Changing for good...a new start!

Baldybear

Good morning, well not really am off sick, bah, 99% likely I have another small outbreak of chicken pox, oh fantastic :cool:

So at least a NSD as am at home with steaming headache and just generally feeling bah

Good news a survey payment has landed, £27.99 have sent to Sains CC as this will attract interest if not paid off soon, so of the mark there

Target 1 - Insurance Savings overspend £156 - £131

Target 2 - new - Sains CC - £183.90 - Now £165.91

Baldybear

Good morning Back at work today, still feel carp but very busy

Few ebay sales last night, couple have paid so have sent £5.22 to sains cc, more to send when rest of people pay

Gas bill received this morning, am still £4 in credit but will leave that for now and monitor next month but they are reducing the direct debit from £18 to £16 a month so that will help overall Still waiting for my electric bill, should be another credit due but have to wait and see.

May put up a new SOA and see how it compares to previous.

Target 1 - Insurance Savings overspend £156 - £131

Target 2 - new - Sains CC - £183.90 - Now £160.69

Baldybear

Baldybear wrote: »

So my SOA (brief version)...

Salary £1513 plus a few pennies each month. Unfortunately no opportunity to get overtime.

Bills:-
£788 Mortgage
£114 council tax (single person discount)
£35 electricity
£18 gas (may be able to reduce this, just need to keep monitoring)
£33 water (cant get meter as would need to change pipework as shared supply so at present not worth the cost)
£53 tv, broadband, landline
£12 tv licence
£15 bank a/c charges (use for phone insurance, car breakdown, travel insurance etc)
£80 fuel
£33 mobile phone
£182 hossie livery
£90 hossie food/bedding
£100 groceries
£50 hossie trainer
£1603 (you can see a trend here )

Debts:-
£390 - Sofa repayment on 0% interest - pay £30.15/month
£5706 - Bcard CC - on 0% interest - pay approx £120/month
£415 - Sains CC - on 18.9% interest - pay approx £10/month
Total £6511
Repayments £160/month (min payments)

Total to pay out £1763/month

I keep £50 spare each month for misc spending so total up to £1810 a month.

I am aware I am about £300 a month short and at current my mum is subsidising me.

I am also aware that I have no savings and no money each month put aside for things like insurance etc.

New SOA March 2015 - the one above was September 2014. Changes in red

Salary £1513 plus a few pennies each month. Unfortunately no opportunity to get overtime. (no change)

Bills:-
£788 Mortgage
£114 council tax (single person discount)
£35 electricity
£16 gas
£33 water (cant get meter as would need to change pipework as shared supply so at present not worth the cost)
£50 tv, broadband, landline
£12 tv licence
£15 bank a/c charges (use for phone insurance, car breakdown, travel insurance etc)
£60 fuel
£33 mobile phone
£182 hossie livery
£75 hossie food/bedding
£100 groceries
£50 hossie trainer
£1603 (you can see a trend here ) Now £1563 - Saving of £40

Debts:-
Was £390 Now £209 - Sofa repayment on 0% interest - pay £30.15/month
Was £5706 Now £5087 - Bcard CC - on 0% interest - pay approx £115/month
£415 Sains CC Was Now 0
Total £6511 - Now £5296
Repayments £160/month (min payments) Now £145

Total to pay out £1763/month Now £1708 - Total £55 saving

I keep £50 spare each month for misc spending so total up to £1810 a month. Now £1758 - total saving of £52 a month

So over a few months have managed reductions of around £50:-
£2 a month gas
£3 a month tv/broadband/phone
£20 a month fuel
£15 on hoss food/bedding
£15 on debt payments (due to min payments decreasing each time)

Still a long way to go but glad seeing a decrease as least I know I am going in the right direction

Baldybear

Another ebayer has just paid so another small amount sent straight to Sains CC

Just checked my maths is wrong on some of the above calcs for the sains target, £10 out so looks a lot better

Target 1 - Insurance Savings overspend £156 - £131

Target 2 - new - Sains CC - £183.90 - Now £148.41

Baldybear

Good morning, so am off sick had a nasty sinus/chest infection Will go back tomorrow as have lots to do. Have done nothing all weekend, managed to get out of hours GP apptmt thursday evening got some happy pills to take but taking a long time to work.

Bonus is I havent spent anything all weekend, sitting in bed does that for you.

Have got some shopping today, wasnt sure on bank account so have put on credit card. Now am home have managed to work out my finances. Credit card with spends today wen up by £48.99 but have had some money in and new total below.

Had another ebay sale, some survey money has landed, found £12.39 in an old savings account which I have now shut down and my expenses were paid. Checked my account and have paid £100 off, using my overdraft but hardly attracts any interest so thats ok. Have left myself enough in my account to cover my Bcard payment due out this week and £30 bunce. Shouldnt need this as am not going anywhere, have plenty of fuel and food and £20 cash in my purse. New sains total is £39 which I can pay of easily with next months hoss food budget so will be back on track

Decided to empty my emergency savings as was short £25 in my insurance target so that is now complete. Need to start again in my targets but at least have nearly completed all the interim targets

Target 1 - Insurance Savings overspend £156 - £156 - complete

Target 2 - new - Sains CC - £183.90 - Now £39.87

Baldybear

Was pleased before that have managed to make savings in my monthly budget and then today my council tax and water bill has landed

Water is going up £2 a month, least this is cancelled out by saving in gas bill.

Council tax is going up £10 a month So have to cut back a little bit more to try and find this now, bah.

I cancelled my hoss trainer this weekend as was too poorly, had the money put aside so will be up on myself for next time.

DebtFree2012

Sinus infections are the worst - hope you feel better soon hun.

Baldybear

Good morning, back at work still bah but plodding on.

£10 amazon voucher just landed from my last mystery shop, now only £10 short of mums birthday present, hope to be able to get that soon from another survey site then saving up for dads birthday in june and then bro in laws in september and then start saving for christmas. Be good to be cash neutral for pressies this year as have no budget so glad am not spending extras I dont have.

No other spending today, lunch bought in and lots of food at home for dinner

Target 2 - new - Sains CC - £183.90 - Now £39.87

Baldybear

Good morning

Small ebay sale so another few pennies to Sains CC

Managed to get another amazon voucher yesterday from a survey site but they are out of stock for a few weeks, will wait and see how long it takes to appear as have time for mums birthday. If this arrives will be able to afford her present out right and have a few pennies left over

Target 2 - new - Sains CC - £183.90 - Now £36.99

Baldybear

Good morning

No moneys in or out, so boring.

I long reined my hoss last night, she is great for about 10/15 minutes and then decides she cant be bothered and I end up pushing her round the school :rotfl: If you want a laugh hopefully you can access the video below, this is us last night, I definitely think my hoss has the better of me

https://www.facebook.com/video.php?v=10153734385151982&set=vb.838466981&type=2&theater

Target 2 - new - Sains CC - £183.90 - Now £36.99