New Year = New Start

Ammeretto

Well as the title suggests a New year is just begging for a whole new start

I started a diary before but although i always seem to be on the site i spend all my time lurking on other peoples diaries and no time posting on my own.

I will be more in control and organised in 2013.
This means posting regularly.
I will post my updated SOA shortly and my debt totals :eek:

I have joined the pay off all your debt in 2013 challenge and i'm aiming for £13,236.09 as my total - Already £274.37 paid :j

Was expecting a NSD today but as DS2 was getting very hyper and the weather here was just awful i ended up taking him to a play farm.
Entry was £5.95 and i spent £6.05 on drinks for me (coffee as it was soooo cold in there) and DS2. He had lots of fun though and really tired him out. He fell asleep in the car on the wasy home. Bless

On a more MSE note i noticed that i needed to get some more flea treatments and worming tablets for the cats. Last time i bought some Advantage it was £18.99 for 4 pipettes in Pets at home, and Drontal was £6.99 for two tablets :eek:

I found a website where i could get the Advantage for £9.49 for 4 pipettes and Drontal for £1.67 per tablet

They had an offer on for 10% off advantage and a further offer for 10% off your first order and free delivery.

So i stocked up and got enough to last for the whole year for two cats (so 6 boxes of Advantage and 8 Drontal tablets) all for £57.61. :j
Pets at home would have cost me £141.90
so i saved £84.29 over what i would have normally spent throughout the year
SOOOO chuffed :T

Ammeretto

well here goes - My SOA

Statement of Affairs and Personal Balance Sheet

Household Information
Number of adults in household........... 2
Number of children in household......... 2
Number of cars owned.................... 2

Monthly Income Details
Monthly income after tax................ 1875.17
Partners monthly income after tax....... 1181.59
Benefits................................ 134.8
Other income............................ 0
Total monthly income.................... 3191.56

Monthly Expense Details
Mortgage................................ 541.95
Secured/HP loan repayments.............. 0
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax............................. 100
Electricity............................. 60 Gas and electric
Gas..................................... 0
Oil..................................... 0
Water rates............................. 37.91
Telephone (land line)................... 14.60
Mobile phone............................ 47 for three mobiles
TV Licence.............................. 12.12
Satellite/Cable TV...................... 17.25
Internet Services....................... 25
Groceries etc. ......................... 260 average £60 per week
Clothing................................ 10
Petrol/diesel........................... 220
Road tax................................ 28
Car Insurance........................... 55 based on £300 car and £350 bike but suspect car will rise due to whole womens costs rising
Car maintenance (including MOT)......... 36
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 82 afterschool club for boys twice per week
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 4 free prescriptions as in Wales - just for dentist
Pet insurance/vet bills................. 27 insurance for two cats and flea treatments etc
Buildings insurance..................... 37.70 combined buildings and contents
Contents insurance...................... 0
Life assurance ......................... 39.88
Other insurance......................... 0
Presents (birthday, christmas etc)...... 70
Haircuts................................ 10
Entertainment........................... 9.29
Holiday................................. 0
Emergency fund.......................... 40
account charge.......................... 4.50 use for phone insurance, AA and travel insurance
Kids savings............................ 52
Total monthly expenses.................. 1841.15


Assets
Cash.................................... 200.06
House value (Gross)..................... 122000
Shares and bonds........................ 0
Car(s).................................. 2800
Other assets............................ 0
Total Assets............................ 125000.06


Secured & HP Debts
Description....................Debt......Monthly...APR
Mortgage...................... 89531.98..(541.95)....4.49
Total secured & HP debts...... 89531.98...-.........-

Unsecured Debts
Description....................Debt......Monthly...APR
Very ..........................192.95....0.........0 due Mar 13
Argos..........................442.47....0.........0 £297.48 due Apr 13 & £144.99 due May 13
B/Card ........................4105.27...110.......15.9
Loan...........................12448.79..466.11.....13.1 Ends Jun 15
Overdraft......................33.03.....33.03.....0 will be cleared Jan 13
Halifax........................1840......20........0 until Feb 13
Creation - OH..................4747......48........0 Until Sep 13
Creation - Me..................1601......18........0 Until Sep 13
Total unsecured debts..........25410.51..695.14....-


