Bellas lonnnnnng road to being DF... Time to speed up!!!

bella2121

Afternoon

Just a quick check in not been a very productive day today I'm afraid I'm achy today and my stomach hurts plus I'm tired, just trying to get DS2 asleep then I can get something done

I have managed to ring and book hairdressers for Friday (now just got decide how to have it cut) we are going out Saturday night for OHs birthday which will be nice we haven't actually been out this year! Except the odd Sunday afternoon not out at night without the kids though, and OH has been working full time plus 40odd hours over time for the last 3 weeks so will be nice to spend some time together.

On the positive side it's going to be a no spend day today OH has got a prescription to get but says he doesn't need it til weekend so that can come out of next weeks money.

Right I need a coffee will post later xx

bella2121

Well my no spend day didnt work out OH wanted something from chemist so went to get that while I was there bought a hair dye which I was going to get tomorrow anyway a bargain at £2.49 a lot cheaper than the hairdresser, DS1 wanted chippy for tea so I gave in and got it for him less than £3 for both the kids and saves me cooking, although did have to raid my emergency bit of money.

Going to Hoover round when kids have finished there tea and my pain killers have kicked in, my backs killing me today really not in the mood xx

bella2121

Afternoon all

Well I've done the following SOA not sure if its right or not but it gives you all an idea ill post it then comment on some of the items that are confusing lol

Statement of Affairs & Personal Balance Sheet

Summary

Monthly Budget Summary Amount(£)
Total monthly income 2,934.5
Monthly expenses (incl. HP & secured loans) 2,015.44
Available for debt repayments 919.06
UNsecured debt repayments 826.04
Amount left after debt repayments 93.02
Personal Balance Sheet Summary Amount(£)
Total Assets (things you own) 115,000
Total Secured & HP Debt -107,700
Total Unsecured Debt -7,136.31
Net Assets 163.69
Household Information

Number of adults in household 2
Number of children in household 2
Number of cars owned 1
Income, Expense, Debt & Asset Details

Income Amount(£)
Monthly income after tax 700
Partners monthly income 2100
Benefits 134.5
Other income 0
Total monthly income 2934.5
Expenses Amount(£)
Mortgage 510.4
Secured/HP loan payments 243.32
Rent 0
Management charge (leasehold property) 0
Council tax 115.5
Electricity 118
Gas 118
Oil 0
Water Rates 35.52
Telephone (land line) 0
Mobile phone 43.62
TV Licence 12.54
Satellite/Cable TV 80
Internet services 0
Groceries etc. 300
Clothing 50
Petrol/diesel 80
Road tax 40
Car Insurance 41.42
Car maintenance (including MOT) 0
Car Parking 0
Other travel 0
Childcare/nursery 0
Other child related expenses 10
Medical (prescriptions, dentists, opticians etc.) 0
Pet Insurance/Vet bills 0
Buildings Insurance 22.48
Contents Insurance 0
Life Assurance 0
Other Insurance 0
Presents (birthday, christmas etc.) 100
Haircuts 0
Entertainment 0
Holiday 0
Emergency Fund 94.56
Total monthly expenses 2015.44
Secured & HP Debt Description Debt(£) Monthly(£) APR(%)
Mortgage 89000 (510.4) 0
Secured Debt 18700 (243.4) 0
Secured & HP Debt totals 107700 - -
Unsecured Debt Description Debt(£) Monthly(£) APR(%)
MBNA 595.21 50 0
MBNA 3652.64 50 0
Lowell 1148.63 30 0
HMRC 0 50 0
Vanquis 990 56 0
Vanquis 461.38 28 0
Barclaycard 39.25 5 14.9
Pounds to pocket 249.2 49.84 278.3
Everyday finance 0 186.1 127
Car finance 0 231.1 29.9
Moorcroft 0 90 0
Unsecured Debt totals 7136.31 826.0400000000001 -
Asset Description Value (£)
Cash 0
House Value (Gross) 115000
Shares and bonds 0
Car(s) 0
Other assets (e.g. endowments, jewellery etc) 0
Total Assets 115000

bella2121

Ok well that's a bit shocking really

First things first, I have recently changed my hours at work and not had an accurate wage for a few months been overpaid etc so the £700 is what I would expect to get on a standard month, although I am on the sick at the moment and am going on maternity leave at the end of the month so this amount will change at some point.

