*~*~OrangeFairy is nearly there...just a couple of hurdles left~*~*

OrangeFairy

Morning all,

Welcome Abba

I haven't posted for a few days! Well I have had a busy weekend and start to this week.

Work- my job role has been defined after I have been filling in all the gaps in the company. I am now ecommerce and finance manager- sounds nice This will be a pay rise with the increased responsibility but I won't know until pay is sorted in September!

It was my birthday at the weekend! Got lots of lovely stuff from everyone. Hubby got me a new sonos speaker and a paid for camping trip on Dartmoor in August when we have our week off with the kids which I am very excited about.

Money- I have £33 in my account and £20 in my wallet. This needs to last until Monday morning when we are then on holiday to the French Alps. So excited!!!!

Right better get off this bus and into work!

OF x

OrangeFairy

Hi all,

Not too much to report today.

I got home and found some pending survey rewards had cleared so requested £15.40 bacs payout. I also have £7 to cash in scratch cards. so that is £22 to add to my name

Just 2 more days at work then off for a week! I can't wait!

I need to sit down with Hubby and plan exactly what we want to do in Annecy so we have a bit of a plan!

I hope everyone is having a great afternoon/evening.

OF x

abba1772

:bdaycake: happy belated birthday xx

OrangeFairy

Hi Abba- thank you

I have redone our SOA to see what we may have left per month when the money is paid off......

Statement of Affairs and Personal Balance Sheet

Household Information
Number of adults in household........... 2
Number of children in household......... 2
Number of cars owned.................... 1

Monthly Income Details
Monthly income after tax................ 1542.35
Partners monthly income after tax....... 1702.27
Benefits................................ 137.6
Other income............................ 0
Total monthly income.................... 3382.22

Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 575
Management charge (leasehold property).. 0
Council tax............................. 126
Electricity............................. 40
Gas..................................... 42
Oil..................................... 0
Water rates............................. 55
Telephone (land line)................... 15
Mobile phone............................ 70.5
TV Licence.............................. 15
Satellite/Cable TV...................... 40
Internet Services....................... 25
Groceries etc. ......................... 260
Clothing................................ 0
Petrol/diesel........................... 90
Road tax................................ 15
Car Insurance........................... 20
Car maintenance (including MOT)......... 40
Car parking............................. 0
Other travel............................ 41.5
Childcare/nursery....................... 80
Other child related expenses............ 160
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 0
Buildings insurance..................... 8
Contents insurance...................... 0
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 10
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 1728


Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 1500
Other assets............................ 1000
Total Assets............................ 2500

No Secured nor Hire Purchase Debts

Unsecured Debts
Description....................Debt......Monthly...APR
CC.............................1265......13........0
sofas..........................712.......10........0
Total unsecured debts..........1977......23........-


Monthly Budget Summary
Total monthly income.................... 3,382.22
Expenses (including HP & secured debts). 1,728
Available for debt repayments........... 1,654.22
Monthly UNsecured debt repayments....... 23
Amount left after debt repayments....... 1,631.22

Personal Balance Sheet Summary
Total assets (things you own)........... 2,500
Total HP & Secured debt................. -0
Total Unsecured debt.................... -1,977
Net Assets.............................. 523

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

This is the first time that my net value has been in the positive for 13 years!

This leaves us £1654 a month. Hubby has his review and should move up to his agreed new wage which will increase his income by either £140 or £113 (hopefully the former) This will kick in at the end of June pay cheque.

I am expecting a payrise in September and I don't think my boss will do less than a £2k so that will be £130 so we are looking at increasingour income by about £250 a month by the end of the year.

I'm hoping to make a good plan for the months until the end of the year so we can start saving for a house deposit :T:T:T:T:T

I am now off work ready to go on holiday. I am so flipping excited!

OF

starnac

Have a great holiday OF x

crunch_time

That's brilliant!! Well done you! Have a lovely holiday!!! Xx

elly68

Fantastic news orange ,enjoy your holiday .

mummytogirls

Have a great holiday OF xx

abba1772

Have a fab holiday xx

OrangeFairy

Thanks all.

Off tomorrow morning at 6.30am for a 10am flight. All packed and raring to go.

Having a relaxing day today and round MIL's for dinner which means an easy evening for us!

Will catch up when I return...the plan is to shift the big CC the week we get back which will be very exciting! Though I have to book flights to Manchester from Exeter so money will go on a card to pay on payday at the end of June. This is the best way to do it though so we pay no interest on the big card (12 months int free finished June 18th) and I won't pay interest if I pay the flights off at the end of the month. Flights are costing £180 for DD2 and I.

Happy debt busting while I am away everyone xx