Monthly Budget Summary
Total monthly income.................... 3,191.56
Expenses (including HP & secured debts). 1,841.20
Available for debt repayments........... 1,350.36
Monthly UNsecured debt repayments....... 695.14
Amount left after debt repayments....... 655.22

Personal Balance Sheet Summary
Total assets (things you own)........... 125,000.06
Total HP & Secured debt................. -89,531.98
Total Unsecured debt.................... -25,410.51
Net Assets.............................. 10,057.57

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

Scuff

Hey Ammeretto, I'm subscribing! Like you I seem to have trouble posting on my own diary, but 2013 I'm getting back on track! Good luck

savvykaz

Hi Ameretto, would you mind telling me which site you've ordered your cat treatments from please? We have a cat and a dog and I'm shocked how much flea/worming stuff costs :eek::eek:. It's no cheaper if you buy it from the vet's either, they know that 'cos you love your pets you'll pay it!!
Cheers and good luck with your debt busting

Ammeretto

Hi Scuff

thanks for posting
i will have to find your diary

maybe we can keep each other on track

Ammeretto

Hi Savvykaz

It was this site http://www.medicanimal.com/

i also went through quidco for a further 5% off

i think the code for 10% off first order is 1DEC1. Im not sure when it expires though.

It is ridiculous the amount that the vets charge. such a mark up.
It is good mind knowing that i wont have to buy anymore for a whole year

Scuff

It's Scuff (no 'r') :rotfl: although I am a messy so & so it's a new year's res to keep the flat spick and span so don't be convincing me it's okay to be messy by changing my name :P

Keeping each other on track would be a great idea

Edit: Just noticed you corrected yourself as I was posting - I apologise for being so pedantic :rotfl: give me a slap

StressedSteph

Hi Ammeretto

Glad I found your diary. Good luck with everything. I have subscribed and will follow your journey xx

Ammeretto

Scuff wrote: »

It's Scuff (no 'r') :rotfl: although I am a messy so & so it's a new year's res to keep the flat spick and span so don't be convincing me it's okay to be messy by changing my name :P

Keeping each other on track would be a great idea

Edit: Just noticed you corrected yourself as I was posting - I apologise for being so pedantic :rotfl: give me a slap

I deserve the slap. Totally my fault and stupid fingers. It will teach me not to read through my ramblings before i click on post. Cant seem to type out the words that i want to :mad:
Its taken four attempts just to write that sentence.

I found your diary and i am about halfway through
will catch up the rest tomorrow as im sooo ready for bed now

StressedSteph wrote: »

Hi Ammeretto

Glad I found your diary. Good luck with everything. I have subscribed and will follow your journey xx

Hi StressedSteph
thanks for subscribing


There are some things i really have to do tomorrow so its time for a list

• Take meter readings and submit to Scottish power
• Give the cats their flea treatment
• Give Panda her antibiotics
• Chase up first plus re PPI refund
• Make sure that all choccies have been eaten by midnight. Think the kids might need to help with this one. Can anyone say Sugar rush? Starting diet on Tuesday

Think that's it for now
im off to bed

Ammeretto

There are some things i really have to do tomorrow so its time for a list
[STRIKE]Take meter readings and submit to Scottish power[/STRIKE] Done though they had a problem with their site so no instant bill. Expect to have spent about £95 this month in Gas and Electric.
[STRIKE]Give the cats their flea treatment[/STRIKE] Done
[STRIKE]Give Panda her antibiotics[/STRIKE] Done
[STRIKE]Chase up first plus re PPI refund[/STRIKE] Done. person before hadn't updated our new address
Make sure that all choccies have been eaten by midnight. Think the kids might need to help with this one. Can anyone say Sugar rush? Starting diet on Tuesday In progress

Today has been a little spendy
Went to specsavers for DS2 to get a new pair of glasses as he managed to lose his current ones. We then could also get another pair at half price so they cost £32

We also had a takeaway tonight costing £25.00

I have also bought some stuff through amazon but that was paid for by christmas amazon vouchers.

please-let-me-be-lucky

Hi ammeretto, just popping by to say hello.

I've also submitted meter readings and had a takeaway tonight! What thrilling lives we lead eh?! I can't promise to have all the chocolate eaten tonight though, we have mountains of the stuff!

Happy new year Xx