Little Birdie gets chipping!

Littlebirdie

Update on this month

Well I broke up from my bf (still truely gutted but think it is for the best) so I have been spending more money on going out. I've also had loaddddds of job interviews which can cost up to £26 (!!) to get to.

I'm still tracking all my spends so I know where I'm at.
I also use Top Cash Back when possible.

Life is a bot crappy at the minute and I'm hoping it improves soon.

Just realised I forgot to add my monthly counselling session to my SOA...I'll have to add it. It's expensive but its only an hour a month and she keeps me on the straight and narrow mentally

Littlebirdie

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................ 1450
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 1450

Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 100
Rent.................................... 541.66
Management charge (leasehold property).. 0
Council tax............................. 0
Electricity............................. 0
Gas..................................... 0
Oil..................................... 0
Water rates............................. 0
Telephone (land line)................... 0
Mobile phone............................ 15
TV Licence.............................. 0
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 120
Clothing................................ 10
Petrol/diesel........................... 0
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 12
Car parking............................. 0
Other travel............................ 100
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 5
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 0
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 10
Haircuts................................ 10
Entertainment........................... 140
Holiday................................. 100
Emergency fund.......................... 12
Counselling............................. 50
Phone (pay off over 18 months on 0% CC). 20
Eating out ............................. 30
Eating on the go ....................... 30
Coffee shops............................ 30
Total monthly expenses.................. 1335.66


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


Secured & HP Debts
Description....................Debt......Monthly...APR
Mortgage...................... 0........(0)........0
Secured Debt.................. 150......(100)......0
Total secured & HP debts...... 150.......-.........-

Unsecured Debts
Description....................Debt......Monthly...APR
Total unsecured debts..........0.........0.........-


Monthly Budget Summary
Total monthly income.................... 1,450
Expenses (including HP & secured debts). 1,335.66
Available for debt repayments........... 114.34
Monthly UNsecured debt repayments....... 0
Amount left after debt repayments....... 114.34

Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -150
Total Unsecured debt.................... -0
Net Assets.............................. -150

There you go - you get nothing for months and then a million posts!

Littlebirdie

Hey,

Really, boring cheap day but had to be had! Went for a run, done the weekly food shop (£15!) and just relaxed. I keep thinking I've got a few fun weeks coming up so important I have a quite one this week. Been dancing around my room to the radio - so sad but it puts me in such a good mood :rotfl:

Good news is stbucks sent me vouchers for charging me twice.:T When I buy a drink (next month as skint this month) I'll put the money straight into savings. Say at least £2 a drink....that's at least £8 extra in savings. At the moment anything little is a big positive!

I've used my savings to buy a few expensive things and pay it back in monthly instalments. I was due to start this month but its 10 days till pay day and things are just a bit tight so moved them to starting next month and ending in August.

I done my SOA if I was to commute from the city with a car. Long story short I can't afford it...I'd need a promotion to be able to do it and it would still be tight. I'm sad about it. I do have the option to earn extra money but I would prefer to put that straight into savings rather than use it for the cost of living.

So thats my little update - have a good weekend xx

Littlebirdie

What a boring weekend! I'm looking forward to do something next weekend - within budget of course!

So today I went into town and spent £4 on a top up shop. They were treats...I was within budget for my food shop so not feeling too guilty.

Now I have an unexpected trip to the city on Monday night...I'm pretty sure I can afford it.

I've been driving (no pun intended ha) myself mad trying to work out how quickly I can get a car. I'm pretty sure I need refresher lessons but I think I have found 10 for £150...which is a bargain. I also need to think about tax for the car which will be about £145. I can either wait or I can add it to the 0% balance tranfer I am thinking of getting. I wish I wasnt so money sensible sometimes and just went for it! I think I'm just goino add it to the 0% balance transfer and do lots of over payments.

Littlebirdie

Also today made a batch of lasagna and froze 5 dinners worth plus have 3 dinners worth for this week and had a portion tonight. I'm weird like that and can eat the same thing alllll week:rotfl: . The only thing I must start doing is laberling it...must get some masking tape.

