Breakfast at epihanies...

dealwithdebtdot

SOA done.

Statement of Affairs and Personal Balance Sheet

Household Information
Number of adults in household........... 1
Number of children in household......... 1
Number of cars owned.................... 0

Monthly Income Details
Monthly income after tax................ 1910
Partners monthly income after tax....... 0
Benefits................................ 81.2
Other income............................ 85
Total monthly income.................... 2076.2

Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 800
Management charge (leasehold property).. 0
Council tax............................. 0
Electricity............................. 50
Gas..................................... 60
Oil..................................... 0
Water rates............................. 33.61
Telephone (land line)................... 20
Mobile phone............................ 20.83
TV Licence.............................. 0
Satellite/Cable TV...................... 0
Internet Services....................... 19
Groceries etc. ......................... 385
Clothing................................ 0
Petrol/diesel........................... 0
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 120
Childcare/nursery....................... 0
Other child related expenses............ 143
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 0
Life assurance ......................... 25.82
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 0
Entertainment........................... 26
Holiday................................. 0
Emergency fund.......................... 0
garden.................................. 15
contatct lens........................... 13
credit expert........................... 7
bank fees............................... 20
Total monthly expenses.................. 1758.26


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

No Secured nor Hire Purchase Debts

Unsecured Debts
Description....................Debt......Monthly...APR
CC1............................500.......17.14.....22.1
CC2............................4800......47.77.....0
OD.............................0.........0.........0
Total unsecured debts..........5300......64.91.....-


Monthly Budget Summary
Total monthly income.................... 2,076.2
Expenses (including HP & secured debts). 1,758.26
Available for debt repayments........... 317.94
Monthly UNsecured debt repayments....... 64.91
Amount left after debt repayments....... 253.03

Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -0
Total Unsecured debt.................... -5,300
Net Assets.............................. -5,300

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

banwa

Hello Dot, well done on posting the SOA. If you can really free up that £250 per month, that debt'll be gone in no time at all

Banwa:)

Knitting_Nora

Hey Dot

Congrats on posting. Did you want thoughts/comments, or are you happy where you're at with it?

Nora.x

dealwithdebtdot

Thoughts and comments always recieved well Nora!

Let now commit to my monthly - general spending intentions.

The main thing is how to manage the food budget and still have some sort of quality of life, and keep to my values.

So I had been, until I went back to uni in October, shopping very cheaply, going to the market and really looking for the best deals. I was really pleased with it in the main, but the fruit and veg from the market were not always good quality and sometimes ended up in the bin. Plus i have some quite strongly held values about sustainable farming and air miles. So whilst I was doing this, and it was working fairly well there was certainly some elements I was finding less than satisfactory. Plus it was like a days work, of utter slog, following a long working week. So I have been thinking about this quite a lot.

I started getting a veg box delivered some time in October, and I really like the ethos of the company, have been playing around with the boxes for a while and now think I have settled on a good selection for me and DD. You guys are going to think it is extravagant I reckon! But I get dead miserable if I don't have good food to eat, and cook, it is thearaputic for me and takes the edge off the fact i hate doing my uni work (this is my 8th year - and it wasn't entered into with a great deal of choice), and the fact I don't have much money to go out.

So the plan is a monthly delivery from Waitrose (yes, I know its expensive, but they deliver free and ethically much sounder than the others, plus substiute goods are much better), basics and heavy/bulky stuff, and fortnightly delivery from Riverford - am going to try out the meat box soon. So riverford will be 'seasons' veg, salad, and fruit boxes, and then in February, a small meat box. This will mean I will only need to pop to the shops for milk, yoghurt, lemons and potatoes (I am very fussy about potatoes). Much less arduous and much more time for study/having a nice time.

So the budget is £350 a month for all....and I want some surplus for a couple of nights out, here goes.

1. waitrose maximum of £100
2. Riverford veg and meat £80.70 x 2

Total = £261.40

Leaves £88.60

I have put a limit on myself for night out to be £25, helped along by my hipflask! So if I go out twice I have £38.60 for bits I need to pick up and maybe a bit towards the CC/Golightly glamour fund.

Now to test out if it works! I had the veg boxes delivered on Thursday, and I have to say the salad we had with tuna fishcakes last night was lush.


Dot

dealwithdebtdot

Oh yeah..am gonna go for 15 NSDs a month, not counting direct debits. But as we are already in, I'm going to commit to 10 for the rest of Janurary.

dealwithdebtdot

Reporting NSD No. 1 yesterday.

Knitting_Nora

dealwithdebtdot wrote: »

Reporting NSD No. 1 yesterday.

:T:T:TYay!!:T:T:T

dealwithdebtdot

Alas not for today!