I have put OHs income as an average he gets paid weekly and his wage varies from around £450 to £800 per week depending how much the £100 per month for presents is £25 per week which is taken from OHs wage before he receives it, he is also paying £25 per week for tools at the minute but this will be the last payment next week, until he needs more.

gas and electric is a combined payment of £236 per month this inlcludes some arrears which will be paid off by February next year.

Some of the balances are rough estimates ie mortgage, secured loan and I don't know what some of the balances and aprs are as they are in OHs name so will get him to enquire about those and update ASAP

My main concerns at the moment are pounds to pocket!! It was during a stupid rough patch last year and I just want it paid ASAP there are 10 payments left and its paid fornightly 24.92. The everyday finance loan although high interest, was taken out to get out of the payday loan trap, we do pay it weekly and have just completed our first month of payments and its the first month for a long time everything paid on time without having to borrow from here there and everywhere.

Any other thoughts or questions appreciated x

bella2121

Afternoon all

Well this weekend was very spendy with it being OHs birthday so need to get back on track. I have been to farmfoods today spent £63 this included lots of drinks and freezer items plus stuff for a BBQ at the weekend. I should have enough bread and milk until Friday.

My sick note runs out on Friday so need to go back to the docs and get another there's only 3 weeks until I start maternity leave

OH is massively on board now with the money saving he has said it before but Definitely seems more positive this time just hope it lasts

Anyway hope everyone's enjoying the sunshine take care all x

OrangeFairy

Hi Bella

How are things going?

I am glad that hubby is on board. It makes such a difference when both of you are working towards the same goal

I hope you are enjoying the sun xx

OF x

bella2121

Hi OF

Yeah things going fine. I'm now signed off work til the start of my maternity leave so no more work for me til next year it's a good feeling.

Had a lovely BBQ today had a good laugh and kids all had fun right I'm off to bed now so tired xx

OrangeFairy

Hi Bella,

I hope things are going well and you are enjoying time off with the kids.

How many weeks until your little lady is due? Are you all ready for her arrival?

I work in the nursery industry for a baby changing bag manufacturer so I am always interested in new additions

OF x

bella2121

Thanks OF

Yeah I'm enjoying time off with kids nice to just get up and not have to get dressed lol

I've been doing loads of sorting out over last week Ill post more details tomorrow

Baby is due 7 weeks but I'm having a section so should be in next 5-6 weeks eek it's come too fast.

I've been keeping up with your diary too your doing fab! Not long til your loan is gone

Take care x

bella2121

Morning all well I've been neglecting my diary a little need to get back on track it's officially my first day of maternity leave today so need to start getting things sorted.

The first week of the holidays have been quite productive I've cleaned out all the drawers in all my bedrooms, got rid of old clothes, some in the bin some in a bin bag to be sold on Facebook selling sites, also rearranged the drawers to make room for new babies clothes (she's got more than me! Bought sleepsuits from eBay and a bundle from Facebook so very Mse )

Money's in the bank for most of the bills rest will come out of OHs Friday wage everything upto date just had a payment from one poll which will be used if we need some bits this week, anything left over on Thursday will go onto my post office budget card which in going to put towards the car tax not due til end of October but want to have save at least half of it on the card.

So things I need to do today,

Ring tax credits to finalise last years figures
General day to day cleaning (done a lot of this already)
Try to get some stuff listed on Facebook selling site
Write a list if things still to get for new baby

Hope everyone has a good day take care x