Third time lucky

natlie

Children are bonkers! my DD has called me to say she has left her PE kit at the bus stop! she has already lost her coat and cardigan and its the first term of her first year.

Xandersmum

Husbands are just as bad - I let mine get Xan ready for nursery today, only when we were halfway there when I noticed he'd put his best trainers on him. He walks with crutches and crawls everywhere, and if he goes outside he can go through the toes on trainers in about 10 mins, so had to go back and get his heavy duty boots. Made it by the skin of our teeth, rowing the whole way there about how stupid he is!!

kiss_me_now9

Hi! Just thought I'd pop in to say I'm also a Natalie in Wales. Looking forward to reading your diary, looks like you're making a great start x

natlie

Yay have found my stash of emergency presents 2 big boxes of smellies that can be divided into about 6 gifts, 2 posh reed diffusers, a purse,a box of posh choccies, handbag, a couple of l'occitane gift sets and a keyboard for DD2 we bought it for her last yr then my parents bought one for her. I did Tesco voucher exchange and got 3 pressies for DD2 and got her a winter coat from ebay both saved me £70 and gave DD1 a recycled coat of mine - shes a big girl for her age size 10, 5 ft 4 shes 11 yrs old. Got over £40 coming from quidco this month - its going on barclaycard.

natlie

Just did my soa it seems I have a lot left over? not at the moment though as income is £900 maternity pay - I must waste loadsa money :eek: I know the haircuts and presents are high:undecided I could possibly get my hair done cheaper - I only do it twice a year. I have cut presents a lot already! I have to pay parking at work, its actually a condition of employment now :mad: I suppose it secures peoples jobs. We have 2 cars I need OH to do the school run as I work fulltime we did do 1 car free for 5 months this year and it was hard!

Groceries is an estimate as not sure what OH spends here and there - I only spent £90 last month

Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 2
Number of children in household......... 3
Number of cars owned.................... 2
Monthly Income Details
Monthly income after tax................ 1879
Partners monthly income after tax....... 260
Benefits................................ 500
Other income............................ 0
Total monthly income.................... 2639
Monthly Expense Details
Mortgage................................ 513
Secured/HP loan repayments.............. 0
Rent.................................... 0
Management charge (leasehold property).. 5.83
Council tax............................. 80
Electricity............................. 50
Gas..................................... 50
Oil..................................... 0
Water rates............................. 50
Telephone (land line)................... 11
Mobile phone............................ 35
TV Licence.............................. 12
Satellite/Cable TV...................... 0
Internet Services....................... 25
Groceries etc. ......................... 200
Clothing................................ 10
Petrol/diesel........................... 75
Road tax................................ 20
Car Insurance........................... 56
Car maintenance (including MOT)......... 10
Car parking............................. 16.5
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 0
Buildings insurance..................... 12
Contents insurance...................... 8
Life assurance ......................... 14
Other insurance......................... 0
Presents (birthday, christmas etc)...... 70
Haircuts................................ 25
Entertainment........................... 5
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 1353.33

Assets
Cash.................................... 200
House value (Gross)..................... 110000
Shares and bonds........................ 0
Car(s).................................. 7000
Other assets............................ 0
Total Assets............................ 117200

Secured & HP Debts
Description....................Debt......Monthly...APR
Mortgage...................... 61000....(513)......5.9
Total secured & HP debts...... 61000.....-.........-
Unsecured Debts
Description....................Debt......Monthly...APR
loan...........................9000......255.......8
barclaycard....................165.......30........27
mint...........................500.......75........19.1
barclays od....................2500......0.........8
abbey..........................2500......54........21
Total unsecured debts..........14665.....414.......-

Monthly Budget Summary
Total monthly income.................... 2,639
Expenses (including HP & secured debts). 1,353.33
Available for debt repayments........... 1,285.67
Monthly UNsecured debt repayments....... 414
Amount left after debt repayments....... 871.67
Personal Balance Sheet Summary
Total assets (things you own)........... 117,200
Total HP & Secured debt................. -61,000
Total Unsecured debt.................... -14,665
Net Assets.............................. 41,535
Created using the SOA calculator at www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission, using IE browser.

natlie

More bargains today in Mr T Stir fry for tea 75p, croissants 8p, brioch rolls 16p, bread 11p, pitta 9p, bananas 50p, new pots 68p I never realised I could live out of the reduced section lol I was very shocked at the price of milk today I always buy organic it is usually £1.55 for 4 pints - today £1.69

natlie

Checked the bank today £3.69 boo. My daughters smashed my kitchen scles and my cake stand on the weekend both silly accidents very annoying! Called tax credits today to update my payments as I am on mat leave I can reduce my income by £100 a week - might mean a bit more money. put 16 items on ebay yesterday no interest yet.

Lemon_Tree

good luck with ebay you've still got time for some interest to be generated, sorry to hear your DD broke some kitchen things though over the weekend.

natlie

Had a lovely day out with mum yesterday - she bought me lunch yum and baby behaved himself, she gave me a pack of organic stewing steak so thats on the stove in ale and should make 4 pies for OH:T. In the evening we had DD1 best friend and dad over here as they had fallen out and DD1 hadnt told us, wasn't good! :mad:

Good day so far today - credit score has gone up 3 points as barclaycard late payment 6 yrs ago has now gone hooray:j. Credit score still poor though. I only spent £65 on gas last quarter so getting £133 back :T hoping elec is in credit too.
Saw an idea on frugal thread for gifts in a jar got DD1 a kilo of mixed buttons and some elastic cord for xmas for £5 on ebay so she can make button jewellery

Lemon_Tree

button jewellery sounds fab! my sister did cakes in a jar a couple of years ago and they were a fab idea, all you had to do was add marg and eggs.
glad you had a lovely day with your mum