Shamus dfw diary- a long long road

shamu95

Morning- glad you have the weekend off. i have today off- my only day off this week. got an extra shift on sunday.
I am going to do my new plan in a min- i tried to do it all proper montly budget but as i said with way everything gets paid i got really confused.
Re OH i have to buy him this radio for the priveledge also- he dont do anything if nowt in it for him unless its for family- yup thats right i am not family as not got same blood.

How are you feeling today and have you had any good luck?

SortingIt_2

Can't beleive he doesn't class you as family! Some people really do have the wrong ideas about life and reality. I really wish he would do something for you, just because he loves and cares for you... no other reason. It frustrates me! Sorry! You are such a nice person and are working SO hard to sort yourself out, you deserve more! Right rant over!

Enjoy your day off - make the most of it. Good luck with the new - look forward to it.

I am doing OK - still a little down but much better thank you. I am just lookig forward to a nice weekend.

xxxx

shamu95

Have just spent the last hour or so trying to figure out a new SOA and i am struggling. I seem to still have minus figures and it just dont make sense.
I am going to transfer the £4000 off citifinancial which would leave a balance of somewhere just shy of £8000. Then i aim to clear this before christmas. I am banking on winning back my bank charges which should be £3000 which i will pay straight off this one-so fingers crossed there.
Abbey have put my min payment up to 5% which could account for minus and tax credits now have to go to joint a/c and i stop ferrying my mum around from next week. Taxi box earnings have also gone down to about £5 a month.
Looking at things on paper i am worse off yet i know that this isnt possible.
Any financial whizz out there care to help me out? please?

SortingIt_2

Hey there,

Just posting as feeling SO bored at work today, can't seem to knuckle down and concentrate at all. Wish I could find a job that I love doing... is that possible???

Hope the plan is coming along? Kids being good for their Mummy?

I think we are sitting down to go through money etc this weekend - should be interesting... hate it! Dominates my life so much!

Right better look as if I am doing some work. Speak soon x

SortingIt_2

Sorry posted more or less at the same time!!

Sounds confusing as you know you shouldn't be at a minus?? Maybe if you post a full SOA (income and outgoings) might be able to look at it in full to see what is what?

Roll on lunchtime!!!

shamu95

Hi i think that you are very lucky if you manage to find a job that you love and that pays decently.
Kids are at playgroup for another half hour yet-giving me the peace and quiet i need to revise my SOA.
I shall post it up in tick.xx

shamu95

Join Date: Feb 2007
Post Count: 173
Thanked 48 Times in 40 Posts help. my SOA

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Essential outgoings

secured loan £36000 @ 7.9% fixed for 2 years £301.79
joint account £520 totally non-negoitable. have spoke to partner millions of times but like talking to brick wall. my debts my problem.
shopping £100
savings £40 cashbuilder account currently worth £1800
emergency fund £25
mobile £35 inc free broadband
insuranc £6
income protection £7.50
Pension £31.88 have sent a letter to stop this but need to follow up
car £50 inc parking
gym £12 3 year contract and try as i have i cant get out of it
Total £1094.17

debts.

Citifinancial £12572.89@15.95 £377.19
halifax visa £6500 @ 22.53% £130
abbey £1762.19 @ 22.44% £88.20
Morgan stanley £860 @ 0% £18
Mbna £2282 @ 0% till may 08 £64
Capital one £1675 @ 13.1% £50


£727.39 per month

Income

main job £1200
Avon £50
child benefit £118
grandparents £100
'taxi' box £5
Playgroup £45.11

Total £1518.11

I get this as a minus of £303.45 which can not possibly be right. I have taken off the money i owe my dad.
I do obv do mystery shopping,surveys and ebay but none are reliable and i have done lots and lots of extra shifts. How do i put this in?
I havent taken into account that my pension is stopping and i have someone to transfer gym membership to and my savings should be going.
Also havent put in the £4000 that will be going off citi- there min payment is 3% as is the card its transferring to and the charge is also 3%.

Any thoughts?

SortingIt_2

Hello,

I am at work at the minute so can't sit down and go through it properly but I will have a good look at it tonight when I get home from work. I am sure you'll get some posts back in the meanwhile.

Enjoy the rest of your day off - can't wait to go home!!

xx

SortingIt_2

Are you still cashing in your savings?
x

SortingIt_2

Hey there,

System has gone down... am I right (forgive me if I am not) but your total essential outgoings is £1129.17 - or have you left something out.

How is your afternoon? Still haven't had a proper look through. Seems we are in very similar state re debt amounts my dear.... heres to some challenging months ahead together!! xx