Afraidandconfused Jumps in to join the wannabe debt free...

Afraidandconfused

After recently posting over on the DFW board and ending up reading diaries for hours, I have decided I NEED to join in. There are some truly inspirational people on here and I can only hope to be half as good as some of you :A

I will copy my SOA over from my first post

I should add, we haven't actually had Housing benefit/council tax benefit yet.

Nor have we received any JSA yet should be sorted this week.

Statement of Affairs and Personal Balance Sheet[/b]

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

Monthly Income Details
Monthly income after tax................ 0
Partners monthly income after tax....... 0
Benefits................................ 961 (This will be JSA/CB/CTC)
Other income............................ 0
Total monthly income.................... 961

Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 56 (After housing benefit)
Management charge (leasehold property).. 0
Council tax............................. 0
Electricity............................. 50 (Prepayment, £5 a week goes to debt)
Gas..................................... 50 (Same as above)
Oil..................................... 0
Water rates............................. 45 (£30 new bill, £15 off arrears)
Telephone (land line)................... 0
Mobile phone............................ 25 (2 moblies)
TV Licence.............................. 13
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 250 (This includes everything, nappies for 2 children, formula for one coming to at least £60 a month)
Clothing................................ 0
Petrol/diesel........................... 0
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 15 (appointments)
Childcare/nursery....................... 0
Other child related expenses............ 10 (This is eldest dinners/snacks at nursery funded 15 hrs for 2 year old)
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 8
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 5 (Only DS)
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 527


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

No Secured nor Hire Purchase Debts

Unsecured Debts
Description....................Debt......Monthly.. .APR
Rent...........................2300......80....... .0
Family.........................5000......100...... .0
Council Tax....................350.......50........0
Family 2.......................1500......50........0
Total unsecured debts..........9150......280.......-


Monthly Budget Summary
Total monthly income.................... 961
Expenses (including HP & secured debts). 527
Available for debt repayments........... 434
Monthly UNsecured debt repayments....... 280
Amount left after debt repayments....... 154

Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -0
Total Unsecured debt.................... -9,150
Net Assets.............................. -9,150

Afraidandconfused

Bit about us, there's me DH 2 children and one due in March. We also have a lovely dog that will see us complete when baby arrives

We have only recently claimed for benefits after DH had his second injury at work in under 6 months. He is now looking for work elsewhere. Hoping this doesnt take too long

Any help is welcome, I have to say this is the first time coming "clean" about how much our debt actually rules what we do

sleepygirl126

the most important things are rent and council tax.....make those your priority debts.
I don't think stepchange or anyone will help you as your debts are not owed to companies.
do you need 2 mobiles? can you get rid of one while you're both at home?
check out the old style money saving expert thread for advice on thrifty ways.
can you sell stuff at a car boot or ebay and start to catch up with your rent?
go to citizens advice and check that you're getting everything you're entitled too as well
best of luck

Afraidandconfused

The rent is definitely my first priority right now (I'm not sure if you read the other thread about being court for the possession order on the 11th December.

I need to get some plans into place as we have the grand sum of £2.32 left and over a week until money comes in

My house is also a mess! My ironing pile (if it can even be called that more of cupboard is bigger than me) The kids rooms are a disgrace and mine isn't much better!

Everything is a mess and getting on top of me and the money situation just doubles the weight on my shoulders

Afraidandconfused

Today hasn't seen any progress on anything.

I have made Breakfast,lunch and dinner from things in.

The kids are bathed and sorted.

I need to get some ironing and cleaning done.

I need to look into listing on eBay etc making some money to see us through.

BEAT_THE_DEBT

Break everything down into manageable chunks eg 30 mins of ironing per day. And money...... well one change at a time xx Good luck

Antwerpen

Hi, just wanted to say good luck

Check out Fiscal Fast-7 days no spending, it's all about using the resources you already have, like food. Etc, very interesting. It's in Old style moneysaving, I can't post the link.

Keep calm, can the kids help tidy up their rooms? Make it into a game? Can they help by doing chores around the house? I'm lazy, I don't iron unless I have to . Unfortunately I have to do my work shirts. Can you go through the clothes and fold ones that aren't too creased?

Write a list of goals you want to get done everyday and tick them off as you go, I'm sure you're doing more than you think. I need to set up a schedule and stick to it.

Afraidandconfused

Thank you for reading and replying.

I have managed to
Bleach the bathroom
Sorted the kids rooms, removed toys and basically emptied the clutter.
Sorted my room.

Tomorrow I will
Hoover and clean the kids floors, skirting boards etc
Same in my bedroom
Do down the landing stairs

Straighten downstairs.

I have enough food in to easily see us until Thursday.

Afraidandconfused

Okay all debts are being organised.
So real balances
Rent £2302.89 (£60 paid)
Council Tax £340.53
Fine £183 (£15 paid)
Family 2 £?

So received one weeks JSA today must mean things are being sorted.
Paid £60 to rent
Paid £15 to fine

Family loan 1 is actually my mum. However I have been talking to her and this is now wrote off (but I will receive 5k less when she splits her house sale cash, long story behind this but we aren't really entitled I suppose and its been a huge help. My sister will receive the same though which makes me feel better.

Family loan 2 is a relative. I borrowed £1500, I pay weekly and never missed but I have NO idea how much is left owing When I pay her this week I will try and find out.

So now the bank has £32.22 in. I will pay more to bills when I know theres enough to see us through.

Afraidandconfused

Today I have:
Cleaned upstairs, yes actually cleaned the whole of upstairs.
Gone through downstairs
Made Breakfast, lunch and dinner from things in
Made a payment to court and rent
Returned court defence forms

Tomorrow I NEED to Iron.

Afraidandconfused

It seems confessing on here has really give me the kick up the rear to get things sorted.

My house is more organised than its ever been and everywhere is clean. So much so my mum asked if I was moving

All in the right direction. Bank balance still £32.22 hoping to not touch it until Thursday when I will need to write a list and get some food,wipes etc.