Risen from the ashes ...

slowlyfading

Oh dear, poor you make sure you have lots of rest and :eek: to 22 tablets! Take care x

rising_from_the_ashes

Thanks all ....... didn't sleep that well

One thing I am missing (never thought I'd miss anything about hospital:o) is the adjustable bed - I'm struggling to lie flat / need to move height a lot (tummy is sore) and being able to move the bed a few inches was fab - ended up with loads of pillows being flung around all over the place .....

Anyway, glad to be home.

Braved looking at my bank account and thankfully there's been enough in the account to cover everything - energy supplier has managed to take the higher figure again (£88 instead of £70) despite being assured it would be sorted for this month - so that's an email to fire off today.

Also need to cancel the cats expensive insurance - should've been done a fortnight ago (once the exclusion period for the new one was up) but couldn't do beforehand - around £10/month saved there :T

rising_from_the_ashes

Never did get around to doing this earlier (should've been a sign I wasn't well!).

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

Monthly Expense Details
Mortgage................................ 276
Secured/HP loan repayments.............. 0
Boiler insurance ....................... 12.90 fingers crossed (see comments below)
Estate maintenance charge .............. 11
Council tax............................. 94
Electricity............................. 35
Gas..................................... 35
Mobile insurance..........................6 Need to hunt around & see if I can better this eta have checked a couple which work out cheaper but it says in the T&Cs that equipment needs to be under 6 months old when policy starts which is pants!
Water rates............................. 0
Telephone (land line)................... 12.49 Pay in advance - due May '13
Mobile phone............................ 21 Cashback brings this down to £8.50/month payable around every 5 months (need to try to put towards emergencies!)
TV Licence.............................. 12.5
Satellite/Cable TV...................... 22.5
Internet Services....................... 6.49 1/2 price to May '13
Groceries etc. ......................... 150
Clothing................................ 25
Petrol/diesel........................... 120 Estimate - new car does lower mpg
Road tax................................ 8.5 New car has higher tax
Car Insurance........................... 20 Due Sept '13
Car maintenance (including MOT)......... 35 Service due March '13
Dog insurance .......................... 23.5 Need to look at changing to cheaper policy
Cats insurance ......................... 13 Just changed & saved around £10/month
Dog costs .............................. 50
Cat costs .............................. 50
Medical (prescriptions, dentist etc).... 20
Window cleaner ......................... 6.5
Buildings insurance..................... 10 Due May '13
Contents insurance...................... 10 Due May '13
Income protection insurance ............ 23.5 Stuck with this as already redundancies where I work so can't start new policy
Bank account fee......................... 6.5
Presents (birthday, christmas etc)...... 10
Haircuts................................ 8.5
Entertainment / anything else........... 50
Holiday................................. 10
Emergency fund.......................... 25
Charity................................. 8.5
Total monthly expenses.................. 1228.38


Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 7000
Other assets............................ 0
Total Assets............................ 7000


Secured & HP Debts
Description....................Debt......Monthly...APR
Mortgage...................... 0........(276)......0
Total secured & HP debts...... 0.........-.........-

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


Monthly Budget Summary
Total monthly income.................... 1,325
Expenses (including HP & secured debts). 1228.38
Available for debt repayments........... 96.62
Monthly UNsecured debt repayments....... 0
Amount left after debt repayments....... 96.62

Personal Balance Sheet Summary
Total assets (things you own)........... 7,000
Total HP & Secured debt................. -0
Total Unsecured debt.................... -0
Net Assets.............................. 7,000

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

Boiler insurance has now expired :eek::eek::eek: which has saved £19 / month - however, I really need to stick this away somewhere as a) it will need serviced before the end of the year and b) in case it breaks down. :eek::eek::eek: Hopefully sorted ..... see below

Glad I managed to pay the car insurance in full when I changed the car (with a bit of juggling within the car pot) as it'll make a big difference putting the putting £20 aside each month without having to pay the current year by d/debit too!

rising_from_the_ashes

rising_from_the_ashes wrote: »

Boiler insurance has now expired :eek::eek::eek: which has saved £19 / month - however, I really need to stick this away somewhere as a) it will need serviced before the end of the year and b) in case it breaks down. :eek::eek::eek:

Keep your fingers crossed ..... have managed to find someone who covers older boilers - and it costs less than I was paying :T @ £12.90 / month.

