Fat girl's fight to lose 2 'pounds' by 11/12/13...

[Deleted User]

Oh my I love hash browns!!!!!

Well I started off with paying some CC's today cos I got paid early.

Still to go back to WW but I am gonna save that till the new year.

Will let you know the damage once I go back again.

Those delivery times are a nightmareeeeeeeeeeeeeee how on earth do they expect you to be able to stay in all that time at this time of year especially!

Dxxx

pm2326

Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 1
Number of children in household.........
Number of cars owned....................
Monthly Income Details
Monthly income after tax................ 1243
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 1243
Monthly Expense Details
Mortgage................................ 225 actually pay 300
Secured/HP loan repayments.............. 0
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax............................. 75
Electricity............................. 50 duel fuel
Gas..................................... 0
Oil..................................... 0
Water rates............................. 16.7
Telephone (land line)................... 0
Mobile phone............................ 25
TV Licence.............................. 12.12
Satellite/Cable TV...................... 0
Internet Services....................... 0 use free wi-fi
Groceries etc. ......................... 100 includes catfood
Clothing................................ 0 refuse to buy any
Petrol/diesel........................... 0
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 7.3
Pet insurance/vet bills................. 0
Buildings insurance..................... 18.89 combined
Contents insurance...................... 0
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 10
Haircuts................................ 10
Entertainment........................... 30 gym & 2 mag subscription
Holiday................................. 0
Emergency fund.......................... 15
Total monthly expenses.................. 595.01

Assets
Cash.................................... 0
House value (Gross)..................... 74000
Shares and bonds........................ 0
Car(s).................................. 0
Other assets............................ 0
Total Assets............................ 74000

Secured & HP Debts
Description....................Debt......Monthly...APR
Mortgage...................... 58500....(225)......4.54
Total secured & HP debts...... 58500.....-.........-
Unsecured Debts
Description....................Debt......Monthly...APR
overdraft......................2100......0.........22.9 haven't put a payment in but got charged £36 this month
catalogue......................189.......5.........29.9
Natwest........................1680......58.48.....22.9
NRAM...........................2424......68.84.....6.9
Lloyds.........................1009......80.33.....22.9
credit card....................1937......45........17
Barclays.......................6285......56.12.....20.1
SCS............................1025......25........0
Total unsecured debts..........16649.....338.77....-

Monthly Budget Summary
Total monthly income.................... 1,243
Expenses (including HP & secured debts). 595.01
Available for debt repayments........... 647.99
Monthly UNsecured debt repayments....... 338.77
Amount left after debt repayments....... 309.22
Personal Balance Sheet Summary
Total assets (things you own)........... 74,000
Total HP & Secured debt................. -58,500
Total Unsecured debt.................... -16,649
Net Assets.............................. -1,149
Created using the SOA calculator at www.stoozing.com.
Reproduced on Moneysavingexpert with permission, using IE browser.

Well here it is as promised, I've made comments in red to clear up any queries...do your worst lol :rotfl:

Buffythedebtslayer

hello

bit late, typical of me!

I also need to lose about 4 stone and pay off 7,000 pounds of debt.
I have a wedding to go to in March and have the most perfect black and white dress in the world to wear and MUST fit in it!!

am so tired after a day of shopping I can't think of anything to say.

going to fall asleep to Strictly now xxx

pm2326

Have just snowballed and it says my unsecured debt free date is August 2015...32 long months away

It recommended repaying the catalogue first and then the overdraft which is what I was planning on doing anyway...least I know I'm on the right track!

pm2326

Deleted_User wrote: »

Oh my I love hash browns!!!!!

Well I started off with paying some CC's today cos I got paid early.

Still to go back to WW but I am gonna save that till the new year.

Will let you know the damage once I go back again.

Those delivery times are a nightmareeeeeeeeeeeeeee how on earth do they expect you to be able to stay in all that time at this time of year especially!

Dxxx

Hi Dolly

The delivery turned up at 11.55 :T so had time to do all the stuff on my list

NewLeaf_2

PM deffo go for the catalog vultures first xx

WelshWoofer

Hi PM - hope you don't ind me joining in too?
I'm in a similar situation - single (happily divorced), live alone with a dog and have a steady teaching job. I lost just under 2 stone this year and have more or less maintained the current weight for the past month or two but I would like to be 7 lbs lighter and fitter. I was debt free (after working hard for it) but a divorce and a well needed holiday saw my CC creep up a bit again - all still manageable but would rather it not be there.

So I'll be watching your progress and chipping in from time to time if you don't mind?

Good luck!

PS I'd get rid of the catologue bill first too and then close the account, gets rid of the temptation. xx

TTC40

Hi there

I need to lose weight too - impressed with your gym attendance.

You seem to have a very controlled SOA, however, do you actually have £309 'left'' each month?

Why no travel costs?

Could you get your bank to give you an authorised overdraft (which you reduced each month), to avoid the high APR & costs?

Assuming you don't, it probably be good to keep a spending diary to write down every penny spent so you can reflect on where it goes.

Also you would be better off using the £75 which you overpay the mortgage to pay off the debts with high APR. It will get you to debt free quciker & you can then overpay your mortgage with the surplus you have each month.

Hopelessly_Hopeful

Morning

I am thinking of weighing in on a Saturday. Anyone else know what their plans are?

PM well done on gym

RE SOA I agreed with the others, no travel cost and paying debts before the overpayment on the travelcost.

I see you have an NRAM debt, could you be due a refund in the recent interest gaffe? Will keep my fingers crossed for you.

HHx

[Deleted User]

I will be weighing in on a Saturday too!

Dxxx