A whole new world

lcc86

Belle that sounds like the sort of thing I do all the time!! I have a diary, it appears free, I pay for something aaaaaand lo and behold I've double booked!!! D'oh! Rest assured you're not alone lol

belleandthebudget

lcc86 wrote: »

Belle that sounds like the sort of thing I do all the time!! I have a diary, it appears free, I pay for something aaaaaand lo and behold I've double booked!!! D'oh! Rest assured you're not alone lol

Haha it's good to know it's not just me. I really could have throttled myself this afternoon but five minutes of fuming and I was laughing at the situation again.

belleandthebudget

Good news - I was able to change the tickets! It was £4 for the two tickets and I returned the wrong set special delivery which was £6.45 but for pretty much a tenner I have a solution which was much much better than cutting my hols short and spending £30-£50 on a new single train ticket!

I'm keeping up with YNAB which is the most important thing for me. If I track every little transaction then I don't get lost in my spending and it makes me think twice before tapping the contactless card on the reader.

Can't wait to get refunded for my dentist appointment. I haven't used any of my preventative cover yet this statement year so they should pay out the whole amount (minus the infamous toothpaste which I've already paid off).

Really feeling sluggish this week. I'm in a great mood though so that's a major positive. Just need to get the body going. :j

moneyonmymindsam

Great news about the tickets

daisymac

Great you got the tickets changed!

I am trying to budget waaaay in advance and include all the extras!

We each are left with "fun money" of £200 each and once that's gone it's gone! That way we can have fun and treat ourselves but our limit is clear! This includes takeaways and lunches out! They no longer come from the joint pot!

What if you set yourself a monthly limit? Would that help your cards come down?

It's finding the balance between paying off the debt and living life as you want to isn't it? Depends how unhappy the debtsp makes you and whether you would rather give up some fun money to pay it down quicker!

Xx

belleandthebudget

daisymac wrote: »

What if you set yourself a monthly limit? Would that help your cards come down?

It's finding the balance between paying off the debt and living life as you want to isn't it? Depends how unhappy the debtsp makes you and whether you would rather give up some fun money to pay it down quicker!

Xx

Thanks, Daisy! I think this is the "problem" I've been so set on having this deadline to pay everything off by that the budget isn't really liveable. Well, I'm sure it is by some! I think having lived this for a couple of months (and paid some debt off while not creating any more!! :T) I need to re-look at the SOA and make a new budget that's more realistic for me.

It's like the other day when I made my giant to-do list. I put too much pressure on myself and just spent half the day laying in bed with the laptop... looking at what I needed to do. When I cut it back to a more manageable amount then I felt inspired to get up and tick things off the list. With the debt-busting I think I need to go with baby steps.

TODAY'S PLAN!

• [strike]take some books to the charity shop[/strike]
  [strike]
• get a coffee and do some writing[/strike]
  [strike]
• organise clothes in bedroom[/strike]
  [strike]
• find headphones[/strike]
  [strike]
• 30 minutes of cleaning/declutter[/strike]
  [strike]
• cook dinner[/strike]
• change bedsheets
  [strike]
• do some laundry[/strike]
  [strike]
• update my blog[/strike]
  [strike]
• catch up with other people's mse diaries[/strike]
  [strike]
• redo soa and budget[/strike]

:wave:

belleandthebudget

Statement of Affairs and Personal Balance Sheet

Household Information
Number of adults in household........... 1
Number of children in household......... 0
Number of cars owned.................... 0

Monthly Income Details
Monthly income after tax................ 1825.42
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 1825.42

Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 697 includes most bills and council tax
Management charge (leasehold property).. 0
Council tax............................. 0 included in rent
Electricity............................. 0 included in rent
Gas..................................... 0 included in rent
Oil..................................... 0
Water rates............................. 11
Telephone (land line)................... 0 included in rent
Mobile phone............................ 16.5
TV Licence.............................. 4.03
Satellite/Cable TV...................... 0 included in rent
Internet Services....................... 15 dropbox, amazon music and webhosting
Groceries etc. ......................... 200
Clothing................................ 30
Petrol/diesel........................... 0
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 15 oyster payg
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 50 contact lenses, dentist, new glasses, prescriptions
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 8.39
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 40
Haircuts................................ 2.5 getting free model appts but just in case i can't
Entertainment........................... 30 tickets to gigs, exhibits, ballet, theatre
Holiday................................. 25 travel home to see parents
Bill Buffer............................. 20 we all put extra towards rent to cover bills but if it's not enough we need to pay the extra
Gym/Swim/Classes........................ 79.95 gym membership which is cheaper than buying these separately
Spending Money.......................... 50
Eating Out.............................. 30
Ballet Lessons.......................... 50
Total monthly expenses.................. 1374.37


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
Barclaycard....................1250......50........0 interest starts in oct 16
Tesco Card.....................4900......50........0 interest starts in oct 16
Bank of Dad....................2500......50........0
Total unsecured debts..........8650......150.......-


Monthly Budget Summary
Total monthly income.................... 1,825.42
Expenses (including HP & secured debts). 1,374.37
Available for debt repayments........... 451.05
Monthly UNsecured debt repayments....... 150
Amount left after debt repayments....... 301.05

Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -0
Total Unsecured debt.................... -8,650
Net Assets.............................. -8,650

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

belleandthebudget

belleandthebudget wrote: »

Monthly Budget Summary
Total monthly income.................... 1,825.42
Expenses (including HP & secured debts). 1,374.37
Available for debt repayments........... 451.05
Monthly UNsecured debt repayments....... 150
Amount left after debt repayments....... 301.05

At the rate above, throwing the extra at the cards, I could clear all the Credit Card debt by October 16 when the interest is due to start again. Then have Bank of Dad paid back by February 17.

I'd like to get everything paid back at the very least by the end of 2016 but there's lots of places to scrimp on the more realistic SOA/budget. Plus there is no rush with the loan as long as it's consistently having something paid off.

belleandthebudget

Note to Self: I HAVE TOO MANY CLOTHES!

An embarrassing amount of clothes, especially as so many don't fit or just don't get worn.

If I give away, sell, or throw out something that I later need... I'm in a position to buy another. Okay, maybe not the best situation considering I'm trying to pay off my debts, but a good thought to hold on to.

For less than £150 I could buy everything I need to clothe myself for a week from Primark, including shoes. And if you have a week's worth of clothes and access to a washing machine then you have the very basics you need to survive with. Sure, it's not the best quality, but it's there if an emergency struck.

I don't have room for all the clothes I own to comfortably coexist with me in my space. The answer is not to buy more storage and cram it in. The answer is to get rid of the clothes that I don't use but store, launder, and maintain for no reason.

Lucky it's the bank holiday weekend and I have minimal plans, right?

belleandthebudget

Time for another confession/note to self: I HAVE WAY TOO MUCH FOOD.

The cupboard won't shut, I can't even see what's on my fridge shelf and let's just forget about the freezer drawer! I live in a flatshare so I only have one of each but right now I'm not even making good use of them as I can't see what I've got in so just end up buying more.

Meal plan utterly tanked last week, by the way.

Okay! My Monday is going to be filled with clearing and cataloguing food and clothes. The excitement never ends around here.

Went to yoga this morning which was fab (and free!) and picked up some tasty bits and pieces for dinner. Will be having a chilled afternoon/evening and maybe a bubble bath. Sounds just the ticket!