Hypno's kick up the backside debt diary....

hypno06

Income:

OH income: £1254.64
Child Benefit 120.80
Tax credits 74.49
My income approx 600.00
Student income (adjusted) 320.00

Total income £2369.93

Expenses:

Mortgage (int only) 730.31
Council Tax 167.00
Buildings & Contents Ins 40.16
Gas and Electricity 149.00
Water 32.00
TV Licence 11.31
Landline 25.00
OH mobile 15.00
My mobile (cashback) 35.00
Broadband 17.99
Life Insurance 32.69
A/c fee (yes I need to get rid) 6.50
Karate for kids 61.00
Food 200.00
Petrol 200.00

Subtotal for expenses 1722.96

Debts:

Egg loan 1. 3.83% £385.49 £17154.16 o/s Ends Apr 2011
Egg loan 2. 7.66% 190.00 5296.40 o/s Ends Aug 2010
Tesco loan. 6.9% 196.75 1783.02 o/s Ends Aug 2008
Egg card 1. 24.9% 56.00 1638.32
Egg card 2. 24.9% 100.00 2824.35
HSBC card 15.9% 170.00 6547.26
MBNA card 23.9% 150.00 6110.33
Halifax secured loan 99.27 11800.00 ish

Subtotal for debt payments 1347.51

So, income less expenses = 2369.93 – (1722.96 +1357.51) = -710.54

And this does not include car tax, car insurance, AA cover, (all paid as and when they arise, somehow!) and the immense ski costs which I am trying to cover from the uni work, bar shifts, and everything else that I can possibly do. In addition, this does not include karate gradings, new karate suits and their annual licences.

The difference each month is somehow managed by overtime, 2nd jobs, mystery shopping, ebaying,

Come on then - do your very worst........I can take it........

elantan

ok i can see this this this and this ...lol hypno dont think you need any help i'm pretty sure your on top of it...

hypno06

elantan wrote: »

ok i can see this this this and this ...lol hypno dont think you need any help i'm pretty sure your on top of it...

writing it down like this, I am not sure if I am!! Certainly my heart has started racing since I typed it up and I feel quite emotional about it!! Maybe it will focus me a bit on keeping that spending diary going!!

Karmacat

Oooh, good, I've come back in in the middle of a push - yes please, hypno, soa asap ifkwim? Pls? OK.

soa - soa - soa - soa - soa - soa - think of it as soaring (a really subtle pun, I know, sorry). I'm in the middle of the dreaded vacuuming,
I can't tell you how many little spiders I've vacuumed up that I've been walking past for weeks and not noticed in the general dirt. I'm a !!!!!!, I really am. Just have to finish that off, and I'll be back to look at the soa. Hint, broad, for the use of diarist....:rotfl:

Its mean, I don't know why we're teasing you, you've said before your soa doesn't add up, thats why you're so focussed on the mb etc. You know we all love you.

EEK! The posting goes so fast on your thread, this is out of date by the time I've typed it! Ah well.

Karmacat

Uh, hypno, I know you've talked about your fuel bills being exorbitant, but they are literally through the roof. Sweetie, are you putting the electric fires on and hanging them out of a window? Que pasa? And lets sit down while you tell us the story of why you're paying for a bank account. I know its got to be a bad one for you. I feel for you with that negative balance, I really do, and I'm not surprised your heart is racing. Have a cuppa coffee, decaff if need be.

xx

benbenandme

Thank you for posting it Hypno ... can I just ask, what exactly do you guys do with all that gas / electric?? :rotfl:

hypno06

If only I knew, we are not paying off arrears or anything - we don't have the heating on massively, I def don't use the iron and hoover much !!! I have energy saving lightbulbs, and the lights are not left on throughout the house etc.

I do use the tumble dryer though, although I now have a washing line! My therapy room has to be kept reasonably warm,

And the kettle and laptop are always on.........:o

Karmacat

You know, there's stuff on the leccy board here about rampant meters. Maybe you have one of those, and you've been overcharged for years? I know its awful, but it might be worth checking out.

hypno06

Don't think so, as it is only since I started working from home that it has shot up like that! Up until then it was about £87 a month, which was far more reasonable!

I am waiting for my next bill to come in, and if I am in credit then I will be looking to change supplier. I am certainly going to have to do an "audit" of our usage over the next few weeks.

Karmacat

You're right, the audit is the thing. On the mortgage free board, mountainlioness, I think it was, was doing exactly that - peering at the meter on the hour and experimenting with different appliances. OTOH, you saw the jump when you started to work from home, bummer, which explains the difference in the bill. I'm lucky. I have a massive south facing picture window, and the low winter sun shines in all day long. After about 10am, my living room doesn't need any heat, tho my therapy room does, its at the north side of the house. But if I'm not in there (and lets face it, contact hours have been down ) at least I'm not spending it on that. Oh, and there's only me, not four of me!