my non-mortgage mortgage free journey

quintwins

Hi guys hope your all well, just popping in with an updated Soa, my savinsg have stalled abit but it will all look up from next month

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................ 0
Partners monthly income after tax....... 1213
Benefits................................ 1040
Other income............................ 0
Total monthly income.................... 2253

Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 150
Management charge (leasehold property).. 0
Council tax............................. 0
Electricity............................. 65
Gas..................................... 0
Oil..................................... 45
Water rates............................. 0
Telephone (land line)................... 45
Mobile phone............................ 17.5
TV Licence.............................. 0
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 300
Clothing................................ 25
Petrol/diesel........................... 150
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 18
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 0
Life assurance ......................... 0
Other insurance......................... 19
Presents (birthday, christmas etc)...... 40
Haircuts................................ 15
Entertainment........................... 30
Holiday................................. 0
Emergency fund.......................... 0
Gym..................................... 60
Total monthly expenses.................. 979.5


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
Total unsecured debts..........0.........0.........-


Monthly Budget Summary
Total monthly income.................... 2,253
Expenses (including HP & secured debts). 979.5
Available for debt repayments........... 1,273.5
Monthly UNsecured debt repayments....... 0
Amount left after debt repayments....... 1,273.5

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

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

quintwins

hi guys not much happening just wanted to let you all know i'm still in the saving game. Hope your all well.Been making an effort to do more posts on my blog.

Still waiting on money to be paid back from family and friend and not much change in my own saving i'm afraid.

quintwins

Hi Everyone, savings took another hit today as i needed to get my car fixed. i'm still posting away on my blog but heres a little tidbit just for you guys...

I'm considering getting a mortgage!!

Now I hate mortgages but we havnet got anywhere with savings in the last 6 months and aswell as that we have seen a house we'd be interested in. However the house is being sold as a divorce settlement and at the moment the husband isn't allowing views. The court ordered the sale so eventually he will have to allow viewing and you never know it might bring the price down abit. I will update when i know more.

I'm trying to do daily posts on my blog aswell so far i'm doing well at it

quintwins

Hi all things havent went to well here moneywise so i'm going to start posting here again, I guess I don't have enough to fill a blog post.

Used some savings this month so i could pay my creditcard and not have charges however there is already £500 back on it! It WILL be paid completely next month and not used again.

Lent a friend a large amount to bail her out she will start paying me back next week, however it's likely to take atleast a year. Something are more important than money tho, like knowing you helped someone in need i'd like to think someone would do the same for me.

I had a bump in my car that cost me £150 yesterday aswell.

After an expensive summer and buying a new car my signature is sadly up to date.

Today is payday, but i'm £150 overdrawn so other than £40 it's going to clear that. £40 is going to the creditcard.

Savings standing order starts on Monday. £200 plus my friend will pay some back next week which will also go to the savings.

In October i plan to save £1800, some of that will be coming from my friend.

Went shopping yesterday and spent £45 this should last us 2 weeks, not including the £13 I need to pay to the school every week, or milk.

However we are having guests on the 5th for steaks!!! i have to buy the steaks and i have ordered cupcakes at £18, hubby has ordered a cheesecake and i will need some salad and veg items, i expect this to cost £100. I know this seems alot but we only do it once a year.

Tonight I will be doing surveys.

Over the weekend I will dig threw old clothes that no longer fit and list on eBay.

On Monday I will take an old broken chain and some old unmatching earrings to cash for gold.

I will save all poundcoins and 50p's in a sealed tin and only open when it's full.

I recently quit my job however I did cover a night this month so I will have £10 to add to my savings.

We ordered new snow tyres yesterday, we found a good known make very cheap and paid using paypal saving over £150. We also ordered car mats as our car doesn't have any!! with winter comingg we were worried about our car getting ruined, our mats have wee clips so we had to buy official ones at £65 which we are going to collect on saturday. While there we will mention the rust on the roof of our car!! it's an issue with our car and honda will fix it for free and spray the roof for us.

Other than car mats I will spend no money this weekend.

KolaKube

Hi Quintwins :hello:

Good to see you again and I shall have a little nosy at your blog

Kola xx

quintwins

Hi kola

Well the best laid plans an all that-one of my kids are sick, so a spent at home cleaning.

