We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide
This time I have a reason
Comments
-
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.................... 1
Monthly Income Details
Monthly income after tax................ 1004
Partners monthly income after tax....... 0
Benefits................................ 432.81
Other income............................ 0
Total monthly income.................... 1436.81
Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 310
Management charge (leasehold property).. 0
Council tax............................. 80
Electricity............................. 50
Gas..................................... 40
Oil..................................... 0
Water rates............................. 30
Telephone (land line)................... 20
Mobile phone............................ 10
TV Licence.............................. 24
Satellite/Cable TV...................... 10
Internet Services....................... 0
Groceries etc. ......................... 100
Clothing................................ 10
Petrol/diesel........................... 120
Road tax................................ 11.25
Car Insurance........................... 20.1
Car maintenance (including MOT)......... 20
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 6.9
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 30
Haircuts................................ 0
Entertainment........................... 20
Holiday................................. 0
Emergency fund.......................... 20
Total monthly expenses.................. 932.25
Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 100
Other assets............................ 0
Total Assets............................ 100
No Secured nor Hire Purchase Debts
Unsecured Debts
Description....................Debt......Monthly...APR
Over draft.....................1700......150.......0
Rent...........................1400......100.......0
Scottish Power.................369.8.....73.96.....0
E.on...........................300.......50........0
Water..........................82........41........0
Mum............................1500......50........0
Total unsecured debts..........5351.8....464.96....-
Monthly Budget Summary
Total monthly income.................... 1,436.81
Expenses (including HP & secured debts). 932.25
Available for debt repayments........... 504.56
Monthly UNsecured debt repayments....... 464.96
Amount left after debt repayments....... 39.6
Personal Balance Sheet Summary
Total assets (things you own)........... 100
Total HP & Secured debt................. -0
Total Unsecured debt.................... -5,351.8
Net Assets.............................. -5,251.8
Created using the SOA calculator at https://www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission, using other browser.
Ok just worked out my SOA and that's where its at I haven't put in the vanquis as that will be paid on Tuesday once my tax rebate cheque has been cleared I am going to snow ball everything in a minute but if anyone can see where I can make savings that would be good. I can't get rid of my car as there is no possible way of getting to work without it and no chance of car sharing.water £82.00 Totally Paid June 2012, vanquis £290.00 Totally Paid July 2012, e.on £300.00 £189.00 Paid Sep 2012, Scott and co. £989 £918 Paid Oct 2012, s/p £400.00 £295 Dec 2012, o/d £2,000.00 Dec 2012, rent £1,600.00 Jan 2013, mum £1,500.00 £1,400.00 Feb 2013
£6,402
Second purse #64 £2.30/£2200 -
I now am the proud owner of 2 lovely skirts a bag to match both of them well done mum :T I have learnt how to put darts in as the skirt would have been round my ankles and how to sew in a zip they both fit like a glove :j. I have left mum making patchwork dresses and 3 pairs of shorts out of old clothes and jeans. She is so good bless her.water £82.00 Totally Paid June 2012, vanquis £290.00 Totally Paid July 2012, e.on £300.00 £189.00 Paid Sep 2012, Scott and co. £989 £918 Paid Oct 2012, s/p £400.00 £295 Dec 2012, o/d £2,000.00 Dec 2012, rent £1,600.00 Jan 2013, mum £1,500.00 £1,400.00 Feb 2013
£6,402
Second purse #64 £2.30/£2200 -
The BFTNE is coming to see me tomorrow armed with paint and brushes etc can't wait we are going to have a decorating marathon :j missed him like mad this week
he hasn't got to work after after all can't tell how happy I am :j gonna show him my new skirts and bag I know he we love them because they were free and recycled. He is looking forward to seeing the garden and all our plants. water £82.00 Totally Paid June 2012, vanquis £290.00 Totally Paid July 2012, e.on £300.00 £189.00 Paid Sep 2012, Scott and co. £989 £918 Paid Oct 2012, s/p £400.00 £295 Dec 2012, o/d £2,000.00 Dec 2012, rent £1,600.00 Jan 2013, mum £1,500.00 £1,400.00 Feb 2013
£6,402
Second purse #64 £2.30/£2200 -
Been busy busy and painted all the rooms apart from the bathroom upstairs managed to use the paint for my room, hall, downstairs toilet and the little hall downstairs. My house finally feels like a home just need to sort out what the BFTNE is going to do re the job situation and living arrangements etc. Paid my rent for the month and other monthly bills so at least the debts getting no worse.water £82.00 Totally Paid June 2012, vanquis £290.00 Totally Paid July 2012, e.on £300.00 £189.00 Paid Sep 2012, Scott and co. £989 £918 Paid Oct 2012, s/p £400.00 £295 Dec 2012, o/d £2,000.00 Dec 2012, rent £1,600.00 Jan 2013, mum £1,500.00 £1,400.00 Feb 2013
£6,402
Second purse #64 £2.30/£2200 -
with the help of the BFTNE (other halves nickname in initial form) don't think anyone will guess what it means
.
Bloke From The Nag's 'ead?:rotfl:.
