In the Lowest Hour

MuffinTops

Hello gorgeous girl,

Did you buy all of those with £1.20? Where are you shopping? I need that shop!!!!

Is it a nice away day with work? Albeit a bit spendy?

Ooh, I've just seen your kiss date on 27th August! Fantastic!!!!!

MTxx

moneyonmymindsam

MuffinTops wrote: »

Hello gorgeous girl,

Did you buy all of those with £1.20? Where are you shopping? I need that shop!!!!

Is it a nice away day with work? Albeit a bit spendy?

Ooh, I've just seen your kiss date on 27th August! Fantastic!!!!!

MTxx

Some deal in Mr T Express...Obviously only applies to stores 100 mile radius anywhere outside of London....lol


I've got some posh mascara on and my eyes don't like it :mad: so I will be washing that off before it poisons my eyeballs ..I do get lured into these fancy things...so have little sympathy for myself...


20 days until payday...then let the kissing commence..who knows maybe I will kiss them off till there ears twizzle ... :rotfl:


PMA - Needs to be my wake up Mantra ...:D


Waking up to cooked breakfast if I can get up in time...:A

moneyonmymindsam

Woken early ...and feeling impatient about debts ..

I think it's going wrong somewhere?? I need to total my start debt and any additions that have come back on board since Feb and do a new SOA.

I have genuinely paid off a fortune yet my debt still looks roughtly the same amount as when i started and that is not motivational at all

Fighting the falling off the wagon feeling ..and off to calculate ..

moneyonmymindsam

Start Debt
£5250
Additions £2k
BD £2,498

Totals £9,748 - Total current Debt owed £4570 £5178 Paid off ..

Now it makes more sense..lol 6 paydays of paying at least £800 Per month and some money /profits from Fleabay sales

I need to track this better in my diary in the future ..

I have no idea really for SOA - for daily spends as long as it came in under £10 i didn't really track it..But mainly it goes on food and travel for work ..and the odd treat or bargain ..

Not sure how to go about tracking actual spends ..or if i can even be that regimented with recording ..:(

moneyonmymindsam

Monthly income from Jobs after tax................ 1905
Monthly Expense Details[/b]
Rent.................................... 350
Council tax............................. 62.45
Electricity............................. 30
Gas..................................... 30
Groceries etc. ......................... 100
Clothing................................ 22
Other travel............................ 100
Medical (prescriptions, dentist etc).... 20
Presents (birthday, christmas etc)...... 20
Haircuts................................ 10
Entertainment........................... 80
Holiday................................. 0
Emergency fund.......................... 20
Other costs.................................. 100
Total monthly expenses.................. 944.45

Unsecured Debts
Description....................Debt......Monthly...APR
ALOAN..........................1800......190.......0
OLD BUS DEBT...................197.12....198.......0
C1.............................191.24....10........0
VERY...........................1392......52........0
BC.............................930.76....22........0
Total unsecured debts..........4511.12...472.......-
Summary
Total monthly income.................... 1,905
Expenses 944.45
Available for debt repayments........... 960.55
Monthly UNsecured debt repayments....... 472
Amount left after debt repayments....... 488.55

Personal Balance Sheet Summary

moneyonmymindsam

Ok so I owe £4511.12p ..will try to pay off the 11.12p this weekend

That will be bringing it down to £4500 by Monday. Then dividing whats owed left by 5 making it £900 per month

I might even stop in December ...Leaving just one debt to be paid at my leisure ..
so £3,600 to go !!!

MuffinTops

Ahhh, Sam, your updates were lovely to read. You started off feeling quite low and then found your way higher and higher! Lovely to read.

You've cleared a huge amount of debt, and breaking it down like that shows the bite sized (or kiss sized) chunks that it requires.

HAPPY SATURDAY!!!! mwah!

MTx

RosaBernicia

You've already done so well Sam - bitten the b****** in half already! :T:beer:

Re tracking... would it be very irritating if I said YNAB! :T yet again? Tracking is really simple even away from home if you use your phone.

Your SOA looks a little tight to me - does it genuinely allow for fun? (I can guess from the rent that you're not in the South East so it may be fine!)


Rosa xx

Knitting_Nora

Come on, 'fess up - what "Entertainment" and "Other Expenses" are you managing to spend £180 a month?!

moneyonmymindsam

Knitting_Nora wrote: »

Come on, 'fess up - what "Entertainment" and "Other Expenses" are you managing to spend £180 a month?!

Good question

The other is £100 for travel to and from Plus one .. 3 times a month

The £80 is the entertainment /food so like having a BBQ & for meat , Meals in or out for the weekend for plus one and I and the odd drink with work friends, coffee with friends, or even packets of cigarettes or tobacco when feeling stressed ..