A flash flood of colour.....

Rachiedabbler70

Sounds like you are doing really well. It's good to socialise - you can't scrimp all the time otherwise it all gets too difficult and miserable - sounds like you get a few good freebies from family and friends.


My mum always pays when we go out (she insists) so I invite her round for tea quite frequently in return - made her a lasagne which is sitting in the freezer ready for tea on Monday.


Have a lovely day - I'm off out shopping now.


Take care x

Antwerpen

I haven't posted in a very long time!!I think it's time I got back on track.

I'm still bringing down the CC's, very slowly tho.

I plan to be Debt free by March next year, I need something to aim for.

Lloyds and BC

I have just transferred £800 (+ £24 fees) to my Lloyds card, this is interest free until Jan, I need to transfer £600 to my BC before the 14th August, as the 0% interest runs out then. However the interest rate is 6.9% until it's paid off (beats the 19.9% tho).

I had a letter from BC saying that my limit is going up from 2800 to 4300.

I currently have £1836.65 on my BC, the interest rate is 1.527%.

Nationwide

My nationwide 0% runs out in September, I plan on shifting the remaining balance to either Lloyds or BC. I would try and get it down now, but with the summer holidays in 2 weeks I think I would find it very hard.

Tesco

Not sure when this ends, I need to call them up to ask. I know it was about 27 months 0%.

Very

I have £36 to pay off before 11th August, I will do that on my next payday (28th), £161.55 by 8th September,£64.80 by 3rd November and £211. by 23rd March.

I have a plan, hopefully it's do-able. March might not happen, but I want a lot of it gone by then.

I need to start meal planning and using a spending diary again!!I'm also going to re do my SOA. Sorry for the layout, I find it easier to read back.

Antwerpen

Statement of Affairs and Personal Balance Sheet

Household Information
Number of adults in household........... 1
Number of children in household......... 1
Number of cars owned.................... 0

Monthly Income Details
Monthly income after tax................ 514.87
Partners monthly income after tax....... 0
Benefits................................ 715
Other income............................ 150
Total monthly income.................... 1379.87

Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 160
Management charge (leasehold property).. 0
Council tax............................. 65
Electricity............................. 35 (Elec & gas)
Gas..................................... 0
Oil..................................... 0
Water rates............................. 28
Telephone (land line)................... 0
Mobile phone............................ 38.15 (ends Sept, going to go sim only)
TV Licence.............................. 12.12
Satellite/Cable TV...................... 5.99 (netflix)
Internet Services....................... 15.22 (I get a discount if I pay before my DD goes out- talktalk)
Groceries etc. ......................... 100
Clothing................................ 30
Petrol/diesel........................... 0
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 15
Childcare/nursery....................... 65
Other child related expenses............ 45 (My daughters school meals)
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 40
Buildings insurance..................... 0
Contents insurance...................... 12.66
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 15
Haircuts................................ 7.5
Entertainment...........................
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 697.63


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
BC.............................1836.65...50........0
NW.............................823.7.....25........0
Tesco..........................459.04....25........0
Very...........................533.53....100.......0
Lloyds.........................1424......50........0
Total unsecured debts..........5076.92...250.......-


Monthly Budget Summary
Total monthly income.................... 1,379.87
Expenses (including HP & secured debts). 689.64
Available for debt repayments........... 690.23
Monthly UNsecured debt repayments....... 250
Amount left after debt repayments....... 440.23

Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -0
Total Unsecured debt.................... -5,076.92
Net Assets.............................. -5,076.92

I think thats about right.....