I can do this!

boxofpaws

Ah MrsTinks, I hate doing stuff like that, you're really brave. I have done lots of it in the last few days and its actually quite easy and makes me feel better afterwards but I hate doing it nonetheless.

I just wanted to thank you for being so supportive when I posted 2 weeks ago. The advice and encouragement I was given was absolutely priceless and I feel like a completely different person today.


I have subscribed!


Boxofpaws

MrsTinks

Hello boxofpaws - welcome to the madhouse!

We always try to be friendly on here and in the main DFW page, we may be as mad as a box of frogs but they're our frogs and anyone who doesn't like it can hop off

Doing things like this would have scared me years ago, I still dislike calling anywhere most of the time but I know I need to do it. Facing it head on and getting "results" that I want makes the next one seem less daunting and so I just take each day as it comes.

I might go through all the supermarket coupons that Martin has in this article and see if there are any that are of interest as my MSE thing today... mmmmmm

MrsTinks

Statement of Affairs and Personal Balance Sheet

Household Information
Number of adults in household........... 2
Number of children in household......... 1
Number of cars owned.................... 2

Monthly Income Details
Monthly income after tax................ 2531
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 150
Total monthly income.................... 2681

Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 440
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax............................. 0
Electricity............................. 0
Gas..................................... 0
Oil..................................... 0
Water rates............................. 0
Telephone (land line)................... 0
Mobile phone............................ 75.68
TV Licence.............................. 0
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 200
Clothing................................ 30
Petrol/diesel........................... 200
Road tax................................ 18.37
Car Insurance........................... 40
Car maintenance (including MOT)......... 25
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 300
Other child related expenses............ 65
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 55.52
Buildings insurance..................... 0
Contents insurance...................... 0
Life assurance ......................... 30
Other insurance......................... 50
Presents (birthday, christmas etc)...... 25
Haircuts................................ 25
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 1579.57


Assets
Cash.................................... 0
House value (Gross)..................... 425000
Shares and bonds........................ 0
Car(s).................................. 40000
Other assets............................ 7500
Total Assets............................ 472500



Unsecured Debts
Description....................Debt......Monthly...APR
MBNA...........................7560......75.6......0
Barclay........................2601.3....55........0
Debenhams......................0.........0.........0
Picture........................1660......110.......0
Total unsecured debts..........11821.3...240.6.....-


Monthly Budget Summary
Total monthly income.................... 2,681
Expenses (including HP & secured debts). 1,579.57
Available for debt repayments........... 1,101.43
Monthly UNsecured debt repayments....... 240.6
Amount left after debt repayments....... 860.83

So got the official letter that my main jobbie has officially upped my salary as agreed and will be in effect from 1st of Jan - hooray!

With having cancelled the pony as well (there will be a part payment next month as it's a 1 month notice period) and the increase in the monthly income we're cooking with gas folks!!

One shall go and sup a G&T whilst watching TV and pondering if it will be possible to convince Demon Daughter that going to bed early is a GOOD idea because frankly she's knackered (fell asleep in school) and she'll only get grumpier... (should be said we know the cause of this - she's had a cold and when she does she gets insanely sore lips and skin round the lips poor mite... we have lotions and potions but obviously it hurts and then she can't fall asleep and it just snowballs)

MrsTinks

Hooray! Payday will be on Friday (not Tuesday as I originally thought... it should really be the last day of the month but seems to more frequently be the last Friday of the month? I'm not complaining!)

I'm feeling quite positive about Feb - it's a super short month and I intend on hammering my debts! Darned gummit! :rotfl:

MrsTinks

I can't believe it's only 3 weeks till payday - possibly slightly less depending on our payroll...

Having a bit of a grump today as my expenses haven't been paid yet and I want to settle my CC that I use for this. Annoyingly I figured I'd just settle it anyway and found I forgot my debit card at hoem and I can't remember the card numbers! ARRRGHHHHHH :mad::mad:

Yes I know this is a stupid thing to get grumpy about But darned gummit it I had it set in my head I was settling that particular bill today!

Also have a few other outstanding amounts to get in so when they eventually materialize I shall be doing a straight transfer to one of my cards. I have no patience LOL :rotfl:

MrsTinks

Aha - apparently my expenses at least should arrive tomorrow (huzzah!) - and I guess I can log in from home to pay the CC bill LOL I'm actually intending on cancelling that card as it really doesn't give me the best spending returns... shall have to shop around for a new one using Martins guide I guess...

MrsTinks

Expenses were paid over night (huzzah!) and card used for expenses cleared. I like that feeling LOL

The money that was meant for something went on exactly that! Always nice when that works out I think hehehe

I have no idea if the husbeast will cough up the money he said he would or not, but I'll work on the assumption he will forget so I've not counted it in any of my numbers. If he does then it'll be a bonus!

MrsTinks

Well I'll be a monkeys uncle...

So husbeast coughed up half of the child minder fees and contribution to car payment (which he said he would as we no longer pay for my motorbike... not going to argue as it's going towards debt overpayment

It's currently sat in my savings along with another couple of hundred pounds whilst I decide on whether I am paying off over payments monthly or saving them up and just chunking them off when I've got it all to pay in one go... decisions...

There isn't enough to really matter about interest, so I'm trying to work out which has the better effect on me mentally... seeing the saving build up knowing it's for over paying - or seeing the balance reduce.

That or I guess I could leave £500 in savings for emergencies and then take every spare penny come payday and over pay... probably what I will end up doing as I hate 0's in my accounts (other than on credit cards)

MrsTinks

Unexpectedly it turns out I will probably have an extra £180 coming in over the next 3 weekends, there might be some minor expenses coming out of that for fuel but that will be minimal.

Probably won't get that until 4/3 but you never know LOL

As they say - every little helps

angelpye

Yay Mrs Tinks, a few extra little bits of money and it adds up to quite a bit!