lurvlylurker does a diary

lurvlyloz

This weekend off to my friends house in London. train already paid for (£15 through my aunts friends and family), staying in & my friend is cookingm already have money on my oyster card so will be a relitivly low spend weekend.

really looking forward to is as meeting up with 4 other girls who are my friends from a different forum

lurvlyloz

as otnight is pay day weekend... its usually takeaway weekend. as i didnt want to not have oru normal treat... we've had asda make your own pizz & a bar of choc.... £4.50 rather than £15+. quite happy with that

ooo and wine for otnight & tomorrow is out of our reserve

lurvlyloz

hi there,

back from a gret weekend in london. so as expected was a low cost weekend. spent £17 in total so pretty happy with that. Usually on a payday weekend i can just fritter £50+ on nothing so im pleased.

have done a tesco shop to be delivered at 8-10 tomorrow night managed to get it a few quid under £35 so happy with that as well.

should hear about Hubs interview this week so fingers crossed for that. he's obviously still applying for anything going and contacting the agencies but month before isnt exacting good time for trade work but still trying.

im gonna go for this week being only spends on petrol and that is all.

next weekend we're out with some friends for a few drinks but that has been budgeted for and will be taken out in cash and once its gone...we're off home

feeling positive so going to try and keep these feelings up for the week.

hope you've all had a good weekend x

lurvlyloz

this months loan payment to mint gone out so only 2 payments left to go and that that loan completed. that one grates on me the most as i took it out ot help an ex out when he was suicidal with his debt. makes me bitter. BUT at least i've done it and i kept thehouse going through the tough times so everything happens for a reason.

Have updated my signature to show & am happy with my progress.

NSD today as i've brought my lunch with me and will not need petrol until tomorrow.

need to be careful, we get paid early this month (19th rather than 27th) because of christmas so i am goig to transfer my normal money int the bills account (thats household bills). pay my credit cards and then transfer the money that is left out into my savings account until its normal pay day. if i dont do this i'll be absolutly skint by january payday & putting stuff on my card so i definately dont wantto do that. Think date wise with my ccs i'll be fine so think this is the best plan of action.

im so glad i am not worrying about xmas this year. I have bought both mums a bunch of flowers (on groupon deals) and a book for a friends daughter (a living social deal) all with quidco cash back and thats it. no more presents. Hubs & i arent doing it and although i feel bad...id rather do that and pay more of my debt than not.

Have drawn up a schedule and i think i can be debt free by Oct 2014. seems like a long way off but once hubs is working that will come forward quite substaitally as the household bills wont be just covered by me

hope you have a good day people

lurvlyloz

oooh yesterday was a NSD as well i might join the challenge for December. not joined a challange before

lurvlyloz

This this is about right. i have put my payments as they are going to be from this month as the min payment. cont & build ins is combined. not sure i can really cut back on things really just need to not spend the "left over money" so at the en of them onth i am not in my over draft and can make extra over payments.

Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 3
Number of children in household.........
Number of cars owned....................
Monthly Income Details
Monthly income after tax................ 1776
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 260
Total monthly income.................... 2036
Monthly Expense Details
Mortgage................................ 365
Secured/HP loan repayments.............. 0
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax............................. 103
Electricity............................. 30
Gas..................................... 20
Oil..................................... 0
Water rates............................. 14
Telephone (land line)................... 18.5
Mobile phone............................ 45
TV Licence.............................. 13
Satellite/Cable TV...................... 17
Internet Services....................... 0
Groceries etc. ......................... 200
Clothing................................ 0
Petrol/diesel........................... 160
Road tax................................ 18.5
Car Insurance........................... 2.5
Car maintenance (including MOT)......... 25
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 6
Buildings insurance..................... 24
Contents insurance...................... 0
Life assurance ......................... 5.07
Other insurance......................... 8.85
Presents (birthday, christmas etc)...... 0
Haircuts................................ 0
Entertainment........................... 100
Holiday................................. 0
Emergency fund.......................... 100
Total monthly expenses.................. 1275.42

Assets
Cash.................................... 0
House value (Gross)..................... 90000
Shares and bonds........................ 0
Car(s).................................. 4000
Other assets............................ 0
Total Assets............................ 94000

Secured & HP Debts
Description....................Debt......Monthly...APR
Mortgage...................... 95000....(365)......2
Total secured & HP debts...... 95000.....-.........-
Unsecured Debts
Description....................Debt......Monthly...APR
barclaycard....................2685......90........0
Virgin.........................5236.52...275.......6.9
mint...........................305.07....101.6.....4
Total unsecured debts..........8226.59...466.6.....-

Monthly Budget Summary
Total monthly income.................... 2,036
Expenses (including HP & secured debts). 1,275.42
Available for debt repayments........... 760.58
Monthly UNsecured debt repayments....... 466.6
Amount left after debt repayments....... 293.98
Personal Balance Sheet Summary
Total assets (things you own)........... 94,000
Total HP & Secured debt................. -95,000
Total Unsecured debt.................... -8,226.59
Net Assets.............................. -9,226.59
Created using the SOA calculator at www.stoozing.com.
Reproduced on Moneysavingexpert with permission, using IE browser.

lurvlyloz

that wasnt as scary as i thought it was going to be haha

lurvlyloz

usually we buy a real tree but have decided as its £30 + i'm gonna put it towards the xmas food shop so we can have nice food and not have a tree

bit scroogish but o well x

Walaboobah

Are you not eligible for any form of Tax Credits? Sorry not sure what the threshold is now

Assuming you haven't forgotten anything on your SoA that's a fairly decent surplus to start throwing at your debts

[Deleted User]

Aha! lurvlyloz, I found you

Didn't realise that you had a shiny new diary, I've subcribed so I can be nosy lol.

Well done on what you've cleared so far, I will be following your progress so you can't escape.

Thank you for your kind words on my last post on my diary

Pmo2
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