365 days adrift .... land ahoy!

rising_from_the_ashes

:hello: Robin lovely to see you too!

Are you still keeping a diary? (will have a hunt - oh my, I've so much to catch up on!!)


New vets is in Musselburgh so a bit further away for everyday stuff BUT a heck of a lot closer should it be needed OOH - was getting a bit p'd off with my old one on costing issues too so time for a change I think!

Maisie sends waggles back at CD!

rising_from_the_ashes

Now ..... does anyone know where I can get a decent & cheap set of car mats?

Unfortunately the car didn't come with any - Hyundai ones are £45 :eek: and I've found similar ones online for £20 (delivered) BUT you have to be in to sign for them so no good for me

Typically (and I guess to try to get you to buy theirs ) there are clips they have to fit too AND the footwell is very oddly shaped

My dad gave me an old set of his today & the back ones are fine :T BUT the front ones are awful if I'm totally honest (they came out a car they had several years so are very worn - could live with that BUT they've also been cut to fit that cars' footwell - and don't fit mine at all!)

Any suggestions please


I also need to try to save up around £400-£450 (to add to the £360 I've still to pay for my tooth :eek:) for new winter tyres & wheels ...

As I'm going to keep this car min 4 & hopefully at least 5 years, it makes sense to buy another set of wheels & put the winter tyres onto those

Putting tyres on / off wheels twice a year isn't that great for the wheels (my alloys on the old car were quite scratched / marked from this) - not to mention the cost ...... about £50-£60 each time

So, the cost of the wheels (approx £200 if I can find a 2nd hand set) will be more than made back in a couple of years:T


Have 7 months tax to get back from the old car (approx £70) which can go towards them & hoping to sell the winter tyres from the old car as they should have a good 12-15k left in them ..... and have £100 saved which would've gone towards the service on the old car

Still a fair bit short though .....

rising_from_the_ashes

SOA ..... again!

Seem to have a bit more left BUT cut car cost so ....

Needs looking at - but 1st bash:

Statement of Affairs and Personal Balance Sheet

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

Monthly Income Details
Monthly income after tax................ 1390 - Current, don't want to incl new salary as short term
Total monthly income.................... 1390

Monthly Expense Details
Mortgage................................ 280
Secured/HP loan repayments.............. 0
Rent.................................... 0
Estate maintenance charge ........... 11
Council tax............................. 95
Electricity............................. 40
Gas..................................... 40
Bank account fee....................... 6.5 Already downgraded - use perks attached to this
Water rates............................. 0
Telephone (land line)................... 16.5 line rental paid annually (£156 - saving £3.50 / month which pays for anytime calls)
Mobile phone............................ 16.99 New contract
TV Licence.............................. 12.12
Satellite/Cable TV...................... 27 Don't go out so this is my entertainment!
Internet Services....................... 6.49 1/2 price until Jan 2015
Groceries etc. ......................... 200 Not been tracking this but spending around £30 / week so shouldn't be much over
Clothing................................ 25
Petrol/diesel........................... 130 Estimate for new car, fuel consumption looks to be better than old one
Road tax................................ 12
Car Insurance........................... 25 Estimate - due for renewal Sept 14
Car maintenance (including MOT)......... 20 No servicing costs until 2018
Car parking............................. 5 New charges being introduced by council should hopefully be an annual ticket
Dog ............................ 40
Cats ....................... 60
Dog / Cats ............ 20 Routine stuff eg boosters (which are ridiculous at about £50 EACH), wormer, flea/tick etc
Medical (prescriptions, dentist etc).... 25
Pet insurance/vet bills................. 40 With Axa (have sold out) so may move to Accident & Injury policies at renewal & save money
Buildings insurance..................... 10
Contents insurance...................... 10
Life assurance ......................... 6
Income insurance......................... 40 Getting ridiculous - must cancel & save money instead (medical side is useless as have pre-existing conditions & get sick pay & would get redundancy)
Presents (birthday, christmas etc)...... 10 Cut to min
Haircuts................................ 5
Entertainment........................... 20
Holiday................................. 20
Emergency fund.......................... 25
Total monthly expenses.................. 1299.6


Assets
Cash.................................... 500 Pretty much accounted for (tooth, wheels etc)
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 13000
Other assets............................ 0
Total Assets............................ 13500


Secured & HP Debts
Description....................Debt......Monthly...APR
Mortgage...................... 0........(280)......3.49
Total secured & HP debts...... 0.........-.........-

Unsecured Debts
Description....................Debt......Monthly...APR
Total unsecured debts..........0.........0.........-


Monthly Budget Summary
Total monthly income.................... 1,390
Expenses (including HP & secured debts). 1,299.6
Available for debt repayments........... 90.4
Monthly UNsecured debt repayments....... 0
Amount left after debt repayments....... 90.4

Personal Balance Sheet Summary
Total assets (things you own)........... 13,500
Total HP & Secured debt................. -0
Total Unsecured debt.................... -0
Net Assets.............................. 13,500

Created using the SOA calculator at https://www.stoozing.com.
Reproduced on Moneysavingexpert with permission, using other browser.


