Plodding Through Debts

Legacy_user

BUDGET

Weekly Income
128.45 Benefits
006.00 Apps

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134.45

Weekly Expenses
(082.32) Unallocated
(030.00) Food, Household and Toiletries
(008.47) Water
(007.23) Electricity
(003.67) Broadband and Phone
(001.61) Tenants' Insurance
(001.15) Mobile Phone

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134.45

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Other Funds
027.08 Google Opinion Rewards - taken as Google Play credit
025.00 Opinion Hive - pays out in Amazon or M&S vouchers at £50.00
013.98 Iceland Bonuscard
010.00 B & Q discounted gift card
010.00 Millets gift card + 2 x 05.00 Millets review rewards
007.50 One4All Gift Card Balance
005.00 Farm Foods Gift Card
004.29 Nectar Card
002.90 Zeek Shop + TCB(?)
002.85 Topcashback
001.20 Zeek Marketplace + TCB
000.00 Amazon Gift Card Balance

Time-Limited Shop-Specific Funds
005.00 Debenhams eGift card - expires 22/06/20
005.00 Debenhams eGift card - expires 28/08/20
005.00 Debenhams eGift card - expires 19/02/21

thriftylass

Other (please specify in comment box - ty)

miracleworker wrote: »

Statement of Affairs and Personal Balance Sheet

Fortnightly Income Details

Benefits. . . . . . . . . . . . . . . . . . . . . . . . . . . ...... . .. 250.10 (I guess you don't live on your own, and can't work, or are looking for work, setting up business etc, sorry just guess other people will ask too)

Other Possible Fortnightly Income Details

Selling toilet rolls on eBay. . . . ...................................4.00 (for real?)
Turn off hot water every other day. . . . . . . . . . . . . . . 2.50 ( bath, and one wash-up at end of 'on' day)
Sharing expenses of online courses . . . . . . ..........13.39 (I'm allowed 3 other people)

Fortnightly Expense Details

Account 1 - bills on D/D - ALREADY OPEN
Home phone and broadband . . . . . . . . . . . . .. . ...... . . 8.22 (2.20 after cashback)
Electricity . . . . . . . . . . . . . . . . . . . . . . . . . . . . ........ . .19.40 (15.46 after Warm Home Discount)
Water . . . . . . . . . . . . . . . . . . . . . . . . . . . .. . . ......... . .10.85
Home insurance. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3.10
Furniture Storage . . . . . . . . . . . . . . . . . . . . . . . . . . . .37.87 (is there anything you could sell, are you very attached to some item?)
Fitness/Sports/Gym. . . . . . . . . . . . . . . . . . . . . . . . . . .19.40 (could you just go running or do sth else free)
New clothes: D/D to credit a/c . . . . . . . .. . . . . . . . . . ... 2.31
Online courses. . . . . . . . . . . . . . . . . . . . . . . . . . . . .... . 13.39 - immediate business oriented
Debt Repayments . . . . . . . . . . . . . . . . . . . . .. . . . . . . .4.02
+ 37.87 when I've got rid of furniture
+ 19.89* ad hoc
61.78 total debt repayment possible

Account 2 - savings, then card payments - ALREADY OPEN
New clothes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ... . .10.00
Hobby - photography. . . . . . . . . . . . . . . . . . . . .. . . . . . 2.00
*Ad hoc debt repayments. . . . ....... . . . . . . ..... . . . . . .19.89

Account 3 - ISA - savings, then cash withdrawal
Birthdays . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. .. . ... . .3.85 = 100.01 per year
Winter holiday. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10.02 = 260.52 (not sure that is a priority just now)
Summer holiday. . . . . . . . . . . . . . . . . . . . . . . .. . . . . . 10.02 = 260.52 (not sure that is a priority just now)
Christmas . . . . . . . . . . . . . . . . . . . . . . . . . . .. . . . . . . .. 7.96 = 206.96

Account 4 - ordinary savings account - cash withdrawal
Food and household shopping . . . . . . . . . . . . . ..... . . 70.00 = 35.00 p/wk (testing this, this week)
Eating and drinking out. . . . . . . . . . . . . . . .. . . . ... . . . . 6.92 = 2 meals pcm @ £7.49 ea (not sure that is a priority just now)
Coffees/Sandwiches/Snacks . . . . . . . . . ... . . . . . . . . . .8.00 = 4.00 p/wk (not sure that is a priority just now)
Walking trips . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. . ..2.77 = 1 bus fare pcm at 6.00


Total Fortnightly Income. . . . . . . . . . . . . . . . ... . . . . . 250.10
Other Possible Fortnightly Income. . . . .. . . . .... . . . . ... 57.76
Total Possible Fortnightly Income. . . . . . . . . .. . ........... .307.86

Total Fortnightly Expenses. . . . . . . . . . . . . . ... . . . . . 250.10
Other Possible Fortnightly Expenses. . .. . . . .... . . . . ... 57.76
Total Possible Fortnightly Expenses. . . . . . . .. . ........... .307.86

See my comments in red. Hope it didn't sound too harsh, well meant

thriftylass

Other (please specify in comment box - ty)

How much debt do you have? Have you tried surveys like Valuedopinions to earn vouchers like Amazon for using for presents etc? Keep going! You seem quit switched on about money things.

Another good on is qoas. Co. Uk. A postal survey. You receive letters and send them back free, they use that to test the postal sevice. I get about 10quid a month in vouchers from that. They also do paypal payout etc

iolanthe07

Other (please specify in comment box - ty)

I voted 'something else' and the 'something else' was to get a job, but that was before I read about your autism, so apologies.

tallyhoh

Get rid of stored furniture (? costs involved, but paperwork re big debt in there)

any chance of forgoing the bath & having a shower at the gym? one kettle then to do washing up.

Dewdrop.ja

I'm not sure if you have done so already but I would definitely suggest getting a water meter installed. Whe I did mine it was a massive saving however they told me that if it ended up actually costing me more money then I would be able to continue without it. So to me it's a win win and definitely worth! The same went for when I changed the electric and gas meters from prepayment!
Best of luck!

iolanthe07

Other (please specify in comment box - ty)

Water meter COULD COST SAME OR MORE, due to constant peeing, possibly due to diabetes.

A useful tip, first offered during the 1976 drought I believe:

If it's yellow, let it mellow
If it's brown, flush it down

Muttipops

Also water brick in the cistern! Cuts down amount of water used for a flush.


Watch out with the metering; I have a feeling you can only go back to unmetered within the first year, if your bill turns out to be higher.

LabRatty

Hi there,
Are you near a university dental school? They are often in search of volunteers to be treated by students. The treatment is supervised, free, and technically excellent so even if you have to travel a bit it's much cheaper than paying for treatment as well as being very interesting. Dental problems are welcomed as good learning opportunities for the students.

Muttipops

If you get this much done with diabetes lethargy, just think what you will be like if you have it and you get treatment, Wonderwoman!! Obviously not called miracleworker for nothing.:)

Muttipops

Miracleworker, I have seen many people on this forum use the snowballing method, so if you genuinely want to do it, I am sure there would be lots of advice on here. It seems straightforward enough, but there might be some added hints and tips to be had.


I see you had either a late night or an early morning. I get that; I wish my brain would shut up from 10pm until 7am.