New place, fresh start..

JLS1901

Hello all :wave:

I've decided to start a new diary catch up on my old musings here:
https://forums.moneysavingexpert.com/discussion/5485047

I've just moved into a place of my own after a crazy year, relationship breakdown, moving back to my home area, getting a new full time job.

I'm still in debt but more determined to clear it than ever, I feel like having my own place and to a point being in control of most things will help. I can batch cook, use the slow cooker to it's full potential!!

Anyway off to complete my SOA and will post it here..

Feeling positive..

Welly x

JLS1901

Statement of Affairs and Personal Balance Sheet

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

Monthly Income Details
Monthly income after tax................ 1177
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 1177

Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 450
Management charge (leasehold property).. 0
Council tax............................. 77
Electricity............................. 40
Gas..................................... 0
Oil..................................... 40
Water rates............................. 40
Telephone (land line)................... 0
Mobile phone............................ 29.5 (Due upgrade now - Will get the cheapest deal I can)
TV Licence.............................. 12.12
Satellite/Cable TV...................... 0
Internet Services....................... 20 (Mobile broadband contract using this instead of paying for broadband at home)
Groceries etc. ......................... 80
Clothing................................ 0
Petrol/diesel........................... 80
Road tax................................ 16.18
Car Insurance........................... 77 (Due end of Jan - looks like I can half this)
Car maintenance (including MOT)......... 13.2
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 10
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 0
Entertainment........................... 20
Holiday................................. 0
Emergency fund.......................... 20
Gym..................................... 36
Total monthly expenses.................. 1061


Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 1000
Other assets............................ 0
Total Assets............................ 1000

No Secured nor Hire Purchase Debts

Unsecured Debts
Description....................Debt......Monthly...APR
Tesco CC.......................1236.4....25........NaN
Halifax CC.....................750.......22........NaN
O/D............................750.......20........0
Friend 2 ......................795.......0.........0
Friend 1 ......................1900......0.........0
Total unsecured debts..........5431.4....67........-


Monthly Budget Summary
Total monthly income.................... 1,177
Expenses (including HP & secured debts). 1,061
Available for debt repayments........... 116
Monthly UNsecured debt repayments....... 67
Amount left after debt repayments....... 49

Personal Balance Sheet Summary
Total assets (things you own)........... 1,000
Total HP & Secured debt................. -0
Total Unsecured debt.................... -5,431.4
Net Assets.............................. -4,431.4

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

JLS1901

Right so a few things:
I'm owed around £500 from the tax man hopefully at the end of the month, this will be used to pay a chunk back to friend 2. She needs the money back ASAP friend 1 has said he will wait as long as needed to get paid back he wants me to sort my cards out first.

Bills (electric, oil and water have been estimated as only been here a few weeks) will have a clearer idea of this in a few months as electric is quarterly and oil as and when (got 2 thirds of a tank at present).

My fuel usage has been cut massively as I'm only 2 miles from work now, I will cycle in summer but I'm still in the sticks so still need a car to get around.

Welly x

louby40

Oh Congratulations on your new start, move and debt busting!

Your water rates seem high. I'm in a 4 bed house with 4 of us living here and I pay £29 a month. Maybe something you could look into? Not sure how a water meter works in rented?

JLS1901

Hi Louby thanks for visiting
As far as I'm aware it's on a standard rate as no meter here.. I'm estimating at the moment as waiting for a bill from them as the agent was informing them I was moving in...

I'm so out of sync with water bills was very lucky in the last house my sister and I rented it came from a well up on the moor and the estate used to charge us £50 a year! We just paid the waste charge which was £140 a year I think. So will see shortly.

Started christmas shopping today (leaving it late I know) and got a mass of stuff from Primark so it's 90% done which is a weight off my shoulders.. thankfully everyone has been understanding about only getting a few bits this year.

My new bed is being dropped off tomorrow and I cannot wait.. sleeping on an air bed is entertaining to say the least...

Welly x

JLS1901

Well it's Tuesday and I feel awful.. woke up around 4am with terrible stomach ache and I'm exhausted.. Have been trying to get my anemia sorted for a while but it's really bad these last few days.. aches, pains and dizziness and pure exhaustion boss makes me feel really guilty so I can't take time off..

Nothing much to report on the money front hoping to sell a few bits after Christmas to make a few more quid.. have a good day everyone..

Welly x

beanielou

Shiney new diary
Keep posting!

louby40

How are you feeling today Welly? Hope you're feeling better!

MistyMountainTop

I hope you're feeling better. It's bad enough that you feel ill, you certainly don't need extra guilt piled on by your boss. :mad:

Here to subscribe

Chandelier.

Hi Welly.

I'll subscribe on your thread. We used to talk on an old diary of mine under another username.

Hope you're well. You're plan looks good.

C.

JLS1901

Hello everyone, Merry christmas!

Hope you have all had a lovely day I know I have! I've received some amazing presents and eaten some fantastic food now I'm lazying on the couch exhausted! Will be having an early night as back in work at 6am in the morning..

Will update again soon when I'm a bit more organised..

Welly x