Really need to start sticking away another £25 / month for the boiler (money got used )

mmmmmm

rising_from_the_ashes

mmmmm just checked my Nectar points total and have just over £5 :T

So ...... do I put it towards a very basic set of car mats (and hope I can cut them to shape better than the ones I have)

http://www.argos.co.uk/static/Product/partNumber/1165748.htm

OR

Do I put it towards a very much needed shelving unit for the garage

http://www.argos.co.uk/static/Product/partNumber/7017728.htm

(I really need 3 or 4 of these but will have to get them gradually)


ETA shelving units seem to be out of stock *sigh*

beanielou

New job
M & D's move Good they will be nearer :j

beanielou

Research if there is a local to you FB buying/ selling page.
I have had great bargains on ours

rising_from_the_ashes

beanielou wrote: »

Research if there is a local to you FB buying/ selling page.
I have had great bargains on ours

Yup there is one so will keep an eye out

beanielou wrote: »

New job
M & D's move Good they will be nearer :j

Really pleased M&D are moving - their current house is beautiful BUT very isolated (they were cut off for 7 weeks in the bad winter) and my dad doesn't keep the best AND the garden is just getting too much for them (approx 3 aces :eek:)

I think they're a bit disappointed they're not closer - they were trying to find somewhere here but there wasn't really anything on the market at the time (last min offer & we must be in ASAP type of offer) and they didn't want to rent for a bit (which I suggested) as my dad didn't want to move twice - and I can see where he's coming from

TBH they've got a LOT more for their money than they would've done here - and it's a lot closer than now (30 mins compared to just under an hour - the extra 15 miles took nearly 30 mins :eek:)

It's a lovely wee village & there's a couple of buses (no public transport where they are now) and a village shop (again nothing like that!) so if they can't drive, they can still get about

Garden is what I'd still call huge but tiny compared to their old one & much more manageable AND it's a bungalow which will be great for dad as he does struggle with the stairs now

All in all, it's a lovely house & I can see them being there IYKWIM

Also, I said to him yesterday - I took Maisie to Yellowcraig on Weds night (trying to use up fuel in old car! ) and it took over 20 mins ... and that's only about 12 miles from me

Hehe - rambling again!

rising_from_the_ashes

Plan for today


Have decided to go & get the car mats - the ones in are awful

I have £5+ in Nectar points :T (can't remember if you can only spend these in set amounts?), £3 from the 20p coin jar (really need to get a grip on these as they've got a bit out of control again ) so that only leaves me £5 to pay :T

Will also pop into Lidl (not one near here unfortunately) as use their washing liquid & love a few of their food bits

Last stop will be the big Mr T - must try not to get carried away as there's so much more stuff than in our small ones :eek: BUT need a few bits I can't get here & have a £4 off £30 spend till spit :money:

Hopefully the sun will still be out when I get back (this is when I wish shops opened really early on Sunday!) and I'll get some bits of housework done & then Maisie for a nice walk


Must fill in CPP forms - I had already done this ages ago but rang them last week as I'd never heard anything (not even a 'no' letter) and they said they'd never received them :eek:

Can't believe I need to do them all again BUT have found Martin's templates :money: so sure that will cut down on the time spent AND make them better than the original ones I sent off


Have a fabby Sunday all - just realised how much I've missed rambling away on here!!

*Robin*

Hi Rising, :hello:

rising_from_the_ashes wrote: »

Are you still keeping a diary? (will have a hunt - oh my, I've so much to catch up on!!)

Yup, still plodding..

rising_from_the_ashes wrote: »

New vets is in Musselburgh so a bit further away for everyday stuff BUT a heck of a lot closer should it be needed OOH - was getting a bit p'd off with my old one on costing issues too so time for a change I think!

Had to dig out UK road atlas to find Musselburgh (g00gle earth not working). Alas, it's further away from the Perth area than I was hoping. CD isn't very well, so I need to find a sympathetic vet in each of the places we'll be visiting - still, given the overall distances involved I may well get back to you for your vet's number.. :cool2:

Hope you found the 'right' mats for your new car - all those shops open on Sundays now? Wow.

rising_from_the_ashes

*Robin* wrote: »

Had to dig out UK road atlas to find Musselburgh (g00gle earth not working). Alas, it's further away from the Perth area than I was hoping. CD isn't very well, so I need to find a sympathetic vet in each of the places we'll be visiting - still, given the overall distances involved I may well get back to you for your vet's number.. :cool2:

Hope you found the 'right' mats for your new car - all those shops open on Sundays now? Wow.

Ahhhhh - one of my pals lives near Perth so I've dropped her a quick message asking if she can recommend any vets

Will drop you a PM if I hear anything ...... happy to give you my vets no too if it helps (and at least you know there's on site out of hours as well)


Back from shopping - loads of shops open