Butti's Journey: A matter of loaf and death

Butti

Right this will be a work in progress tonight so please don't disturb me with helpful comments (or if you're going to comment accept this isn't the finished works of 'War and Peace' Ta

* There will also be explanations for those easily confused at the bottom (how patronising Butti!)

SOA

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

Income after tax**
Pay............. £1956
D lodger........ £270

Total £2226

Monthly expenditure
OOOP NORTH
Mortgage................ £200 ***
Gas / electric..............£40 ****
Water.......................£15
TV/BB/phone.............£28
Insurance home.........£27
Life assurance.............£6
TV licence.................£12
Council Tax...............£80
Petrol to go home.....£100
DOWN SARFF
Rent........................£350
Loo roll....................... £6
£869

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.....................£10
House/garden upkeep...£50
Car service..................£40
Car insurance..............£10
Dentist.........................£4
Hair............................£10
November trip............£100
Christmas....................£10
Pressies..................... £5
£284


Assets
House...................£100k
Car..........................£1k
Total Assets £101k

Secured debt Outstanding Monthly APR*
Mortgage...............£56k..............£350.........4%

Unsecured debt
HSBC cc...............£3.5k @ 18%........min. £88 p/month
O/D..............up to £700 @ 18%........fee £18 p/month
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

Monthly budget statement
Income..........................................£2226
Expenses.....................................- £1524
Available for debt repayments............£702
Monthly unsecured debt repayments...£313
Amount left after debt repayments.....£389

Personal Balance Sheet Summary
Total Assets...............................£101,000
Total HP & Secured Debts..............£56,000
Total unsecured debts...................£23,400
Net assets...................................£21,600




* I have a house in the North with a dodgy lodger in. Will be let in the spring once she becomes Ms dodgy lodger PhD. I also live in a room of a house owned by a dodgy landlady (spotting a common theme) for now. Looking for a slightly less pedantic set up shortly.

** This month

*** Mortgage £350 from November

**** Maybe I should explain to lodger how the heating works!

beanielou

I thinkMs Dodgy is onto a good thing with her very low rent.
is this in part because she looks after the house?

elantan

What's with the whole lack of light situation? Does she not want an electricity bill or something ?

Hi by the way jelous of the upcoming fun plans

Butti

Put in the wrong rent figure. She was on £220 plus half gas and electric, which is very good. Have put it up to £250 plus half gas and electric. She is an effing nightmare to live with but she will keep it clean, safe and not have wild parties.

I can't change from charging her for a room to charging her for a house. I either need to keep it the same or chuck her out and have the hassle of having to do all the work immediatly and finding a new tenant. Plus this way I can stay at home at weekends until the spring.

It works for me.

B x

beanielou

Whatever works for you is the result you want.
So it's good thats the result that you have.

Butti

Not finished yet, just so you know. God this takes a LOOOOONG time!

ZTD

Butti wrote: »

Not finished yet, just so you know. God this takes a LOOOOONG time!

Said the Bishop to the actress.

Butti

ZTD wrote: »

Said the Bishop to the actress.

I'd better not comment...I'll dig myself in even deeper!


.....Yes, lets stick to that.

ZTD

Butti wrote: »

I'd better not comment...

she replied.

Butti wrote: »

I'll dig myself in even deeper!

the Bishop added.

Butti

Well it's interesting my life:rotfl:hmmmmmm.

I'm in that horribly unsettled, not settled where I'm living, not settled in the job, not settled in my love life sort of thing. I'm living in a house where getting hot water out of the shower is a daily test, the landlady is passive aggressive, clearly demonstrated in her ubiquitous use of those cut out words 'Calm' 'Relax' WHILST NOT HAVING AN EFFING LOCK ON THE EFFING BATHROOM DOOR. Irony anyone?

Sometimes I feel life is against me.
Today I went to the library and printed out my draft SOA and Gargrave's SOA or I tried to. As some of you will be aware this is not a case of just printing it, more a case of copying to word, pasting and then printing. It didn't print because the black and white printer wasn't working. So I did the whole process again and it kept holding not printing. I'd just wasted 20 minutes. The librarian explained this whilst standing next to a sign saying 'Violence towards our staff will not be tolerated' So I had to go back AGAIN and do the process AGAIN and send it to colour 2! Very annoying.

This weekend I go home and paint the bathroom ceiling and see the crazy lodger (rather than the crazy landlady here!) and go to the funeral of my ex-boyfriend. Oh joy!

Anyway I hate living here but love living in the village. I think I am just a bit tired of how difficult things sometimes are. You lot get up in the morning and get in the shower and it's hot, I have no such certainty.

In terms of the budget I think I will work it out on a daily/weekly basis for the daily costs. At present it looks like;

Food £4.28 daily £30 per week
Petrol for commuting £25 per week
Sport £4.90 p/wk
Newspapers £3.30 p/wk
Entertainment £19 per wk

The daily food is really simple at the moment because I don't want to cook anything at home;
Porridge from MacD's for breakfast 99p
Make sarnies and fruit for lunch £1.50
Shop for something reduced at 7pm £1.70

Don't you wish you were living my life?!!!!

Sorry, will try to be more upbeat for my next posting.