Living for the Present...after all who doesn't love a gift!

KissyKissyKaren41

Hiyas regarding the frontage conversation lol, girls have you had a look at crazyclearance they are the off season sell off site of simply be, marisota etc and they do sizes right upto k etc, its a bit of pot luck whats in and when but they update every thursday, I know most of the clothes are larger sizes but bosoms are bosoms and need supporting lol have a nice weekend x

gargrave50

I'm with you - Bravissimo is the only place I can get suitable scaffolding for my ahem frontage. (o) (o):o

Fantastic bargain with the 3 bra's! You have inspired me to go and have a peek for my size.

Bad news about the car, I trust your hubby is battering down their door as we speak?

PinotGrigio41

Still on the frontage conversation, a friend of mine decided to have hers reduced , as she was suffering terribly, so as much as I do envy you, I pity you also especially as Im sure it must be pretty uncomfortable and expensive. I also end up paying far too much for my liking as I end up with Ultimo, not for support but just to pretend theres something worth looking at, although I have noticed recently Primarche have started to do some very similar , not as comfy but they do the job more cheaply ! They are also a bit prettier as I was also getting stuck with boring plain black , white or nudey, but having had a trip to Primarche today they have some prettier colours now int he Wow Bra department as DD2 calls it !! . Sadly spends today were for DD2 as off on her schooltrip to Isle of Wight on Monday and she needed a few bits, so no Wow bras for me !!.

Anyway now I have exhausted the boobage convo, I hope you managed to make it to the carnival, this afternoon actually turned out quite nice here although pretty windy xxx

debtfreewannabe321

KissyKissyKaren41 wrote: »

Hiyas regarding the frontage conversation lol, girls have you had a look at crazyclearance they are the off season sell off site of simply be, marisota etc and they do sizes right upto k etc, its a bit of pot luck whats in and when but they update every thursday, I know most of the clothes are larger sizes but bosoms are bosoms and need supporting lol have a nice weekend x

:T:T thanks Karen! I've never come across that site before -it's now saved in my fav pages for next time i need some (the way i go with them probably another 2-3 months! They seem to disintegrate in my washing machine lol) :A

gargrave50 wrote: »

I'm with you - Bravissimo is the only place I can get suitable scaffolding for my ahem frontage. (o) (o):o

Fantastic bargain with the 3 bra's! You have inspired me to go and have a peek for my size.

Bad news about the car, I trust your hubby is battering down their door as we speak?

Hubby never batters doors down....he leaves that for me to do :rotfl::D he tried the gently, softly softly does it approach- which worked! :T They are sending another part out :beer:

However if this does not work, i will be the one to contact them next time and i don't like the 'softly, softly, does it' approach esp when i've been in the sweltering heat for an hour waiting on the RAC

PinotGrigio41 wrote: »

Still on the frontage conversation, a friend of mine decided to have hers reduced , as she was suffering terribly, so as much as I do envy you, I pity you also especially as Im sure it must be pretty uncomfortable and expensive. I also end up paying far too much for my liking as I end up with Ultimo, not for support but just to pretend theres something worth looking at, although I have noticed recently Primarche have started to do some very similar , not as comfy but they do the job more cheaply ! They are also a bit prettier as I was also getting stuck with boring plain black , white or nudey, but having had a trip to Primarche today they have some prettier colours now int he Wow Bra department as DD2 calls it !! . Sadly spends today were for DD2 as off on her schooltrip to Isle of Wight on Monday and she needed a few bits, so no Wow bras for me !!.

Anyway now I have exhausted the boobage convo, I hope you managed to make it to the carnival, this afternoon actually turned out quite nice here although pretty windy xxx

Haha I was told they did 'larger' sizes in primarni so i rushed over there to find by larger they went up to a DD+ (couldn't find any larger than a dd+ though !) So sadly no joy there for me either :rotfl: Most of my underwear is plain, boring and goes under clothes nicely rather than a whole rainbow of colours and who cares if you can see the neon pink under my white top type thing! So i def envy you smaller chested girls on the fact you can buy whatever the heck you like and it will fit :T Think your friend had the right idea about reduction! No wonder i've always got a bad back & neck :eek::rotfl:

debtfreewannabe321

Morning (just)

Well like Pinot said the weather cleared up so we went to the carnival :T They had lots going on so we had a wander around stalls in the park. I had a budget of £30 and that was to get DD some shoes with as well. We found her some nice shoes in h&m that fitted really well (she's got chubby feet still :rotfl:) so we got those, and also some sunglasses for me - ds2 broke my last pair! So that came to £7.50 or thereabouts. Then we had some cakes from a cake stall & drinks- £10. I also picked up a few presents in tkmaxx but i have transferred the money from the gift fund to cover this so didn't count in my £30 budget. We paid for face painting (£3!) & mcdonalds for the kids as by the time the carnival ended it was an hour past their dinnertime. So all money spent nearly :rotfl: but we still came in on budget so was very happy with that

Today dh has taken kids & puppy out for a walk to a friends house as there is a little birthday boy there and we had some pressies for him (out of birthday box so no cost this month).

