Starting again, with a positve attitude this time ..

Hiddenidenity

Cherryjack wrote: »

well done on your ebay listings :-) ive been at hospital today for baby scan.. so just catching up keep up the good work

Thank you I did it eventually :rotfl:

Hope everything went well at the scan xx

Hiddenidenity

Ok been playing with my SOA, the one above is from now until Feb.

Febuary & March looks like this

Statement of Affairs and Personal Balance Sheet

Monthly Income Details
Monthly income after tax................ 0
Partners monthly income after tax....... 0
Benefits................................ 844.08
Other income............................ 0
Total monthly income.................... 844.08

Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 500 No arrears now
Management charge (leasehold property).. 0
Council tax............................. 0
Electricity............................. 30
Gas..................................... 20
Oil..................................... 0
Water rates............................. 140
Telephone (land line)................... 0
Mobile phone............................ 0
TV Licence.............................. 12.2
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 50
Clothing................................ 0
Petrol/diesel........................... 0
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 32
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 0
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 0
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 784.2


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
Friend.........................290.......50........0
Total unsecured debts..........290.......50........-


Monthly Budget Summary
Total monthly income.................... 844.08
Expenses (including HP & secured debts). 784.2
Available for debt repayments........... 59.88
Monthly UNsecured debt repayments....... 50
Amount left after debt repayments....... 9.88

Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -0
Total Unsecured debt.................... -290
Net Assets.............................. -290

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

Hiddenidenity

Then April gets so much better and looks like this

Statement of Affairs and Personal Balance Sheet

Monthly Income Details
Monthly income after tax................ 0
Partners monthly income after tax....... 0
Benefits................................ 1074.08 Whooo fines paid off
Other income............................ 0
Total monthly income.................... 1074.08

Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 500 no arrears
Management charge (leasehold property).. 0
Council tax............................. 0
Electricity............................. 30
Gas..................................... 20
Oil..................................... 0
Water rates............................. 44 no court order
Telephone (land line)................... 0
Mobile phone............................ 0
TV Licence.............................. 12.2
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 80
Clothing................................ 0
Petrol/diesel........................... 0
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 32
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 0
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 0
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 718.2


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
Friend.........................190.......190.......0
Total unsecured debts..........190.......190.......- Paid off


Monthly Budget Summary
Total monthly income.................... 1,074.08
Expenses (including HP & secured debts). 718.2
Available for debt repayments........... 355.88
Monthly UNsecured debt repayments....... 190
Amount left after debt repayments....... 165.88

Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -0
Total Unsecured debt.................... -190
Net Assets.............................. -190

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

angela110660

Morning and just had a read of your thread and wish you well - must be very hard going for you especially no gas heating on with 2 little ones - don't know how you do it. Just one thing from your SOA that I noticed - your water bill is really high for a monthly charge is that correct?

Trust me - saw your April SOA comment - you must be catching up from previous times so sorry for asking the question.

Hiddenidenity

angela110660 wrote: »

Morning and just had a read of your thread and wish you well - must be very hard going for you especially no gas heating on with 2 little ones - don't know how you do it. Just one thing from your SOA that I noticed - your water bill is really high for a monthly charge is that correct?

Yer its not easy we get by as long as i dont get sick we will be fine

My waters that high becuase it went to court and im paying a court order for ALOT of arrears the ex left me with :cool:

Hiddenidenity

Ok lots done this morning, I need to finish cleaning the bedroom floors and the bathroom tiles and all is done for me for today . Not going anywhere today so NSD here number 8 for this month Ebay has a lot of watchers now and 2 bids on 1 item only £1.04 but hey better than nothing :rotfl:

We have snow today it is soooo cold we have the cooker on to warm the place up Hospital dont think they can see me now till Wednesday, good for me it means I can have a lift from mum rather than walk the 5 mile there and back with 2 little ones :cool:

Hiddenidenity

Grrrr Ds decided to draw on his bedding again :mad: Hand washing bedding 3 times already this week is NOT fun :cool:

Anyway Ebay bids up to £11.03 now :j

Nearly time to cook the kids tea bath and bed time I am counting the minutes to bed time today :rotfl:

BlushingRose

Hiya, I'm enjoying your diary, perhaps I should start one too.

May I ask an eBay question>
In the past I've sold a few items but that was more to get rid of them and less to make money (!) so when you get a sale, it goes into your paypal account, yes? Is there a way to get it from your paypal and into your bank account? (I've usually just left it thee and spent it on something else via ebay you see)

quintwins

BlushingRose wrote: »

Hiya, I'm enjoying your diary, perhaps I should start one too.

May I ask an eBay question>
In the past I've sold a few items but that was more to get rid of them and less to make money (!) so when you get a sale, it goes into your paypal account, yes? Is there a way to get it from your paypal and into your bank account? (I've usually just left it thee and spent it on something else via ebay you see)

hi sazi :wave: do u ever think you over do it lol

blushingrose you can add a bank to your paypal and transfer it out, it takes 3-5 working days or you can pay extra for the next day, alot of shops take paypal now like approved foods, superdrug and boots if you wanted to spend it on something sensible tho :money:

Hiddenidenity

BlushingRose wrote: »

Hiya, I'm enjoying your diary, perhaps I should start one too.

May I ask an eBay question>
In the past I've sold a few items but that was more to get rid of them and less to make money (!) so when you get a sale, it goes into your paypal account, yes? Is there a way to get it from your paypal and into your bank account? (I've usually just left it thee and spent it on something else via ebay you see)

Thank you for reading xx

Quintwins has already answered your question :rotfl: Im too slow at replying x