Well done for all the painting and not increasing the debt :T.Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0 :j
Best win so far - holiday to Florida0 -
Well done for taking control. x0
-
please-let-me-be-lucky wrote: »Bloke From The Nag's 'ead?:rotfl:.
Well done for all the painting and not increasing the debt :T.
lol think I might start calling him that, that will confuse him :rotfl:
Gutted missed the cut off date for pay day so won't be paid until 15th of next month but then the debt busting starts but with my tax rebate at least I've kept it at bay for this month.
The BFTNE has booked us a holiday for the end of August and that's my early Christmas present bless him he's great can't wait haven't been away for a few years so so excited like a kid :j.
I have sown the holes up in my socks is that going a bit far not sure but they will last me a while longer now
and been making hats for the innocent smoothie appeal made 291 so far this year they will raise £72.75 for help the aged so very proud of myself and gives me something to do while watching TV. Well off to read before bed as got a new book from the library. water £82.00 Totally Paid June 2012, vanquis £290.00 Totally Paid July 2012, e.on £300.00 £189.00 Paid Sep 2012, Scott and co. £989 £918 Paid Oct 2012, s/p £400.00 £295 Dec 2012, o/d £2,000.00 Dec 2012, rent £1,600.00 Jan 2013, mum £1,500.00 £1,400.00 Feb 2013
£6,402
Second purse #64 £2.30/£2200 -
Today will be a total NSD and I have started walking everywhere apart from work (I think 7 miles is a bit far) lol I have lost 3 pound in weight this week so the exercise is doing me good, good for health and wealth.
Just claimed £5 amazon voucher from swagbucks and only need to do another couple of reviews on dooyoo to get my £20 voucher so I will have £25 for Christmas which is a start.
Really tired today for some reason but planning on clearing the washing pile I am sure it breeds :eek: and bake some cakes for work and dd's lunch bags. Realising how little money I need as I don't actually have any to spend so going to start respecting money instead of just squandering it when I start getting paid every month.
Right off to do my jobs and have a good day.water £82.00 Totally Paid June 2012, vanquis £290.00 Totally Paid July 2012, e.on £300.00 £189.00 Paid Sep 2012, Scott and co. £989 £918 Paid Oct 2012, s/p £400.00 £295 Dec 2012, o/d £2,000.00 Dec 2012, rent £1,600.00 Jan 2013, mum £1,500.00 £1,400.00 Feb 2013
£6,402
Second purse #64 £2.30/£2200 -
Hi deep in
Hope you don't mind me subscribing to your diary. I'm a lover of cooking from scratch and the old style way of life so will be following with interest.
K xxTrying for daily wins, and a little security in an insecure world.0 -
Hi kitchen welcome I mainly get recipes from here today I have made Weetabix cake:
2 cups/300g self raising flour
1 cup/225g sugar
1 cup/200g raisins (or any other dried fruit)
2 Weetabix (crushed)
1/2 - 1 tsp mixed spice
1 1/4 cup/275ml milk
1 medium egg (beaten)
Measure out all the dried ingredients into a large bowl.
Pour in the milk and egg and mix well (the mixture will look like a lumpy batter).
Pour the mixture into a greased and lined loaf tin.
Bake at 130 C/gas 3 for around 1 hr 15 mins, until it is firm to touch, golden brown and a skewer or knife comes out clean.
Once cooked, turn out of the tin onto a wire rack and remove the greaseproof paper.
Cut into slices when cool.
It is cheap and easy to make and is really moist and lasts me and dd the week for work and school. I got it from netmums which is my other favourite site for cheap baking.
I have also made easy biscuits don't know where I got the recipe from as its saved on my laptop:
250g butter
140g caster sugar
1 egg yolk
2 tsp vanilla extract
300g plain flour
Makes loads of biscuit - about 30.
Mix the butter and sugar in a large bowl with a wooden spoon, then add the egg yolk and vanilla and briefly beat to combine. Sift over the flour and stir until the mixture is well combined - you will probably have to use your hands at the end to combine into a dough.
Roll it out and cut out your shapes, place on a greased baking tray and into a preheated oven at 180C (or 160C if you have a fan oven) for about 12 minutes until slightly golden.
These are great for letting children play with and make shapes to bake as long as they wash their hands first dd has a great time making different shapes to be baked as I cut them into equal sizes first.water £82.00 Totally Paid June 2012, vanquis £290.00 Totally Paid July 2012, e.on £300.00 £189.00 Paid Sep 2012, Scott and co. £989 £918 Paid Oct 2012, s/p £400.00 £295 Dec 2012, o/d £2,000.00 Dec 2012, rent £1,600.00 Jan 2013, mum £1,500.00 £1,400.00 Feb 2013
£6,402
Second purse #64 £2.30/£2200
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 354K Banking & Borrowing
- 254.3K Reduce Debt & Boost Income
- 455.3K Spending & Discounts
- 247.1K Work, Benefits & Business
- 603.7K Mortgages, Homes & Bills
- 178.3K Life & Family
- 261.2K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.7K Read-Only Boards