New Journey

System

I agree SSG but I had to make it affordable for me and not to make my debt free date any longer than I originally had in mind. When I first did the snowball last year I think it had may 2020 so Christmas 2019 is slightly better.

Storm89

Hi ! sounds like such a fantastic opportunity. really glad you decided to do another diary x

System

d Information[/b]
Number of adults in household........... 1
Number of children in household......... 0
Number of cars owned.................... 1

Monthly Income Details
Monthly income after tax................ 1343
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 94.83
Total monthly income.................... 1437.83

Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 500
Management charge (leasehold property).. 0
Council tax............................. 69
Electricity............................. 22
Gas..................................... 22
Oil..................................... 0
Water rates............................. 24.69
Telephone (land line)................... 0
Mobile phone............................ 20
TV Licence.............................. 12.37
Satellite/Cable TV...................... 27.69
Internet Services....................... 0
Groceries etc. ......................... 120
Clothing................................ 0
Petrol/diesel........................... 80
Road tax................................ 0
Car Insurance........................... 43.5
Car maintenance (including MOT)......... 30
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...................... 6.22
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 70
Haircuts................................ 0
Entertainment........................... 100
Holiday................................. 25
Emergency fund.......................... 43.5
Union................................... 2.45
Nat Trust............................... 5.4
Gym..................................... 41
Total monthly expenses.................. 1264.82


Assets
Cash.................................... 700
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 2500
Other assets............................ 0
Total Assets............................ 3200

No Secured nor Hire Purchase Debts

Unsecured Debts
Description....................Debt......Monthly...APR
CC1............................3882.04...176.4.....0
Total unsecured debts..........3882.04...176.4.....-


Monthly Budget Summary
Total monthly income.................... 1,437.83
Expenses (including HP & secured debts). 1,264.82
Available for debt repayments........... 173.01
Monthly UNsecured debt repayments....... 176.4
Amount short for making debt repayments. -3.39

Personal Balance Sheet Summary
Total assets (things you own)........... 3,200
Total HP & Secured debt................. -0
Total Unsecured debt.................... -3,882.04
Net Assets.............................. -682.04

Created using the SOA calculator at https://www.sto

NoOneAround

Glad you started again Cumbria.
Hope test results are OK.
What a wonderful holiday to plan and look forward to :T
NOA
x

System

My budget is very tight , the gym membership has gone down to £35 so I have about £3 spare.

Clothes will come out of entertainment. Hair also comes out of that.

I am seriously thinking of getting rid of Sky television soon as I don’t really watch many channels that I am paying for.

Council tax will be going up so will need to factor that in. I can do it I know I can .

System

Spent today doing budget and working everything out. I need to get back into EBay as well. I have a few things to list . I want to try and get a little buffer in a separate account .

Think I have become obsessed today with finance.

redofromstart

Good to see you back Cumbria, Australia sounds great

Have you booked your flights yet?

System

I could book them , but just need to check with work tomorrow that it is not a problem being away most of December. Flights are £693 so hope to book tomorrow night .

redofromstart

Don't forget cashback if there is any! I notice Qantas is 10% on TCB for example.

System

Yes there is 10% on Quantas , but the flights are with Cathay Pacific, there is some cash back on these as well.