In the Lowest Hour

moneyonmymindsam

Spends Thursday 11th - £ 6.59
Sugar, T.rolls, Milk etc.


Gas top up - £7.00 so £10.80 left should be enough until the 25th at 77p a day


Full prepayed electric for the month

I have some nice products to use up on me ..Shampoo, face packs etc
I have enough cleaning and washing products for rest of the month


Looking in the food cupboard its not great but doable..


6 Sachets of Porridge,
14 x Weetabix,
7 x puddings
7 x Crisps,
Cake mix ( if I make )
2 x Beans,
1 x Fish ,
Butter,
Soup
Fray Bentos Pie
2 x paste for toast
1 x Burger


Tea, Coffee and Sugar - Zillions of it now


Need to buy Jacket potatoes, Bread, butter, milk - so will budget a Fiver for that ...


Maybe add some cream, custard for puddings..


Saturday maybe out with friend ..but plan to cash up coppers about £8 and use to spend on bus fare and coffee or hot chocolate.


I have to post a parcel too ..grrr so that will leave me £100 in the bank . I have £117 but £10 max for parcel and £6.90 for a train ticket which has not yet come out of the bank I fear .


I do have some things I could muster up to sell as always worst case.

moneyonmymindsam

Jacket potatoes, cheese, butter, milk purchased along with 3 packs of tobacco ...:(
Spends for today a whopping £17...

moneyonmymindsam

I am very much a compulsive spender I think ...food for thought but for tonight I'm going to read and rest xxxx

Dansmam

Ooh, jackets with butter and cheese, yum . Tobacco, not such a fan but each to their own...have been sorting eBay stuff, hoping DD will use her iPhone to eBay it. She says if I had an iPhone it would be dead easy for me to do it myself. Yep, sure it would but if I had the spare cash I'd have my own iPhone? Bless her heart...

moneyonmymindsam

Thanks for popping by Dansmam


Cant sleep as a stress head at the moment .


My friend and I find out the scan results next Wednesday so it will be decision time for me ...My finances couldn't be worse at the minute so I have decided tonight to come out of a business that I part -own with a friend.


Sadly my part of the debt's accrued to get out of this (it isn't horrific ) will add another £1,800 to my final debt ...it was the only option to relieve stress for me.


I would have liked to have pulled out on a high but I do feel my health is more important. It means I may only work 40hrs plus travel but better than the 80hrs plus juggle ...so I finally have the time to have a life.. I need another SOA ..but I feel relieved but somewhat a failure.




My countdown of 14 days being pretty much skint...


Sat 13th Survival day one .. Cancel friend for coffee!


Clean, make some more decisions and sort.


Pay day is the 26th so not too long to go ....

moneyonmymindsam

CLOSEDBD - £1800
AL 2k :eek:
Very 900;)
BC 900:mad:
C1 200


£5800 - Which makes me feel sick...but is doable...hoping I will wake up positive that I've done the right thing.

moneyonmymindsam

Total monthly income will be .................... 1905[/b]
Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 350
Management charge (leasehold property).. 0
Council tax............................. 65
Electricity............................. - TBA
Gas..................................... - TBA
Other travel............................ 0
Medical (prescriptions, dentist etc)..- TBA. 0
Presents (birthday, christmas etc)...... TBA
Haircuts................................ 0
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 415

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
CBUS DEBT......................1800......450.......0
C1.............................200.......20........0
VERY...........................900.......60........0
AL.............................2000......185.......0
BC.............................900.......20........0
Total unsecured debts..........5800......735.......-

Monthly Budget Summary
Total monthly income.................... 1,905
Expenses (including HP & secured debts). 415
Available for debt repayments........... 1,490
Monthly UNsecured debt repayments....... 735
Amount left after debt repayments....... 755
Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -0
Total Unsecured debt.................... -5,800
Net Assets.............................. -5,800

moneyonmymindsam

I think the problem here is no budget .. I spend willy nilly ...as needed.. 355


Food .....................................120 - Feed another person at W/Ends
Electricity............................. 25
Gas..................................... 15
Other travel............................ 50
Medical (prescriptions, dentist etc)..- 5
Presents (birthday, christmas etc)......6??? need to look at this
Haircuts................................ 4
Entertainment........................... 20
Emergency fund.......................... 10
Smokes ............................ 100

moneyonmymindsam

Ok now a compulsive poster of lists ...lol


Cleaning underway ...Washing on the go ...windows open ...today is going to be a good day ...fingers and toes crossed !!!

Dansmam

Yay lists, mean planning. Like lists x