365 days adrift .... land ahoy!

mooomin

Not all home insurance companies charge extra for paying by direct debit, and it's a lot of money to find in a lump compared to a wee direct debit, so that's what I do It's a lot better to pay your car insurance in a lump because so many of them charge that premium and (for me anyway) it's a bigger charge.

You'll be fine - you're good at this MSE lark when your head is in the game. Keep focussed and keep posting

Nice to "see" you back!

rising_from_the_ashes

Thanks Moo

Honestly, I've been doing this long enough to think that a few months without writing everything down shouldn't mean that I've totally derailed .... but I have!

You're right about the car / house insurance thing too - I've paid both in full for a couple of years now - will do the house by d/debit and hopefully save up enough for the car one when it's due (Sept)

rising_from_the_ashes

Right .... here goes .... SOA - 1st draft & will need some working on!

Statement of Affairs and Personal Balance Sheet

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

Monthly Income Details
Monthly income after tax................ 1380
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 1380

Monthly Expense Details
Mortgage................................ 280
Secured/HP loan repayments.............. 0
Rent.................................... 0
Management charge - estate maintenance . 12
Council tax............................. 95
Electricity............................. 40
Gas..................................... 35
Cats.................................... 50
Dog .................................... 40
Telephone (land line)................... 15 £142 annually for line & £3.50/month anytime calls
Mobile phone............................ 17 new contract (prev £22:))
TV Licence.............................. 12
Satellite/Cable TV...................... 25
Internet Services....................... 6.5 new contract unlimited for 24 mths(prev £12.99:))
Groceries etc. ......................... 200
Clothing................................ 30
Petrol/diesel........................... 130
Road tax................................ 10
Car Insurance........................... 20
Car maintenance (including MOT)......... 40
Bank account fee ....................... 6.5 do use perks of this
Other travel............................ 0
Tablet insurance ....................... 2.5 Get rid?
Mobile insurance ....................... 6
Medical (prescriptions, dentist etc).... 20
Pet insurance/vet bills................. 50 *
Buildings insurance..................... 10
Contents insurance...................... 10
Savings for new boiler ................. 25
Redundancy insurance.................... 40 Gone up again recently thinking of cancelling & saving money
Presents (birthday, christmas etc)...... 20
Haircuts................................ 10
Entertainment........................... 40
Holiday................................. 25
Emergency fund.......................... 25
Total monthly expenses.................. 1347.5


Assets
Car(s).................................. 4500
Total Assets............................ 4500

Monthly Budget Summary
Total monthly income.................... 1,380
Expenses (including HP & secured debts). 1,347.5
Available for debt repayments........... 32.5
Monthly UNsecured debt repayments....... 0
Amount left after debt repayments....... 32.5

Created using the SOA calculator at www.stoozing.com.
Reproduced on Moneysavingexpert with permission, using Firefox browser.


mmmmm things seem to have crept up a lot as that's my new wage & I've not got a huge amount left over (which could partly explain the overspending)

Pets insurance - our insurer has pulled out the market Archie is at an age where he would have a 20% of cost (on top of excess) applied with other insurers - Maisie will be the same in approx 6 months time

Have been looking to move them to accident / injury policies for a while but not been brave enough yet

I've been trying to save a buffer to cover any emergencies BUT Maisie keeps having to go to the vet for small silly things - that all seem to cost £100 - £150 (not worth claiming) so not making progress on this (It wouldn't leave me more disposable money as would still put money previously spent on insurance away for them)

Groceries is still ridiculous & still not making any headway on this - diet is still very restricted (and sadly expensive)

rising_from_the_ashes

So just sorted out Maisie's food cupboard and .....

I knew I had a lot of her wet food (had some stuff to take back to PAH recently & didn't have the receipt so had a credit note & got loads of stuff as it was on offer ) but .... even so ......

Let's say that I don't need to buy any wet food for her for errrrr ... will I feel better if I actually write it down:o.....

OK .... here goes ..... deep breath ....

6 months :eek:

*sigh*

I do only have the one bag of dry though! (which we're currently using - should last approx 2 months)

Need to do similar stock takes for the cats - although I know they're not as bad - maybe 3 months?


My stock piling is getting a bit out of control again - since I've had to stop my really strong painkillers, I've noticed my OCD getting worse too so I guess they were maybe helping keep those under control (as well as the pain from my foot)


MSE resolution NO 1 .....

NO buying any wet food for Maisie until at least September .... no matter how good the offer is

beanielou

Look on the bright side, you have no debt

rising_from_the_ashes

Hi Beanie:D

Noooooo BUT I don't have any savings left either as just used the last meagre dreggs to pay off the c/card that seemed to have got stuck with a balance (I'd been so good with this for about 3 years as well clearing it every month:mad:)

*sigh*

Do you think you're every really cured of over spending - or is it like any other addiction that if you do it, you'll always be very tempted to do it?

beanielou

Sadly I think it is always a tendency that you err too.
Just like(for me) wanting to eat all the wrong things.
I think I will always have an ongoing fight with my weight.
Bah is all.

rising_from_the_ashes

Whoooooo hoooooooo :j

Had a NSD :j:j:j

Must be my first for errrrrr a LONG time!

slowlyfading

Well done you :j :j

LAM2011

RosaBernicia wrote: »

:rotfl::rotfl::rotfl:

Top typo (I assume... )


R xx

Oh dear lol :o:o:o :rotfl:

Not been on here in ages shows I should learn to read what I am posting!