet Summary
Total assets (things you own)........... 6,000
Total HP & Secured debt................. -70,000
Total Unsecured debt.................... -0
Net Assets.............................. -64,000

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

mmmmm still room for improvement - never have £180+ left - although I am making bigger payments to the pots atm to try to get ahead ..... not good that my net worth is -£64k though!

rising_from_the_ashes

OK .... I'm a bit down (birthday blues I think:o) so need to resist the temptations of online shopping .....:eek:

Have declared a NSD for the day so can't buy anything now!:rotfl:

rising_from_the_ashes

Just off phone to bank to close the, now redundant, savings pots :eek:

Hope I've done the right thing ..... panicking now!:o

Sure it will be OK - I've been budgeting properly for around 6 months (ohhhhh that's a bit of a confession:o) and haven't raided and couldn't have a pot for every budget so ....... fingers crossed!:)

Ohhh, I almost feel like a grown up!;)