Just say NOvember!!! ( are you brave enough )...

skintsue

Stuck at home again today, so it was another NSD :beer:.
I spent the day watching a couple of films, ironing at the same time, I also made some crafting stuff for presents with stock I already had.

I had a spend day yesterday - £7 in total. Milk, butter, and some Orange Juice. Still well under the Say No monthly budget I set myself, and severely under the normal monthly spend.
It's horrific how much does go without realising it - pick up some milk and a mag catches your eye. In the supermarket for food, and a sparkly pair of earrings somehow end up in the basket, and because they are ONLY £3, they stay.
I am ashamed of how bad I have been with money, even if it is ONLY £3's here and there.
I have certainly turned over a new leaf since starting this challenge.

Heffi1

Just checking in with another 3 nsds to add to the pot, as I have mentioned I have lost count on how many days I have built up, but good news is that I am under budget, in total this month I spent £187 out of a £200 budget, so I am very pleased with that total. Also as it was payday for me on Friday, I don't really know if I should stop counting my food budget against this or my monthly amount - hmmm a bit confusing for me as I usually work 24th to 23rd of the following month.I will see if I can make it to the end of Nov without spending anymore, but I fear I may need to get some basics in, the veg and bread is looking very low, but if I stick to pasta and rice I am sure we will get through.

Well done on everyone getting so many NSDs under the belt, it has been an eye opener for me, I realise just how often I would go to the shop for food and get home to see I already had enough in to make a meal or three...so a lesson on using what is in before buying more has definitely been learned for me.

searching_me

NinjaSavingKat wrote: »

LOL! Donatello indeed! ..When I said slink off I meant - disappear on us.. I didn't mean that you would give up. I hope I didn't offend..

I don't understand the above. Is this you telling me that your friends are giving you a wee bit of a hard time for wanting to apy your debts off faster?

And how much is it at now please?

x

its more my friends and work mates say they could handle my life in general as its very stressful of course alot is not gone in to on here ... money and family ... the last 2 years have been a very stressful time for me and for it has seen my debt go up .. still paying of last years xmas ... absolutely stupid i know but you live and learn and im refusing to do it this year and i havent so far ...

as it stands ...

£550 to sainsburys cc at 20.9% apr
£958 to barclayscc at 27.9% apr
£1850 to very at 39.9% apr
£1300 to overdraft barclays (im not sure of the apr but it take £20 interest every month) ...

so that £4658 in total x

NinjaSavingKat

Right searching.. how much can you throw at these altogether each month?

searching_me

thats the tricky thing as my hours maybe cut after xmas in my store so im currently building bridges between other managers at other store to get extra hours in ...

i need to redo my soa and see where i stand i was getting on top since my insurance came down .. i think i need to do my soa now x

NinjaSavingKat

Sounds like a good plan - does VERY need the full amount still?

Ask your bank to reduce your OD every month by the interest plus £20..you won't notice it so much but I have done that myself and will be rid of it entirely on Friday..

You do a lot of OT as well don't you..? Or are trying to..? Keep me posted on your amount per month you can afford to pay out.. we need rid of that VERY account...

searching_me

very dont need the full amount but a min payment of £115 a month ... my bank wont let me reduce my OD unless i go in every month and reduce it myself which i have to start doing ... im looking in to OT luckily ive got bonus till march so thats gonna help especially if my hours do go down .. right just sort my DS as hes refusing to sleep then i'll do my soa x

suzitiger

Banks are such a pain aren't they searching_me. I am doing my overdraft last as it is not costing me interest at the moment when I am under the 1k mark. It soon will be paying interest but I would rather be paying off the c.cards first.
Popping in to delcare that today was another NSD but yesterday sadly not. I had to unexpectedly pay for a train journey to OHs parents, he planned a last minute trip, bit annoying but it was lovely to see them. His mum gave us a lift back today though so PHEW! no money spent there, and i waited to get the train yesterday as it is £2.20 cheaper than the bus haha! :-)

searching_me

Statement of Affairs and Personal Balance Sheet

Household Information
Number of adults in household........... 1OH doesnt live with me as such but he does stay here a lot
Number of children in household......... 2
Number of cars owned.................... 1

Monthly Income Details
Monthly income after tax................ 750
Partners monthly income after tax....... 100 this is OH add to since he stays a bit many for the sky so he can have sky sports the moment he stops paying for it it gets cancelled
Benefits................................ 750
Other income............................ 0
Total monthly income.................... 1600

Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 330
Management charge (leasehold property).. 0
Council tax............................. 100 in some arrears so pay alittle extra and its till march as well
Electricity............................. 40 im on pay meter for both
Gas..................................... 40
Oil..................................... 0
Water rates............................. 0
Telephone (land line)................... 0
Mobile phone............................ 32 i need to ring o2 i dont use half the amount of minutes i used to
TV Licence.............................. 12
Satellite/Cable TV...................... 75 this is line rental internet and phone as i say OH pays half
Internet Services....................... 0
Groceries etc. ......................... 200 coz of this thread ive cut it down alot
Clothing................................ 0
Petrol/diesel........................... 100
Road tax................................ 0
Car Insurance........................... 77 this is the first month of paying this it was £266 a month last year
Car maintenance (including MOT)......... 0 i never account for this and get caught out hence going to the garage on tuesday and having to trade in and sell things to pay for it
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 40 school dinner for DD while its cold i believe she should have a warm lunch
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 need to account for this currently paying for xmas with my bonus luckily
Haircuts................................ 0
Entertainment........................... 0 im trying to keep this down but i honestly dont know how much each month
Holiday................................. 0
Emergency fund.......................... 0
kids savings............................ 20 just started this as i believe i should put alittle a side for them just incase
Total monthly expenses.................. 1066


Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 300 shes a cheap car but generally very cheap to run
Other assets............................ 0
Total Assets............................ 300

No Secured nor Hire Purchase Debts

Unsecured Debts
Description....................Debt......Monthly...APR
very...........................1850......115.......39.9
scc............................550.......50........20.9 £50 is over the min but im trying as it was over the limit
bcc............................958.......50........27.9 same goes for this
overdraft......................1300......20........0
Total unsecured debts..........4658......235.......-


Monthly Budget Summary
Total monthly income.................... 1,600
Expenses (including HP & secured debts). 1,066
Available for debt repayments........... 534
Monthly UNsecured debt repayments....... 235
Amount left after debt repayments....... 299 really never have this

Personal Balance Sheet Summary
Total assets (things you own)........... 300
Total HP & Secured debt................. -0
Total Unsecured debt.................... -4,658
Net Assets.............................. -4,358

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

what you think x

ive worked this out on my normal wage x

NinjaSavingKat

Leave this with me I will inbox you tomorrow in order to not fill up the thread. However tell me - does the "available for debt re-payments" include the "monthly unsecured debt repayments" so you only have £299? And you need to invest in a very small siary to carry everywhere to find out EXACTLY where that £299 goes...and I mean EVERYTHING!!!