Risen from the ashes ...

badger_

I'm sure I replied to this last night!?! I was on my phone though so who knows where it went!!

Hope you're feeling better soon, it sounds like you've got some sort of bug/virus x

wannabee_in_credit

Get well soon rising... I'm with you - I have conjunctivitis and a throat infection and I can barely do anything. I hate being ill.
Love to you
x

Hovel_lady

Get well soon rising and wannabee xx

rising_from_the_ashes

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................ 1324 No overtime available
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 1324

Monthly Expense Details
Mortgage................................ 276
Secured/HP loan repayments.............. 0
Rent.................................... 0
Estate maintenance charge .............. 11
Council tax............................. 94 Paid over 12 months
Electricity............................. 30 Year up at 1st Aug: payment = usage:j
Gas..................................... 34 As for Elec
Oil..................................... 0
Water rates............................. 0
Telephone (land line)................... 12.99 £9.49 / month is advance line rental payment, saving £3.50 / month which pays for anytime calls @ £3.49
Mobile phone............................ 21 Cashback deal brings this down to £8.50 / month real cost
TV Licence.............................. 12.5
Satellite/Cable TV...................... 21.5
Internet Services....................... 6.49 1/2 price for 12 months (ends May)
Groceries etc. ......................... 140 Struggling with this
Clothing................................ 20
Petrol/diesel........................... 100
Car maintenance incl breakdown cover ... 40
Car Insurance & road tax ............... 25 Currently paying this years' monthly & putting same away to renew in full (Dec)
Dog walker ............................. 45
Insurance - cats ...................... 18.75
Insurance - dog ......................... 25
Cats .................................... 50
Dog ..................................... 40
Medical (prescriptions, dentist etc)..... 10
Window cleaner ........................... 5
Buildings insurance...................... 10
Contents insurance.......................10
Income protection insurance ............23
Boiler insurance......................... 18.75 Will end in Oct as boiler too old:eek:
Presents (birthday, christmas etc)...... 10
Haircuts................................ 5
Entertainment........................... 50
Holiday................................. 10
Emergency fund.......................... 25
Total monthly expenses.................. 1200.98


Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 4700
Other assets............................ 0
Total Assets............................ 4700


Secured & HP Debts
Description....................Debt......Monthly...APR
Mortgage...................... 70000....(276)......NaN
Total secured & HP debts...... 70000.....-.........-

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


Monthly Budget Summary
Total monthly income.................... 1,324
Expenses (including HP & secured debts). 1,155.98
Available for debt repayments........... 168.02
Monthly UNsecured debt repayments....... 0
Amount left after debt repayments....... 168.02

Personal Balance Sheet Summary
Total assets (things you own)........... 4,700
Total HP & Secured debt................. -70,000
Total Unsecured debt.................... -0
Net Assets.............................. -65,300

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

rising_from_the_ashes

wannabee_in_credit wrote: »

Get well soon rising... I'm with you - I have conjunctivitis and a throat infection and I can barely do anything. I hate being ill.
Love to you
x

Awwwww hun - know how that feels as my get it when my hayfever's really bad (thank goodness July is over!) - get well soon too (((hugs)))

Hovel_lady wrote: »

Get well soon rising and wannabee xx

Awwwww love that Hovel Lady

rising_from_the_ashes

Well, I am feeling slightly better today - still had a marathon nose blow for around 2 hours :eek: when I woke up but thankfully it seems to have tailed off to around every 15 mins or so now :rotfl:

Have done a new SOA ...... will have an in depth analysis later:rotfl: (doing it has wiped me out again & need another snooze:o) - something is going wrong tho' as certainly don't have £168 left..... £25 is the extra I'm putting away to renew the car insurance in full & £25 going into a savings account but don't have £118 either :eek:

rising_from_the_ashes

*found* where another £25 goes ...... my massage - I have a dilemma about this every so often:

It's expensive (even with staff discount) on a monthly basis but it really helps with my back ......... I usually go every 4 weeks but have been trying to eeeeekkkkk it out to 6 weeks which lowers the cost a bit - and I've also missed 2 visits recently (on hols) so it's not as much as I budget for (£300 = 12 visits / year) mmmmmmmm

So, that's me down to missing £93 *sigh*

wannabee_in_credit

I think if your massage helps then really you should do it. We all need a bit of a treat every now and again, and this is a treat that really helps you too.
I bought a book today at the supermarket, £7.49 on half price. Felt incredibly guilty but it's the first non wedding thing I've bought for me since June so about time really. We all need something now and again.
xxx

beanielou

I wouldent even see the massage as a treat.
You need to have it for health reasons.
End of.

Mort

rising_from_the_ashes wrote: »

*found* where another £25 goes ...... my massage - I have a dilemma about this every so often:

It's expensive (even with staff discount) on a monthly basis but it really helps with my back

A massage is something a fit/well person has for pleasure. What you have described is physiotherapy, totally different.