Need to have an inspection done to check they can still get the parts for the boiler which has been booked in for next week (might as well get it done while I'm off if I can!).

Suffolk_lass

Wow, the smoking money soon mounts up doesn't it? - it really brings it home how expensive it is - that's a big lump out of your monthly budget and I'd venture to suggest you could do better with that money than burning it...:rotfl::silenced:;)

SL

rising_from_the_ashes

Ohhhh it does SL - I was actually at the lower end of the scale on cig spending as I hand rolled them and worked it out at about £2.50 / day (and prob one of the reasons I kept justifying it to myself that it wasn't that expensive) - if you think the equivalent proper cigs would be around £7 /day :eek::eek:.

Will keep track of the costs in my sig I think - they were always bought weekly on the cc (paid each month) so hopefully should start to see a bit of a difference when the next bill arrives (and a difference in the bank balance as I never really had the costs deducted in the SOA)

Might stick the amount away each month and see how it mounts up!:)

slowlyfading

It's all looking good and you know what's happening with everything which is a very good sign and good luck with quitting smoking - it'll save you money and make you feel better, what's not to like there?

rising_from_the_ashes

OK ..... so up at silly o'clock again (4:30am ) but did manage to sleep a bit better last night :T

Have made a total t*ts up of the budgets the last couple of months - partly down to taking my eye off the ball (should really know better by now :mad:) and partly down to changing the car unexpectedly and the extra costs that brought.

BUT how to sort it out ..... ended up doing some serious pot raiding to try to stem the level of the OD - very short term solution tho' as now not really going to be enough in them to pay things when they're due and feeling very uncomfortable about that. (Owe House & car fund £150, Pets £100 and Others £100 = Total of £350:eek:)

Not sure whether to just whallop it all back onto the OD and pay off as I can ..... *sigh* why is budgeting still so bloomin' hard?

On a positive - discovered that my pet insurance had been collecting the d/debit for the old cancelled policy as well as the new one so £60 refunded to account :T (but really just swallowed up by OD:()

Need to get a grip ....... new spending diary starting on 1st Nov (again:o) and really need to keep track of every single £ ....... every penny's a prisoner & all that - sure there's a thread about that somewhere .... off for a hunt.

rising_from_the_ashes

OK - decided I need to do some stock taking in the house ..... I am a hoarder (everything) and do bulk buy when stuff is on good offers to try to offset costs (and works well when you're not struggling & can afford to but not good if you're in debt and adding to it IYKWIM).

So - have loads of toiletries / cleaning stuff etc so will stock take all these & stick the list somewhere so I'm not tempted to buy more just now when things are tight & need sorting out

rising_from_the_ashes

mmmmm as expected I have quite a lot of these ....... got my favourite Imperial Leather Japanese bath & shower stuff a couple of months ago when it was B1G2F at the Co*op and still have loads left:).

Stuff listed below is new in cupboard & doesn't incl stuff in use bathrooms:o:

• Bubble bath: Imperial Leather x 6, muscle soak x 1, salts x 1
• Shower gel: Imperial Leather x 8, cheap stuff x 6
• Air freshner x 3
• Handwash: 500ml x 2
• Shampoo/Conditioner 2 in 1 x 3
• Shampoo x 3
• Conditioner x 3
• Tissues: boxes x 5, handbag packs (10) x 3
• Deodorant x 5
• Face cloths: Olay x 4, daily wipes x 3
• Toothpaste x 2
• Razors - loads!
• Sanitary products - loads!
• Toothbrush heads x 4
• Toilet cleaner - new one in each bathroom
• Loo rolls: 18 pack x 2 + 12

Need:
Handwash - one in kitchen is nearly finished
Moisturiser - several bottles / tubs nearly finished so need to use these up & hunt around for some new stuff (skin is awful after being in hospital - not sure if it's the lack of fresh air whilst in there?)