Starting again, again...

mummybearx

Still waiting on my BACS clearing, but sent the payment from my bank account to the credit card anyway. Managed to get the faster payment set up, had to call the bank cos I just coudn't work out how to do it All sorted now

Credit card is now at £2810.38 :T Minimum payment is due 14/02, think it's £29-ish. Think I will try and change the payment date to the first few days of the month, I don't like bills coming out the middle of the month.

In other news, going to have to send DH to Tesco today :mad: Realised last night that we have no pasta, potatoes or chips. How am I supposed to have a dinner without any of those?? Will text him a list, he is generally very good at sticking to it. As long as he stays away from the fresh olives we will be alright!

Also trying to find something to spend my £20 birthday money on. DH says I am absolutely not allowed to buy food with it or spend it on paying debt, I have to buy myself something with it. Hmmm, no idea what to buy

StressedSteph

Hi Zepsgal,

Hubby is right saying you must buiy yourself something nice with it.

Just a few ideas - Nice book , Cook book, Big box of chocolates, Magazine subscription, Manicure, yummy takeaway, necklace.

Hehe I am very good at spending other peoples money .

Hope you find something nice, otherwise save it up for something else you might want.

mummybearx

Mmmnnn a box of chocolates... Sounds like a good idea!

I could really do with a facial, my skin has been horrible the last week or so (Dh says I'm mad, my skin is fine, but it's not!). Don't think I can get an Elemis or Darphin facial for £20 though

Might buy some fabric or some more buttons, something that I can use to make some presents for family birthdays. But that's not something for 'me', even though I love crafting

In other news, my £70.70 cashback has disappeared :eek: Yesterday when I sent my £60.60 to bacs payment, my £70.70 cashback was showing up as £0.00. I emailed them today about it, just waiting to hear back now

mummybearx

Just back from tesco. Spent £26.45, so technically over budget as I planned on £30 a week for me and dh and £30 for the month for the dogs, but £4.78 of that was out the dogs budget. So not that much over my food budget.

We have meal planned til Saturday so won't be spending another penny til at least then. Bought enough dog treats to last the month. Will buy dog food on Saturday, it's £25 for the bag and I have a £3 off when I spend £20, so £22 for the bag.

Feeling quite happy with all that. Meal planned, wrote a list and stuck to it. Only extra was cheese, which I should have put on the list anyway.

mummybearx

Got a reply from topcashback, asking to confirm how many transactions I have had with the retailer. Feeling rather nervous about the whole think, I don't understand how it can show up as confirmed at £70.70 and then just change back to £0.00??

mummybearx

Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 2
Number of children in household......... 0
Number of cars owned.................... 2
Monthly Income Details
Monthly income after tax................ 1400
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 1400
Monthly Expense Details
Mortgage................................ 480
Secured/HP loan repayments.............. 0
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax............................. 85
Electricity............................. 69
Gas..................................... 69
Oil..................................... 0
Water rates............................. 0
Telephone (land line)................... 20
Mobile phone............................ 45
TV Licence.............................. 13
Satellite/Cable TV...................... 0
Internet Services....................... 9.5
Groceries etc. ......................... 200
Clothing................................ 0
Petrol/diesel........................... 130
Road tax................................ 2.5
Car Insurance........................... 32
Car maintenance (including MOT)......... 10
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 22
Buildings insurance..................... 10
Contents insurance...................... 10
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 10
Haircuts................................ 7
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 1224

Assets
Cash.................................... 0
House value (Gross)..................... 80000
Shares and bonds........................ 0
Car(s).................................. 2000
Other assets............................ 0
Total Assets............................ 82000

Secured & HP Debts
Description....................Debt......Monthly...APR
Mortgage...................... 80000....(480)......4.49
Total secured & HP debts...... 80000.....-.........-
Unsecured Debts
Description....................Debt......Monthly...APR
Total unsecured debts..........0.........0.........-

