Butti's Journey: A matter of loaf and death

Butti

ZTD wrote: »

Good? Bad? Indifferent?

Hard to tell till I am in them. Going to see one on Friday, but then so are a lot of other people. Look nice, look spacious, about 2 miles away from present location.

B

Butti

Was going to view on Friday BUT the guy gave me the wrong number so couldn't contact him. Told him the next day that I couldn't meet a strange man in a strange place without a telephone number. He seemed to understand without me mentioning Suzy Lamplugh and Mr Kipper.

I always ring a designated friend before and after visiting a room - it's a good habit to get into if you are viewing rooms.

So probably viewing that Monday evening and have another with an ensuite (£400) but closer to work to view aswell.

Have also asked for details of a flat in the village particularly the room sizes. Could move into this with the other lodger and would only cost £425 in rent between us. Not sure what she's like with money though!

Have done mad lodger a heating guide using the words 'IF THE PIPES BURST it wil bring the ceiling and a load of water down on your work, your laptop and your belongings aswell as mine' to encourage her to keep the heating between 10 and 21. This week she appeared to have set it at 30 so maybe I should demonstrate with a £10 note and a match if she doesn't get the point.

SANE people - please form an orderly queue to enter my life

ZTD

Butti wrote: »

Have also asked for details of a flat in the village particularly the room sizes. Could move into this with the other lodger and would only cost £425 in rent between us. Not sure what she's like with money though!

You'll find out when the credit check comes back on Andrex.

Butti wrote: »

Have done mad lodger a heating guide using the words 'IF THE PIPES BURST it wil bring the ceiling and a load of water down on your work, your laptop and your belongings aswell as mine' to encourage her to keep the heating between 10 and 21. This week she appeared to have set it at 30 so maybe I should demonstrate with a £10 note and a match if she doesn't get the point.

Thirty? Wow...

I'm opening windows at 20... :eek:

Butti wrote: »

SANE people - please form an orderly queue to enter my life

You're going to have to hustle for them better than that...

Butti

ZTD wrote: »

You're going to have to hustle for them better than that...

I know. Decided at work last week that my selling technique is going to require some work! I'm not a natural salesperson, more a natural insulter!!

Butti

A ha...........
So today we reach the point I always knew we would reach (and is this what happens when you use a spreadsheet - how annoying!)
Answer yourself Butti - No it just appears as a long thread and then you have to sort it out!!!!!

SOA


No. of adults in house 1
No of houses 2
No of cars 1*


Income after tax**
Pay...........1692
D lodger........285
Total 1977

Monthly expenditure
OOOP NORTHMortgage................ 405
Gas / electric..............70
Water.......................15
TV/BB/phone.............28
Insurance home.........27
Life assurance............6
TV licence.................12
Council Tax...............100
Petrol to go home.....100
DOWN SARFF Rent…440
Loo roll....................... 6
1203

Other costs
Food / toiletries........ 126
Petrol...................... £105
Cleaning produce......... £2
Sport........................ £25
Newspapers............... £14
Lottery...................... £4
Entertainment............ £80
Mobile...................... £15
371

Less than monthly costs / Things to save for
Clothing..........20
Road tax.....................130
House/garden upkeep..50
Car service.................40
Car insurance............10
Dentist.......................4
Hair...........................10
November trip...........0
Christmas...................10
Pressies....................5
279

Total Expenditure

AssetsHouse...................£k100
Car..........................£k1
Total Assets £101k

Secured debt Outstanding Monthly APR
Mortgage............52k 405 4
Unsecured debt
HSBC cc...............£3.5k @ 18%........min. £88
O/D..............up to £700 @ 18%........fee £18
Halifax.................£1.4k @ 15% .......min. £20 p/mth
M&S....................£1.6k @ 6.5%.......min £37 p/mth
Career D Loan......£10k @ 7%...........zero till December
Bank of Dad.........£6.2k @ 0%...... £150 p/mth
TOTAL £23,400 163min

Monthly budget statement
Income..................................1977
Expenses...............................1853
Available for debt repayments........124
Monthly unsecured debt repayments…163
Amount left after debt repayments…-39

Personal Balance Sheet Summary
Total Assets................£101k
Total HP & Secured Debts..£52k
Total unsecured debts…23,400
Net assets.....25,600

Will comment on this and tidy it up tonight!

Butti

Have run out of time in the library!

beanielou

Think you have shown your total cost for your road tax and not the monthly cost?

ZTD

Six quid on loo roll...per month...wow!
















:rotfl:

Butti

Loo roll is the only extra I am currently buying in my friendly abode. I think I shall also be buying it in the new abode. Since I told the landlady I am leaving it is like I have become invisible!!!

Have shown car tax for the year Beanie. Don't pay for it monthly but will do half a year rather than the whole thing. JUST A TAD more manageable.

The killer is paying two months less £100 for the new place and an increased mortgage for my house.

At least you didn't ask me to cut the entertaining budget!!
...and on that note I need to be at a pub quiz.

B x

ZTD

Butti wrote: »

Loo roll is the only extra I am currently buying in my friendly abode. I think I shall also be buying it in the new abode. Since I told the landlady I am leaving it is like I have become invisible!!!

Does that mean you can wear shoes now?

Butti wrote: »

Have shown car tax for the year Beanie. Don't pay for it monthly but will do half a year rather than the whole thing. JUST A TAD more manageable.

But surely all the other costs in that section are monthly? Then you've added a yearly cost to a monthly cost? Or is this for one month only?

Butti wrote: »

The killer is paying two months less £100 for the new place and an increased mortgage for my house.

At least you didn't ask me to cut the entertaining budget!!
...and on that note I need to be at a pub quiz.

I noticed the cider drinking ended up in "Sport"...