Get a grip !

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  • Skint_yet_Again
    Skint_yet_Again Posts: 7,512
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    edited 31 March 2019 at 6:11AM
    Payday yesterday :j
    This months budget looks like this


    Statement of Affairs and Personal Balance Sheet
    Monthly Income Details

    Monthly income after tax....... 1110
    Other income...... 310. DS food & bills
    Total monthly income........... 1420

    Monthly Expense Details

    Mortgage...............227.4
    Council tax........................ 148
    Gas & electric.................... 64
    Water rates..................... 47.44
    Mobile phone.................... 7.55
    TV Licence...................... 12.07
    Internet Services........ 51 & TV /landline
    Groceries etc. ................ 250
    Clothing........................... 0
    Petrol/diesel.................... 40
    Car maintenance (including MOT)..28.04
    Presents (birthday, christmas etc)..50
    Entertainment................. 50
    Emergency fund.............. 50
    annual bills .................. 100
    union fees..................... 8.04
    Total monthly expenses.. 1133.54


    Secured & HP Debts

    Description......Monthly...APR
    Mortgage........(227.4)....0
    Total secured & HP debts...... 0.........-.........-

    Unsecured Debts
    Description..Monthly...APR
    car...............160.......0
    credit card.....50........0
    Total unsecured debts..210.......-


    Monthly Budget Summary

    Total monthly income.................... 1,420
    Expenses (including HP & secured debts). 1,133.54
    Available for debt repayments........... 286.46
    Monthly UNsecured debt repayments....... 210
    Amount left after debt repayments.......76.46


    oops forgot dog food fund 10.00

    Amount left £66.46



    Created using the SOA calculator at www.stoozing.com.
    Reproduced on Moneysavingexpert with permission, using other browser.
    0% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE 🤗
    House sale OCT 2022 = NOW MORTGAGE FREE 🤗
    House purchase completed FEB 2023 🥳🍾 Left work. 🤗

    Retired at 55 & now living off the equity £10k a year (until pensions start at 60 & 67).

    Previous Savings diary https://forums.moneysavingexpert.com/discussion/5597938/get-a-grip/p1

    Living off savings diary
    https://forums.moneysavingexpert.com/discussion/6429003/escape-to-the-country-living-off-savings/p1
  • Had a Chinese last night, 15% off and paid from entertainment budget.


    Its been glorious weather today. I walked the dog this morning and got a load of washing done and put away. Puppy has been enjoying laying in the garden in the sun :D this afternoon I cut the grass for the first time this year. DS bought me some lovely flowers for mothers day - he's working 4pm to 2am so will see him some time tomorrow afternoon ;) so I got my present early. Walked the puppy dog again this evening when it had cooled down - she's currently snoring next to me on the sofa, don't think it will be long before I join her zzzzzzz:rotfl:


    Decluttering week 13 - binned old kitchen clock which hasn't worked for months despite trying a new battery - removed the battery first ! Recycled 3 empty boxes including the box my "new" kettle came in a few months ago - not sure what I was keeping it for - just in case I had to take it back I think.
    0% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE 🤗
    House sale OCT 2022 = NOW MORTGAGE FREE 🤗
    House purchase completed FEB 2023 🥳🍾 Left work. 🤗

    Retired at 55 & now living off the equity £10k a year (until pensions start at 60 & 67).

    Previous Savings diary https://forums.moneysavingexpert.com/discussion/5597938/get-a-grip/p1

    Living off savings diary
    https://forums.moneysavingexpert.com/discussion/6429003/escape-to-the-country-living-off-savings/p1
  • savingwannabe
    savingwannabe Posts: 16,610
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    Glad the weather was nice. It just makes you feel better. Happy Mother's Day Skinty hurrah for flowers.

    It is nearly summer. I cant wait.
    Aiming for a minimal spend 2022
  • Much cooler today. DS got in from nightshift at 6am we had a cuppa and he gave me a mothers day card before going to bed. Walked puppy dog on the common, it was a cooler morning and very windy near the sea so we walked mainly in the sheltered areas and she had a run around under the trees and bushes :D


    The sun came out this afternoon. Got another load of washing done and line dried. Chilled out with puppy dog on the sofa this afternoon watching tv. DS and his gf cooked dinner which was nice.


    Thinking of my dear mum a lot today. x
    0% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE 🤗
    House sale OCT 2022 = NOW MORTGAGE FREE 🤗
    House purchase completed FEB 2023 🥳🍾 Left work. 🤗

    Retired at 55 & now living off the equity £10k a year (until pensions start at 60 & 67).