£200 added to the savings, 50p in the pot. I have some money to lodge in the bank aswell but can't do it now

Canceling my gym membership as soon as i can get there, they need a months notice and the dd is set for tomorrow so i will pay next months then stop going at the end of that month. Quitting person training aswell so another £20 a week saved. New SOA will be coming today.

Signature outdated. £13 sent to school today is a LSD but it can't be helped.

quintwins

Heres my new, cut everything to the bones SOA

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................ 780
Partners monthly income after tax....... 780
Benefits................................ 840
Other income............................ 0
Total monthly income.................... 2400

Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 150
Management charge (leasehold property).. 0
Council tax............................. 0
Electricity............................. 60 (maxium amount given it's getting colder)
Gas..................................... 0
Oil..................................... 30 (only using coal and logs this winter)
Water rates............................. 0
Telephone (land line)................... 45
Mobile phone............................ 17.5
TV Licence.............................. 0
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 100 (short term while using stuff up will add £50 on in the new year)
Clothing................................ 0
Petrol/diesel........................... 120
Road tax................................ 11
Car Insurance........................... 79
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 52 (school fee's)
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 0
Life assurance ......................... 0
Other insurance......................... 19
Presents (birthday, christmas etc)...... 30 (most gifts bought this is going to the savings for now)
Haircuts................................ 0 (i will be getting my hair stripped then not bothering with cuts for a few months, it's quite short and i can trim myself and grow it out)
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 0 (we have savings for this if needs be)
Car finance............................. 177 (considering paying this off in full)
Total monthly expenses.................. 890.5


Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 8000
Other assets............................ 0
Total Assets............................ 8000

No Secured nor Hire Purchase Debts

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


Monthly Budget Summary
Total monthly income.................... 2,400
Expenses (including HP & secured debts). 890.5
Available for debt repayments........... 1,509.5
Monthly UNsecured debt repayments....... 0
Amount left after debt repayments....... 1,509.5

Personal Balance Sheet Summary
Total assets (things you own)........... 8,000
Total HP & Secured debt................. -0
Total Unsecured debt.................... -0
Net Assets.............................. 8,000

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

quintwins

Meal plan for the week. We will all eat the same but me and hubby are still trying to be healthy.

Breakfast
mon-fri porridge
saturday-scambled egg on toast with bacon
sunday-porridge

Lunch
mon- brown rice with chicken and spinage (already made and in the fridge)
tue-soup
wed- baked potatoe with chilli
thur-sardines on toast
fri-soup
sat- chicken sandwichs
sun-inlaws

Dinner
mon-chicken and gammon with mash, veg and gravy
tue-beef stirfry
wed-sausage casarole
thur-spagetti
fri-mince and potatoes
saturday-steak night (we're having guests)
sunday- sandwichs (big lunch)

Snacks- fruit and some of jacks sunshine buns for the kids to take to school.
This is all using stuff up, all i need is bread.I have shopping coming on Wed which was stuff for Saturday night and some stocking up as i had a £15 off voucher.

quintwins

Dried and packets

1 bag rice
4 bag self rasing flour
3 spagetti
4 bags pasta
1 bag porridge
1/2 box of cornflakes
10 parsley sauce
1 cheese sauce
1 sausage casarole mix
3 chocolate rice pudding mixs
3 caramel rice pudding mixs
4 strawberry whips
7 instant custards
2 dried fruit
bag ground almonds
4 cousous
1 cheese and brocolli pasta
1/2 packet of pudding rice

tinned and jars

4 potatoe
3 sweet and sour
1 sweetcorn
1 pear
10 packets of soup
4 tins soup
2 chickpeas
7 currys
3 pineapple
1 spag bol
1 ravioli
13 tinned oranges
1 carrot
2 stuffing
12 beans
4 rice
3 custard
2 spag/hoops
tom puree
1 sardines
hot chocolate
tom/passata 9
1 jar white sauce

quintwins

Small spend yesterday on parking, i had no change so i ended up spending £1.39 as i spent 99p to get change!

£20 spent today on my last personal training session which i'm really going to miss. Shopping will be here soon should be £38ish.

Need desil tomorrow but that can't be helped.