New Journey

Plain_Jane

We all need a little bit of what we fancy now and again!

I hope my debt reductions can read as well as you in 6 months time! :T

System

August already 7 months debt busting , it has gone fast. Had a desire for clothes shopping yesterday. I need a couple of new cardigans for work, the aircon at work makes you freeze. Anyway proud to say didn't buy anything as couldn't find what I was looking for in shops. However popped into a charity shop and came out with 2 cardigans one new with tags on for £9.50 for both bargain . Will definitely look in charity shop again.
NSD today , thats about it .

Lemon_Tree

hi, thought i'd pop on over the garden fence and have a nosey at your diary

System

Mine is to keep me on track , so I can start saving more for that retirement.

Lemon_Tree

good idea. looking forward to following along

System

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................ 1368.1
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 94.83
Total monthly income.................... 1462.93

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............................. 23.72
Telephone (land line)................... 0
Mobile phone............................ 11
TV Licence.............................. 12.12
Satellite/Cable TV...................... 27.69
Internet Services....................... 0
Groceries etc. ......................... 120
Clothing................................ 10
Petrol/diesel........................... 80
Road tax................................ 0
Car Insurance........................... 30.26
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 ......................... 12
Other insurance......................... 6.49
Presents (birthday, christmas etc)...... 70
Haircuts................................ 20
Entertainment........................... 100
Holiday................................. 25
Emergency fund.......................... 50
union................................... 2.45
gym..................................... 25
Total monthly expenses.................. 1274.95


Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 3000
Other assets............................ 0
Total Assets............................ 3000

No Secured nor Hire Purchase Debts

Unsecured Debts
Description....................Debt......Monthly...APR
cc1............................1150......50........0
cc2............................3769......110.......0
Total unsecured debts..........4919......160.......-


Monthly Budget Summary
Total monthly income.................... 1,462.93
Expenses (including HP & secured debts). 1,274.95
Available for debt repayments........... 187.98
Monthly UNsecured debt repayments....... 160
Amount left after debt repayments....... 27.98

Personal Balance Sheet Summary
Total assets (things you own)........... 3,000
Total HP & Secured debt................. -0
Total Unsecured debt.................... -4,919
Net Assets.............................. -1,919

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

System

Just done another SOA as a few things have gone up this month , its tight but still doable. i pay over the minimums on credit cards so happy with everything.
Car insurance is in September and MOT think i will have enough for MOT but not to pay insurance straight up.
NSD 3 this week.
Tomorrow taking DGS to a park , will be spending then. Also Saturday off out for lunch , needs to come out of entertainment pot.
Have 2 social outings next week as well.

System

Had a great time in the big park with grandson , managed to keep spends to £8.65 plus £2 parking , which is normally £1.50 , put it up in summer holidays ! .

System

First social outing done , great few hours in my home town. Went to an art gallery and lunch with friend £8.25 and £3 transport . Good weather and great catch up.

System

Plus£21 overpayment to smallest credit card money from PA surveys.