Littlebirdie

Hello,

So feeling all a little bit stressed at the moment. I need a new phone so I got a credit card especially. The first credit card was American express and the phone company wouldn't accept it for pay as you go contracts.I cancelled it and ordered another one. Now the new company have sent me a confirmation email and taken like £1.23 off my card but they haven't sent me an email to say when delivering it. Called them up - they dont have any of my emails and dont recognise the confirmation code....argh! Luckily only £1.23 has been taken from my card...but still. I wanted to get cashback! So I'll call my card today and see what is going on and go into the shop.

In terms of moey spending I'm being a little less strict on myself this month as well it is such a rubbishy month. I'm only taking a £1 or £2 here and there. Luckily I don't buy clothes to make myself feel better. So I'll prob have to move over my £12 I saved for emergencys.

I hope next month is better emotionally and financially! I keep thinking no bad time stays forever:heart2:

Have a nice day everyone! x

kansaskitty

Hi Hun just had a read through of your diary, keep your chin up- no rain, no flowers. Good times will be coming your way soon!
Are you still managing your £100 a month to clear the overdraft? Still only £700 or so left? Keep on keeping on, this will be such a weight off once it's gone, especially mentally.
Also bravo to you for keeping yourself in check mentally by splashing out on counselling.

Littlebirdie

kansaskitty wrote: »

Hi Hun just had a read through of your diary, keep your chin up- no rain, no flowers. Good times will be coming your way soon!
Are you still managing your £100 a month to clear the overdraft? Still only £700 or so left? Keep on keeping on, this will be such a weight off once it's gone, especially mentally.
Also bravo to you for keeping yourself in check mentally by splashing out on counselling.

Hey thanks so much for popping by

That's a really good phrase..I'll remember that one.

Yeah I'm still paying off £100 a month and only about another £700 to go.....my motivation is seriosuly flagging. I'm hoping it is just a bad month.

Thank you - through the sticky bits she is a god send!

rexelpink

Hi there!:hello:

I started my own diary this week, and have been browsing (nosying) through some others today. I've seen yours and thought I'd post and say hi x

Sounds like you've had a tough month, hope ur ok x
I'm using my phone to quote so it's tough to look back and quote what you've written above, but I wanted to say well done for clearing so much of your £4,000 that's a fantastic thing to do!
I think losing debt is like losing weight, the last few pounds are the hardest to shift!

You've got my sympathys regarding the car, it's sooooo expensive,
Buy the car, 6 - 12 months services, MOT, petrol (everyone expects free lifts cos ur going to the same place / nearby and most people rarely contribute to petrol) parking costs a fortune most places, and insurance -especially if your a first time driver or have got 0 no claims is so expensive. And you never know when it will break down, blow a tyre, etc and u need to pay out more.

Can you tell I hate my car!!!

I'm finding that posting every day on my diary is really helping to keep me focussed and motivated, I wish you all the luck with yours x
I will come back soon and see how you're doing if u don't mind xxxx

Littlebirdie

rexelpink wrote: »

Hi there!:hello:

I started my own diary this week, and have been browsing (nosying) through some others today. I've seen yours and thought I'd post and say hi x

Sounds like you've had a tough month, hope ur ok x
I'm using my phone to quote so it's tough to look back and quote what you've written above, but I wanted to say well done for clearing so much of your £4,000 that's a fantastic thing to do!
I think losing debt is like losing weight, the last few pounds are the hardest to shift!

You've got my sympathys regarding the car, it's sooooo expensive,
Buy the car, 6 - 12 months services, MOT, petrol (everyone expects free lifts cos ur going to the same place / nearby and most people rarely contribute to petrol) parking costs a fortune most places, and insurance -especially if your a first time driver or have got 0 no claims is so expensive. And you never know when it will break down, blow a tyre, etc and u need to pay out more.

Can you tell I hate my car!!!

I'm finding that posting every day on my diary is really helping to keep me focussed and motivated, I wish you all the luck with yours x
I will come back soon and see how you're doing if u don't mind xxxx

Hey,

Thanks for popping by - at times it seemed like I was talking to myself ha!
You know what - never thought of money like weight ...I'll remember that one. The last slog is defo a tough one.

Arghhh I honestly think how do people afford a car!? Like seriously!? Its crazy at how expensive they are.

Please do pop by - I like visitors xx