Monthly Budget Summary
Total monthly income.................... 1,400
Expenses (including HP & secured debts). 1,224
Available for debt repayments........... 176
Monthly UNsecured debt repayments....... 0
Amount left after debt repayments....... 176
Personal Balance Sheet Summary
Total assets (things you own)........... 82,000
Total HP & Secured debt................. -80,000
Total Unsecured debt.................... -0
Net Assets.............................. 2,000
Created using the SOA calculator at www.stoozing.com.
Reproduced on Moneysavingexpert with permission, using IE browser.

mummybearx

Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 2
Number of children in household......... 0
Number of cars owned.................... 2
Monthly Income Details
Monthly income after tax................ 1400
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 1400
Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 200
Management charge (leasehold property).. 0
Council tax............................. 0
Electricity............................. 0
Gas..................................... 0
Oil..................................... 0
Water rates............................. 0
Telephone (land line)................... 0
Mobile phone............................ 45
TV Licence.............................. 0
Satellite/Cable TV...................... 0
Internet Services....................... 9.5
Groceries etc. ......................... 200
Clothing................................ 0
Petrol/diesel........................... 130
Road tax................................ 2.5
Car Insurance........................... 32
Car maintenance (including MOT)......... 10
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 22
Buildings insurance..................... 0
Contents insurance...................... 0
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 10
Haircuts................................ 7
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 668

Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 2000
Other assets............................ 0
Total Assets............................ 2000

No Secured nor Hire Purchase Debts
Unsecured Debts
Description....................Debt......Monthly...APR
sister.........................6900......300.......0
credit card....................2800......30........0
Total unsecured debts..........9700......330.......-

Monthly Budget Summary
Total monthly income.................... 1,400
Expenses (including HP & secured debts). 668
Available for debt repayments........... 732
Monthly UNsecured debt repayments....... 330
Amount left after debt repayments....... 402
Personal Balance Sheet Summary
Total assets (things you own)........... 2,000
Total HP & Secured debt................. -0
Total Unsecured debt.................... -9,700
Net Assets.............................. -7,700
Created using the SOA calculator at www.stoozing.com.
Reproduced on Moneysavingexpert with permission, using IE browser.

mummybearx

Just looking again at finances as they are now and how they would be when/if I buy my dad's house.

Basing this on my wage only, as I always do, and not adding in figures in any way shape or form for cigarettes.

We were planning on taking an extra £10k on the mortgage to decorate the house, fix the leaks and put in a new kitchen and bathroom etc. On my second SOA I'm basing that on using the £10k to pay off all the debt. Not sure that's the best way to do that but, I'm just looking at different figures.

mummybearx

Trying to keep on track with all my budgets. Bit difficult when DH is buying food out of his own money, saying I can 'give him it back' at some point. It would be helpful if he kept receipts rather than saying 'buy me 20 cigarettes and we will call it quits' :mad:


Still, dog food and treats has been bought for the month. Dinner for the rest of this week is sorted, might need some frozen peas or something, but not yet.

We had a lovely day out on Saturday. Me, DH, our best friend and the two dogs piled into our car and drove up the Campsie Fells. We stopped just down from a forest, parked up and went for a walk. The path was all snowy, we let the dogs off lead to run ahead of us, just wonderful! Out in the wilderness for a few hours, then it started to get a bit too cold for us all, so we headed back to the car. We had taken a packed lunch, some ciabatta bread, olives, some sliced beef and homemade coleslaw, it was lovely! Really nice to just do something we haven't done for ages, spending only the fuel to get there. Dogs were exhausted afterwards, spend the rest of the night sleeping

mummybearx

Morning Diary,

Just checked the bank again, not looking too bad. Taking away the one DD left to come off, taking away my fuel and food budget, we have £170 left.

Not sure about my credit card payment though. It's saying minumum payment is due by 14/02, and I made a payment a few days ago of £60. But if I've set up a direct debit for the minimum payment, that will still come out even if I've made a payment, won't it?

If that's right, then we have about £140 left after everything is taken out.

DH painted the hall yesterday, it's looking fantastic! Need to get a new bit of carpet or something for the floor and two light shades. Wondering wether to buy them this month out of the £140, just so the hall is totally finished, or do without?