Time for change...

JLS1901

Well not alot happening, not been paid yet which is a stress so have a ten pound note to my name... Hoping my wages go in today..
Been having a real good think and I'm looking for jobs round and about now and closer to college.. I don't want to give up my job as I love it and it works really well but it is an hour away from home and with winter coming its only gonna get harder.. I'm hoping I can stick it out till the end of the year graduate then hopefully find a job (anything anywhere) or possibly go back to Australia.. Days like today I wish I had a full time job... Electric went off last night while I was in the bath came down and there was water coming through the ceiling (again) so got LL round and there's a leak in the bath.. so LL is coming to fix that and the heating (which has been off for months) when he gets chance.. If we are lucky might be before Christmas.
Can't look at other private rents as sis doesn't work full time hours and obviously I'm student and self employed.so they won't look at me twice. Applying to go go the council list but we will never get to the top of the list.

Feel so so down.... and cold.

Welly xx

HeadAboveWater

*hug* to warm you up!

Did you get the heating fixed? I wouldn't like to be without it in this weather, regardless of how much I love my bed!! :D

JLS1901

Hello HAW sorry for the late reply... no still no heating! Been 2 months now x

JLS1901

Well all go here.. Signing new tenancy agreement on Monday all being well then moving 2nd weekend in December... It's gonna be so stressful but can't wait.. Will be so much nicer and cheaper rent only downside is I ll have to find a different job but to be honest being self employed isn't really working for me...
Anyway I'm having a lovely 4 days in Paris with my best friend it's lovely! Xx

HeadAboveWater

Yay! :j

Ooooh enjoy Paris!!

JLS1901

Hello everyone,
All go here as moving in 10 days very excited!! Cannot wait to be in a house with heating! Just changing all the bills and things over all very stressful but hopefully will be worth it and we will be saving money!
Welly xx

JLS1901

Right so we are all tucked up in our new house and it's fab although I never want to see another box in my life!! Still got lots to unpack but hopefully will be sorted by Christmas!

So coz of changes I'm going to put up a new SOA etc..

HeadAboveWater

Welcome back and happy new home

JLS1901

Thanks HAW Hope your well!

JLS1901

So here's that SOA, because of moving I've given up my job as it would have meant traveling 2 hours up and down dale and in winter it wouldn't have been possible, so at the moment I'm applying for every job going and will be living solely off my student loan.

Statement of Affairs and Personal Balance Sheet

Monthly Income Details
Monthly income after tax................ 500
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 500

Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 212.5
Management charge (leasehold property).. 0
Council tax............................. 42.5
Electricity............................. 50
Gas..................................... 0
Oil..................................... 0
Water rates............................. 0
Telephone (land line)................... 12
Mobile phone............................ 33
TV Licence.............................. 6.06
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 50
Clothing................................ 0
Petrol/diesel........................... 80
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 20
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...................... 4.5
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 0
Entertainment........................... 20
Holiday................................. 0
Emergency fund.......................... 20
Total monthly expenses.................. 550.56


Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 400
Other assets............................ 0
Total Assets............................ 400

No Secured nor Hire Purchase Debts

Unsecured Debts
Description....................Debt......Monthly...APR
Halifax CC.....................750.......5.........15
Tesco CC.......................1150......25........0
Total unsecured debts..........1900......30........-


Monthly Budget Summary
Total monthly income.................... 500
Expenses (including HP & secured debts). 550.56
Available for debt repayments........... -50.56
Monthly Unsecured debt repayments....... 30
Amount short for making debt repayments. -80.56

Personal Balance Sheet Summary
Total assets (things you own)........... 400
Total HP & Secured debt................. -0
Total Unsecured debt.................... -1,900
Net Assets.............................. -1,500

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