Scared as Hell

wiggles01

:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j

Well lots settled already :-)

• Settled the smaller card, will ring them tomorrow to confirm payment has been transfered and ask for a letter stating the account is closed
• Paid £80 off the leccy balance - hopefully I will have a bit more by the end of the month but I want to ensure I don't leave myself short this month:D
• Paid £132.50 off my service charge balance
• Paid for 3 hen do's that I have this year and opened saving account for spends for those.
• I have £5 left from this month £5!!!! Un-heard of! - not sure whether to bung it in my sealed pot or pop it on my leccy payment (thinking the later of the two)

:beer:Well i'm sure gonna sleep better tonight :beer:

Task list for tomorrow

1. Call Capital One
2. re-do SOA to reflect new situ
3. Post my Ebay sales
4. Send off payments for the cards (another £180 :T)
5. Change the email on my swagbucks account so I can get my £5 voucher! (Doh!)

I feel totally empowered right now..gonna make the most of this up before the down appears on this rollercoaster!

Night Night!

wiggles01

Task list for tomorrow

1. [STRIKE]Call Capital One[/STRIKE]
2. [STRIKE]re-do SOA to reflect new situ[/STRIKE]
3. Post my Ebay sales
4. [STRIKE]Send off payments for the cards (another £180 :T)[/STRIKE]
5. Change the email on my swagbucks account so I can get my £5 voucher! (Doh!)

Managed to send £244 rather than £180 :T
Only downer today was that I failed my lionbridge exam...they don't give feedback so i'm not sure why..shame so i'm now looking at other ways to make a few bob..couldn't help looking ahead but by xmas i should only owe £8k i've not owed less than that in 5 years! i'm so excited!

I can't believe i've paid £1387 off my debt already :money:

millionaire_in_training

Well done on your payments . It feels great when everything is going well. Shame on the exam front but I am a great believer in fate and obviously this was not for you. So take heart as something else will come along xx

ineed

Well done

meow5678

Hiya,
just dropped by and read your diary.
Congrats on all the payments you;ve made so far, such big progress!!

*subscribes*

wiggles01

Thanks for all the words of support guys - really spurs me on

so what have I been up to apart from enjoying the amazing sunshine ...well

• got an awesome deal on this years travel insurance (thanks MSE) :money:
• got £25 cashback on this years break down insurance:money:
• a stonking rate on my currency for my holiday this month (thanks MSE) :money:

I also noticed tonight that there was a liquid underneath my bonnet in a tesco car parking space not sure if it was from my car but i need to get a contingency sorted to get my car serviced.. I can't remember the last time I could afford one not good I know...hence the all in singing all dancing break down cover this month... i've budgeted putting away about £300 for a full service in the next couple of months not sure if that will be enough though

So the action plan for the rest of the month???? spend as little as possible! :rotfl:

I've got enough food to last me the month and enough money for any committments i've already made...so the focus will being on finding ways to make extra money....

wiggles01

Statement of Affairs and Personal Balance Sheet

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

Monthly Income Details
Monthly income after tax................ 1800
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 1800

Monthly Expense Details
Mortgage................................ 366.6
Secured/HP loan repayments.............. 0
Rent.................................... 4.15
Management charge (leasehold property).. 132.5
Council tax............................. 75
Electricity............................. 84
Gas..................................... 0
Oil..................................... 0
Water rates............................. 0
Telephone (land line)................... 17.5
Mobile phone............................ 50.4
TV Licence.............................. 12.18
Satellite/Cable TV...................... 37.5
Internet Services....................... 5
Groceries etc. ......................... 60
Clothing................................ 10
Petrol/diesel........................... 55
Road tax................................ 15
Car Insurance........................... 33
Car maintenance (including MOT)......... 40
Car parking............................. 0
Other travel............................ 241.8
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 0
Buildings insurance..................... 30
Contents insurance...................... 9
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 15
Haircuts................................ 0
Entertainment........................... 20
Holiday................................. 0
Emergency fund.......................... 10
Total monthly expenses.................. 1323.63

Assets
Cash.................................... 0
House value (Gross)..................... 125000
Shares and bonds........................ 0
Car(s).................................. 2000
Other assets............................ 0
Total Assets............................ 127000

Secured & HP Debts
Description....................Debt......Monthly...APR
Mortgage...................... 73000....(366.6)....4.3
Total secured & HP debts...... 73000.....-.........-
Unsecured Debts
Description....................Debt......Monthly...APR
Santander......................4111.5....102.5.....0
Barclays.......................5692.25...141.5.....0
Total unsecured debts..........9803.75...244.......-

Monthly Budget Summary
Total monthly income.................... 1,800
Expenses (including HP & secured debts). 1,323.63
Available for debt repayments........... 476.37
Monthly UNsecured debt repayments....... 244
Amount left after debt repayments....... 232.37
Personal Balance Sheet Summary
Total assets (things you own)........... 127,000
Total HP & Secured debt................. -73,000
Total Unsecured debt.................... -9,803.75
Net Assets.............................. 44,196.25

wiggles01

So i have £237 spare....

hmmmm...

gallygirl

wiggles01 wrote: »

I also noticed tonight that there was a liquid underneath my bonnet in a tesco car parking space not sure if it was from my car but i need to get a contingency sorted to get my car serviced.. I can't remember the last time I could afford one not good I know...hence the all in singing all dancing break down cover this month... i've budgeted putting away about £300 for a full service in the next couple of months not sure if that will be enough though

Eek :eek:. Do you have air con? It could just be from that possibly?

hedgesparrow

I know what you mean about not affording a service. I took my car in for a service about a year ago to my trusty garage when they found something that needed welding. They rang me up and I had to tell them, ok weld it but I can't afford the service anymore!