Back to being a DFW .. 13 months to do it ..

LITTLE_MISS_PIGGY

i havent been able to get on the last few days been busy sorting things out here but i do have a question how do you get your kids to eat all that food im lucky if mine eat a sandwich and fruit at lunchtime lol

Hiddenidenity

LITTLE_MISS_PIGGY wrote: »

i havent been able to get on the last few days been busy sorting things out here but i do have a question how do you get your kids to eat all that food im lucky if mine eat a sandwich and fruit at lunchtime lol

They don't always eat everything, and I don't mind them not eating pudding. Although they don't leave the table until they have eaten enough of the food. Cam would pick at stuff all day rather than sit and eat meals, so I have to be strict.

Scuff

HI I made your cookies and they were YUMMYYY. They went down a treat with my family & they actually accused me of buying them and then putting them in my own tin!! Thankyou x

Hiddenidenity

Hello all still around but not posted in here.

My debts going up not down, although shouldn't go up anymore now.

Need to sit and work a new budget out with things that have changed.

Hiddenidenity

So debt stands today at
£5160 (friend 1) - £160 from starting
£1200 (friend 2) + £220 from starting
£1260 (friend 3) - £60 from starting
£120 (Provident) + £20 from starting
£375 (Provident) + £25 from starting

Total now £8115 Total at starting £8135

pennywisepoundstupid

Just popped out of lurkdom to say hi and also to say thankyou for posting the cookie recipe, They have gone down a storm in my house today and I will defo be making them again.

Good look on your mission to become debt free and I hope your OH arm is getting better.

Scuff

you're still better off than when you started

WantToBeSE

Hi HI,
Well done, you still have less debt now than you did when you first posted, so it's all good

A new SOA sounds like a plan. Hope you are doing Ok?

Hiddenidenity

Thank you for the replies

The cookies are from the Grocery Challenge I can't take the redit they are the best I've made so far

I'm okay things are stressful here at the mo. It an only get better x

Hiddenidenity

New SOA

Statement of Affairs and Personal Balance Sheet

Household Information
Number of adults in household........... 2
Number of children in household......... 2
Number of cars owned.................... 1

Monthly Income Details
Monthly income after tax................ 0
Partners monthly income after tax....... 1381.25
Benefits................................ 492.6
Other income............................ 0
Total monthly income.................... 1873.85

Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 600 (Includes Arrears)
Management charge (leasehold property).. 0
Council tax............................. 180 (Includes Arrears)
Electricity............................. 60 (Pre-payment)
Gas..................................... 60 (Pre-payment)
Oil..................................... 0
Water rates............................. 50 (Includes Arrears)
Telephone (land line)................... 0
Mobile phone............................ 25 (ontrat x 1 and 2 pay as you go)
TV Licence.............................. 13
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 200
Clothing................................ 0
Petrol/diesel........................... 100
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 20 (Children have to go)
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 10 (pre payment)
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 12
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 0
Entertainment........................... 40 (Not really always spent but includes kids extras etc.)
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 1370


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
Debt 1.........................5160......200.......0
Debt 2.........................1200......100.......0
Debt 3.........................1200......100.......0
Provident......................375.......60........0
Provident......................140.......40........0
Total unsecured debts..........8075......500.......-


Monthly Budget Summary
Total monthly income.................... 1,873.85
Expenses (including HP & secured debts). 1,370
Available for debt repayments........... 503.85
Monthly UNsecured debt repayments....... 500
Amount left after debt repayments....... 3.85

Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -0
Total Unsecured debt.................... -8,075
Net Assets.............................. -8,075

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