Lasagne for dinner which dh is cooking

Have balanced the spreadsheets and hopefully we will only need maybe £10-20 of food next week which is all the fresh stuff, so hoping we have some money to take to ds1 school next friday so we can treat him to a meal afterwards :T He's worked hard all year so we like to take him for a pizza or burger ......at the moment funds will only stretch to a sausage roll from greggs :rotfl:

Today will be my first NSD of the month too :T:j

Ok off to catch up on some diaries & song pop on facebook....i'm addicted!! :rotfl:

debtfreewannabe321

I've had a productive hour or so :T have drawn up a tenancy agreement to post off tomorrow :j. Didn't cost me a penny :T so saves me the £80+ i was going to pay someone to do it :j

They look as good as any i've paid for so am hoping they will do the trick in the case of needing to take them to court (never had to yet but worst case scenario and all that!)

Will send recorded post tomorrow so should be there Tuesday. I've also asked for the £250 to be paid by Friday at the latest- as a holding deposit.

On another note DH said the tax credits will def be paid to us this month, it will be end of July they will let us know if we owe anything back to them.

Hope everyone is having a great day!

debtfreewannabe321

signatures all up to date to account debt payment in morning, nsd's and savings.

Emergency funds extra low due to buying washing machine but never mind will get it back up there

xx

debtfreewannabe321

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.................... 1

Monthly Income Details
Monthly income after tax................ 1570
Partners monthly income after tax....... 0
Benefits................................ 188.4
Other income............................ 129.77
Total monthly income.................... 1888.17

Monthly Expense Details
Mortgage................................ 217.3
Secured/HP loan repayments.............. 0
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax............................. 0
Electricity............................. 40
Gas..................................... 31
Oil..................................... 0
Water rates............................. 0
Telephone (land line)................... 25
Mobile phone............................ 50
TV Licence.............................. 12.12
Satellite/Cable TV...................... 16.5
Internet Services....................... 0
Groceries etc. ......................... 300
Clothing................................ 50
Petrol/diesel........................... 200
Road tax................................ 25
Car Insurance........................... 40
Car maintenance (including MOT)......... 30
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 5
Pet insurance/vet bills................. 7.75
Buildings insurance..................... 0
Contents insurance...................... 0
Life assurance ......................... 45
Other insurance......................... 0
Presents (birthday, christmas etc)...... 65
Haircuts................................ 0
Entertainment........................... 60
Holiday................................. 0
Emergency fund.......................... 100
2 AXA policies due to mature 2014....... 40
Savings Fund............................ 50
Landlord Insurance...................... 10
Dog Food/ Vets.......................... 40
Prescriptions........................... 10.4
School Fees/Uniform/Music lessons....... 160
Total monthly expenses.................. 1630.07


Assets
Cash.................................... 0
House value (Gross)..................... 125000
Shares and bonds........................ 0
Car(s).................................. 1200
Other assets............................ 0
Total Assets............................ 126200


Secured & HP Debts
Description....................Debt......Monthly...APR
Mortgage...................... 105000...(217.3)....0
Total secured & HP debts...... 105000....-.........-

Unsecured Debts
Description....................Debt......Monthly...APR
CCCS...........................10500.....184.......0
Total unsecured debts..........10500.....184.......-


Monthly Budget Summary
Total monthly income.................... 1,888.17
Expenses (including HP & secured debts). 1,630.07
Available for debt repayments........... 258.1
Monthly UNsecured debt repayments....... 184
Amount left after debt repayments....... 74.1

Personal Balance Sheet Summary
Total assets (things you own)........... 126,200
Total HP & Secured debt................. -105,000
Total Unsecured debt.................... -10,500
Net Assets.............................. 10,700

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

My new SOA! :(

Tax credits is pending in my bank account at the above rate, which is £210 less than last years :(:( I would like to insert some profanities here but guess they will just look like this...!!!!!!! !!!! !!!! !!!!...... hmmm so this soa doesn't include my rental income of £525. That's because i'm not going to count my chickens before they hatch (like i usually like to!)

So with this figure we are at around £70 left for the month. DH wants £100 pocket money as he is going away and needs to eat (they pay back after) it also means whilst he is away he won't be able to afford to come home, and I won't be able to afford to drive to him on a strict budget like this proper fed up now!

debtfreewannabe321

Also the mobiles is for 3 of us. I usually put £10 on mine, £15 on ds1 and the rest is DH.

So i don't really know what else I can cut. I don't want to get rid of the savings, it's only £50 and yet it makes me feel comfortable that if i need it for something it is there. £100 for emergency funds, but once this has reached my target i may drop this and allocate elsewhere, or i may higher the target so we are even more 'comfortable' in the case of an emergency.

The two axa policies are due to mature in a couple of years and i've been paying into them for ages (will be 15 years once they mature) and i Know there is a good bonus on there from when the company was sold so want to keep these. They are £20 a month.

If anyone can see anything else that can be cut pls tell! We're contemplating cutting sky, but as i don't go out, smoke, rarely drink this is kinda of my treat but i may still cut it....

Grocery budget is set at £250 and i've achieved this a few months, but on the other months i've spent nearer £300 so am trying to be realistic and put a comfy budget on the soa!

mandz1

do you really spend £200 a month on petrol :eek: this is why i dont have a car. i know you have to use more when you pick ds1 up, but that is high!!!!
Also presents at £60 a month is pretty high. they are the only things i can really comment on. You are doing very well.

Although, if sky is your only "treat", could you maybe get a freesat box instead. one off cost of about £40 from argos, fits into your sky dish and you get some decent channels.