A Thread for After Debt?

samtoby

QueenB. Welcome back xxxxx

QueenB.

well I have just caught up on this thread:j took me quite a while but its been great to see all your news.

JG great news about the house:T

Rising wonderful news about your new family member she sounds like a bundle of life.:)

Samtoby sorry to hear about your job but your attitude to your money and life mean that I know you will get through it in a positive way:)

BIB horrible news about the car:(

hello and welcome to everyone else, must have lunch but already starting to feel a bit better after just popping on here and reading some posts.

samtoby

Thank you QueenB. I am temping at the moment hope something comes up soon x

LianneH

hey QueenB welcome back!

Ive been struggling to be MSE these past few weeks due to the tiredness of this pregnancy. I feel like I've taken my eye off the detail and taking the easy options like with the supermarket shopping and since I'm off this week I have spent far too much on DD's wardrobe!

"confessing" on here helps!

Li x

SOT2011

Hi All,

Hugs and waves all round

I'm really busy with OU work, I've over-committed a bit I think and it will be a couple of months before it eases off, the two short courses end at the end of July at the latest, sooner if I can get them done earlier, but then it settles down to just the one 30 point course and I should be more like normal.

Money wise I've so much study the spends are taking a back seat for now, so hopefully I will not be too far off track when I get the chance to get properly back on the straight and narrow when time allows. I'll still be lurking, but probably not posting much as I really do have to knuckle down for a while.

SOT x

QueenB.

LianneH It was good to hear that your tests showed nothing to worry about. Confessing does help and its easy to let things slid alittle especially when health is involved. The last few months i have slipped up all over the place, sometimes because of unexpected costs or being unprepared and sometimes just because it seemed easier:o Staying Df is a long journey with plenty of bumps but at least we are travelling it and with lots of others who understand:)

samtoby

SOT - I have always wanted to do a degree. But I can't really justify it at the moment.

Staying debt free is very difficult. It is a continual journey and it is hard to slip. Well I find it hard. x

LianneH

thanks Queen B!

would anyone mind if I posted my expenditure side of my SOA? I'm trying to do a new budget for my maternity leave so want you all to pick over and see if there is anything obvious that I am either missing or paying too much for?

if you would all prefer I can post on the main boards, its just that I feel being DF some folk on the DFW boards might think I'm being a bit arrogant or something!

Li x

samtoby

Go ahead

LianneH

Here goes!

Hope everyone else doesnt mind!

Really I am hoping you can all have a pick over and see if I am missing anything or are clearly spending too much on something!

The costs I have ** mean I currently pay annually by cash back credit card.

Christmas / clothes / haircuts / holidays and other "nice" stuff will come from the savings I have been accumulating before my mat leave begins.

Oh I'm a wee bit nervous, more nervous than when I was in debt!! lol :rotfl:

Statement of Affairs and Personal Balance Sheet

Household Information
Number of adults in household........... 2
Number of children in household......... 2
Number of cars owned.................... 2

Monthly Expense Details
Mortgage................................ 485.8
Management charge (leasehold property).. 5 **
Council tax............................. 196
Electricity............................. 33
Gas..................................... 52
Mobile phone............................ 65
TV Licence.............................. 11.2 **
Satellite/Cable TV/phone & broadband...................... 54
Groceries etc. ......................... 280
Clothing................................ 0
Petrol/diesel........................... 175
Road tax................................ 20.1 **
Car Insurance........................... 66.8 **
Car maintenance (including MOT)......... 38.4 **
Other child related expenses............ 30
Pet insurance/vet bills................. 38.9 **
Buildings & contents insurance....................16.2**
Life assurance ......................... 16.14
Other insurance gas heating......................... 18.14
Presents (birthday, christmas etc)...... 0
Haircuts................................ 0
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 0
professional subscriptions.............. 21.9 **
pocket money DH and me.................. 75
short term savings (bal of whats left!). 20
window cleaner.......................... 8
Dog walker.............................. 70
Total monthly expenses.................. 1796.58


thanks!! Li x