The single track road - life on a different path

apple_muncher

Sending lots of hugs your way xx. And patience for dealing with plonkers...

hummingbird

Hope the bronchitis clears up soon Me&O, I've never had it but my Mum used to get it occasionally so I know how horrible it is.:o

Well done on all the achievements including photo wall - sounds a lovely idea xxx

MeandO

Hello all

Laura - unfortunately patenting is not an option with the business products, it's a bit of a nightmare, but something I'll have to learn to just shrug off I think. Very frustrating though. Some people have no conscience or work ethic it seems and take advantage of someone else's hard work. :mad:

Unfortunately the bronchitis has now turned into pneumonia. I have more antibiotics though and not feeling too bad, so hopefully it clears up soon.

Spent the weekend painting. And then did some more painting.
The same room - the hallway - which I was hoping to get the whole upstairs/stairwell and downstairs done before DS is back today, but that hasn't exactly gone to plan!
Long story, but the first colour looked awful and too dark, so I repainted it in a different colour - which I'm also not happy with.
Next weekend will involve much of the same painting methinks!

YNAB is up to date and telling me I can't spend much more money at the moment. Nice to be on track, even though I don't seem to be saving vast pots of money yet, at least I'm keeping track of spends and aware of what my budget looks like.

Must do some work, will update properly shortly.
x

apple_muncher

Sending you hugs and get well wishes x

MeandO

Mainly for my records but comments welcome - here's my current SOA, not taking the business earnings into account and overpaying the CCs slightly. Once I pay these debts off, I'll be almost £300 better off a month which can then go to overpaying the mortgage, once I've built up an emergency fund.

'Rent' is bank of Mum and Dad who lent us money to originally get on the property ladder.

TV/Phone/Internet is £35 a month via Sky, but will be changing that when I'm out of contract, same with mobile phone which is up in January.

Statement of Affairs and Personal Balance Sheet

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

Monthly Income Details
Monthly income after tax................ 1699.04
Partners monthly income after tax....... 0
Benefits................................ 93.15
Other income............................ 380.63
Total monthly income.................... 2172.82

Monthly Expense Details
Mortgage................................ 499.6
Secured/HP loan repayments.............. 37.48
Rent.................................... 200
Management charge (leasehold property).. 0
Council tax............................. 148
Electricity............................. 22
Gas..................................... 32
Oil..................................... 0
Water rates............................. 21.5
Telephone (land line)................... 10
Mobile phone............................ 32
TV Licence.............................. 12.12
Satellite/Cable TV...................... 0
Internet Services....................... 25
Groceries etc. ......................... 150
Clothing................................ 20
Petrol/diesel........................... 150
Road tax................................ 20
Car Insurance........................... 30
Car maintenance (including MOT)......... 50
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 150
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 0
Buildings insurance..................... 10
Contents insurance...................... 5
Life assurance ......................... 13.74
Other insurance......................... 0
Presents (birthday, christmas etc)...... 50
Haircuts................................ 0
Entertainment........................... 0
Holiday................................. 20
Emergency fund.......................... 25
days/meals out, entertainment, misc..... 100
Child's savings......................... 25
Central heating cover................... 15.5
Total monthly expenses.................. 1873.94


Assets
Cash.................................... 215
House value (Gross)..................... 200000
Shares and bonds........................ 0
Car(s).................................. 9000
Other assets............................ 0
Total Assets............................ 209215


Secured & HP Debts
Description....................Debt......Monthly...APR
Mortgage...................... 101096...(499.6)....3.2
Hire Purchase (HP) debt ...... 412.28...(37.48)....0
Total secured & HP debts...... 101508.2.-.........-

Unsecured Debts
Description....................Debt......Monthly...APR
loan...........................5530.85...137.5.....3.9
cc 1...........................3188.13...50........0
cc 2 ..........................2651.13...50........0
Total unsecured debts..........11370.11..237.5.....-


Monthly Budget Summary
Total monthly income.................... 2,172.82
Expenses (including HP & secured debts). 1,873.94
Available for debt repayments........... 298.88
Monthly UNsecured debt repayments....... 237.5
Amount left after debt repayments....... 61.38

Personal Balance Sheet Summary
Total assets (things you own)........... 209,215
Total HP & Secured debt................. -101,508.28
Total Unsecured debt.................... -11,370.11
Net Assets.............................. 96,336.61

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

MeandO

I returned two tins of unopened paint to the shop last night and swapped them for two more in a nicer colour for the hallway. My darling Dad is doing the high bits for me today whilst I'm at work. He also bought some leftover paint from their house - enough to enable me to paint the largest spare bedroom, so that'll be another project when I get time.

The folks returned with DS, armed with lots of food and treats. Still finding relations a little tough, but trying my best to enjoy the time and not to let some comments made last night get to me too much.


New jacket, top and purse arrived yesterday and all are lovely, so will be keeping them. Need to build the clothing pot up now before I can buy anything else. Really in need of some tops - or to lose weight so I can fit in some I already have!

YNAB updated this morning, it's not looking good - need to spend next to nothing now this month.

I'm due £80 cashback from Quidco which should be paid out this month, but I'll be putting that straight into the car fund as I'm going to need some work done on the car within the next month or two, then the insurance is due in December.

Impatiently waiting for next pay day so I can start building up my funds again. Unfortunately it's over 3 weeks away!

MeandO

Freezer inventory done tonight, should help me plan some meals with what I have and save some money, although need to get some bits in that I know DS will eat.

I've put a lentil dahl in the slow cooker tonight, should last me for a few lunches/dinners this week and all from store cupboard ingredients.

Spends of £6.19 today. Totally unnecessary so kicking myself a bit, but had to get out of the office at lunch time as close to tears after a particularly bad morning which turned into an even worse afternoon.

Everything is getting to me today and I just want to shut me & DS away from the world and make it all go away. I'm feeling very stressed after recent issues with the ex, my parents thinking the sun shines out of ex's backside and now Him is up to something methinks. Work is getting absolutely unbearable to the point where I'm tearing up at the thought of going in tomorrow. I really just want things to get better soon.

apple_muncher

Sending you some hugs, oh lovely one xxx. I do hope things improve all round.

stepuptothepl8

Really hoping tomorrow is better for you. Hugs xx

laurasavon

Hope you feel better soon. Last day at work before the weekend - hope it goes quickly for you.