want to be Debt free ASAP

optimistic-mummy

Statement of Affairs and Personal Balance Sheet for 2 adults,1 child (3 years & 9 months),3 rats, 1 hamster and a lovely big dog (2 years & 2 weeks)
Monthly Income Details
Income from Employment (after tax) £2,023.77
Monthly Expense Details[/b]
Mobile Phone(s) (2 contracts with vodafone) £65.00
TV Licence £26.00
Internet,home phone and bt vision £86.67
Electricity £86.67
Gas £43.33
Water £26.00
Council Tax £80.00
Mortgage/Rent £400.00
Food and Household Shopping £200.00
Petrol/Diesel £86.67
car £200.00 (insurance,tax, and mot)(we are both under 25 so insurance is high it was the cheapest quote i could find)
CC Repayments £433.33 (minimum is £30 but overpaying to get it paid off)
littlewoods £30.00
parents £20.00
Pets £30.00
Laundry/Dry Cleaning £20.00
Play Group £10.00
Family Days Out £43.33
Haircuts £10.00
xmas,birthdays etc ---my soa is only short term (for the next 6 months max so haven't included this as i have already brought LO's xmas presents and as long as he has something everyone else knows we won't be buying for them this year)

cigarettes (myself and my partner are trying to quit but its not currently working very well) £43.33

Total monthly income £2,023.77
Total monthly expenses £1,940.33


ANYTHING NOT ON HERE IS BECAUSE THE BALANCE IS £0.00

would you say this is a reasonable SOA is there anything i've missed or that seems high to you please offer your opinions. many thanks xxx

credit card is 0% till june 2013 (or thereabouts)
littlewoods is £95 @ 0% (2 more payments of £30 and a payment of £35 and this will be paid off)

optimistic-mummy

LO woke me up at 5.30 this morning so i've been listing stuff for sale.
This week i need to:
1. SELL STUFF - Declutter as much as possible
2. stick to our budget
3. use the open fire as much as possible instead of Central Heating
4. [STRIKE]Do OU form[/STRIKE] and post
5. start TMA03
6. [STRIKE]do banking on monday[/STRIKE]
7. pay cheque in
8. use gift voucher
9. buy a 2013 diary

beanielou

Lookin good

optimistic-mummy

going to do a freezer/fridge/cupboard list in a mo when ive finished my cuppa to see how many meals i can get out the food we already have, obv will prob need to do small shops, need stuff for LO's lunch box twice a week. DP has lunch at work paid for by them!!! :T i don't tend to eat lunch and only occasionally have breakfast depending on how i feel... DP never has breakfast
so meals
LO for b'fast
LO for lunch
me DP and LO for dinner .... we dont have puddings but LO sometimes does depending on how the mood takes him, LO does snack throughout the day..... will see what i can come up with

optimistic-mummy

can't sleep ... yesterday (saturday) would of been a NSD but i needed to buy a stamp so spent 60p on that. hoping today (sunday) will be a NSD. x didn't round to doing my inventory of food. will do it today!! have lost track the last week or so.... but im becoming alot more focused and am raring to do. listed 43 items for sale. i item sold so far, still have £15 to come from a friend. x

optimistic-mummy

to do today
[STRIKE]# list on ebay.
# walk dog
# tidy up and clean [/STRIKE]

got the open fire going had the CH on earlier to take the chill off the rooms but now its gone really cold again so have lit the fire DP is still in bed so going to shift him. LO had me up at 6 this morning. im in a really good mood today. surprisingly im not tired !! catch up later, today will be a NSD i hope x

Victoria2322

Glad you had a good morning! Did you have a good afternoon?
We have had a NSD, its annoying when you really want to not spend but have too! at least it was 60p x

Victoria2322

Subscribing too

optimistic-mummy

Victoria2322 wrote: »

Glad you had a good morning! Did you have a good afternoon?
We have had a NSD, its annoying when you really want to not spend but have too! at least it was 60p x

Victoria2322 wrote: »

Subscribing too

yeah hun was ok. pushed myself to get some jobs done round the place that i kept putting off. and had a NSD so its all good at the moment have set my budget for the week (starting tomorrow) and myself & DP are quitting smoking when all the tobacco in the house has gone which will save us some extra pennies. well chuffed he's agreed on a time to quit. he did originally say in the new year. i am glad that it was only 60p.

have just signed up to swagbucks .... anyone else recommend any other sites that are similar ??
Thanks for subscribing hun xxx

Victoria2322

optimistic-mummy wrote: »

yeah hun was ok. pushed myself to get some jobs done round the place that i kept putting off. and had a NSD so its all good at the moment have set my budget for the week (starting tomorrow) and myself & DP are quitting smoking when all the tobacco in the house has gone which will save us some extra pennies. well chuffed he's agreed on a time to quit. he did originally say in the new year. i am glad that it was only 60p.

have just signed up to swagbucks .... anyone else recommend any other sites that are similar ??
Thanks for subscribing hun xxx

Thats good! yay on your NSD!
My OH has just quit (stoptober), thank goodness as im a non smoker! Apparently saved his loads, I dread to think what he spent! Im sure if you both do it together you will do it! I have seen a thread on here about quitting if you are interested!
I joined swagbucks the other day! How have you found it? There is supposed to be a similar one, on the same forum but apparantly not as good! I would love to make regular money from surveys! Shame they say no after 5 minutes in!! x