Putting My Life Into Order

dawnybabes

Brilliant start to new year x

catandy

well life is ticking on and new regime going ok, not yet sold anything but ive got a 2 week induction so I'm not stressing it yet.


DS1 and DS2 are ok, busy with their lives and treating our place as a B&B (which is how it should be at their ages).


Balances on nothing really making any kind of big decrease yet (don't make payments on DMP till end of month so going to take till then for new amounts to register and show a difference). Purse strings pulled oh so tight for the rest of the month and everyone happy and content a la chez Catandy! (and long may it continue)..

elly68

Sounds good catandy hope 2014 is your year

catandy

well a short day at work today as I've passed my induction and I'm released into the bearpit from tomorrow to sell, sell, sell... (I'm thinking of it as make ££, make ££) to put a more positive spin on it. I'm ready for it just want to get on and do it now.


rent bounced again this month or the DD for it did - payment was late clearing thru my account from by a day so giving me bank charges (sigh, some things just don't change), so got to get that sorted tomorrow. WTC has been reassessed and basically totally cut due to employed wage so its going to be really tight thru to first full pay packet... how many times have I said that now? it feels like my mantra.


feeling a bit blah really - no particular reason just having an off day I guess.

dottyanne

Hi Catandy your doing great, everyone is probably in the same boat waiting for January pay day - I know I am! I took stock of 2013 and realised I need to cut back but time on unnecessary spending and goal for 2014 is to be rid of ccards once and for all, good luck to you.

elly68

Hi catandy the antidepressant take 6-8 weeks to work dotty is right January is always a drag ,my work was crape this week a.really do hope things start to get better

catandy

thanks everyone and things are getting better when I look at what a mess I was in this time next year I'm doing ggggrrreeaatt!


and I'm doing even better that Ive got a son free flat for the whole weekends --- bliss!

catandy

and I still know how to sell


revised payments hit creditors accounts today so will update balances accordingly in a week or so when the new amounts show.


onwards and downwards the balances go!!

elly68

Glad U are feeling more positive ,you are doing so well to make any dent in those cards you are well on the road to freedom

catandy

Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 1
Number of children in household......... 2
Number of cars owned.................... 1
Monthly Income Details
Monthly income after tax................ 1594
Partners monthly income after tax....... 0
Benefits................................ 201.2
Other income............................ 0
Total monthly income.................... 1795.2
Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 425
Management charge (leasehold property).. 0
Council tax............................. 60
Electricity............................. 0
Gas..................................... 0
Oil..................................... 0
Water rates............................. 35
Telephone (land line)................... 0
Mobile phone............................ 0
TV Licence.............................. 12.12
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 300
Clothing................................ 0
Petrol/diesel........................... 80
Road tax................................ 0
Car Insurance........................... 50
Car maintenance (including MOT)......... 0
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...................... 0
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 0
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 962.12

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.................... 1,795.2
Expenses (including HP & secured debts). 962.12
Available for debt repayments........... 733.08
Monthly UNsecured debt repayments....... 0
Amount left after debt repayments....... 830.00
Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -0
Total Unsecured debt.................... -0
Net Assets.............................. 0


New SOA so I can see where I am at with new wage / expenditure etc