    Previous Savings diary https://forums.moneysavingexpert.com/discussion/5597938/get-a-grip/p1

    Living off savings diary
    https://forums.moneysavingexpert.com/discussion/6429003/escape-to-the-country-living-off-savings/p1
  • savingwannabe
    savingwannabe Posts: 16,610
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    Bless you:kisses3:, it is hard when it's Mothers day but she is watching you from above I am sure.

    Im glad they spoiled you by cooking for you. I had no exercise this weekend unless you count walking to the washing line. lol. :rotfl:

    Let's hope next week is a good one.
    Aiming for a minimal spend 2022
  • Skint_yet_Again
    Skint_yet_Again Posts: 7,512
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    Had a good day yesterday, first one for ages where I've not been exhausted after work and managed more than just walking the dog, eating and sleeping.


    I had a bacon roll at work £2.30 paid from entertainment fund. I usually take porridge to have later as I'm not hungry at 6am but I really fancied a bacon butty :p


    Shopping after work came in at around £35 (haven't got receipt to hand at the moment). The sun came out for a while so I put some washing out and then walked the dog on the fields, she really enjoyed herself jumping in the mud !


    After cleaning her off I hoovered the hall, stairs and landing, put the dishwasher on and cooked some dinner. It was nice to have some energy for a change :D


    DS has just gone to work and puppy dog is snoozing after her breakfast. I will walk her later. Hopefully it will be dry today and I can get some more washing done. Towels, bedding and sofa throws to wash this weekend. Kitchen floor to mop and dog room carpet needs hoovering.


    1 more week at work then 2 weeks off :)


    Week 14 decluttering - old unused bookcase (chewed by dog) broken up to go to tip. Old cracked bucket in garden emptied ready to go to tip. Old broken brush moved to tip pile - may need to do 2 tip runs at this rate !
    0% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE 🤗
    House sale OCT 2022 = NOW MORTGAGE FREE 🤗
    House purchase completed FEB 2023 🥳🍾 Left work. 🤗

    Retired at 55 & now living off the equity £10k a year (until pensions start at 60 & 67).

    Previous Savings diary https://forums.moneysavingexpert.com/discussion/5597938/get-a-grip/p1

    Living off savings diary
    https://forums.moneysavingexpert.com/discussion/6429003/escape-to-the-country-living-off-savings/p1
  • Skint_yet_Again
    Skint_yet_Again Posts: 7,512
    First Anniversary Name Dropper First Post
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    Had another good day today and managed to get loads done.


    Hung washing out, washed patio, walked dog for an hour. Hoovered dog room & kitchen tiled floor & sofas. Brought dry washing in and hung second load of washing out. Friend came round and took away some home brew stuff from the loft. The rest is going to the tip next week. She also has a friend that works at a dog rescue centre and they are going to have my large dog crate and unused puppy pads, so that will be more stuff gone :TFetched washing in & put away. Second dog walk round the local pond. There are some little fluffy babies on the pond, really cute :D


    Paid another £50 into my emergency fund. :j
    0% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE 🤗
    House sale OCT 2022 = NOW MORTGAGE FREE 🤗
    House purchase completed FEB 2023 🥳🍾 Left work. 🤗

    Retired at 55 & now living off the equity £10k a year (until pensions start at 60 & 67).

    Previous Savings diary https://forums.moneysavingexpert.com/discussion/5597938/get-a-grip/p1

    Living off savings diary
    https://forums.moneysavingexpert.com/discussion/6429003/escape-to-the-country-living-off-savings/p1
  • savingwannabe
    savingwannabe Posts: 16,610
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    Well done on all of your hard work and on more decluttering. :j I hope you can have a good rest tomorrow.
    Aiming for a minimal spend 2022
  • Skint_yet_Again
    Skint_yet_Again Posts: 7,512
    First Anniversary Name Dropper First Post
    Forumite
    edited 9 April 2019 at 6:58PM
    Feel really worn out after a busy weekend :o but got loads of cleaning and decluttering done.


    Week 15 decluttering - large dog cage and puppy pads donated to dog rescue centre. Two large plastic beer kegs, 6 small metal beer kegs, 3 large wine racks (metal rusty) and box of assorted stuff to recycling centre.


    Lovely weather yesterday. More bedding washed ready for DF visit next week. DS walked dog for a couple of hours through the forest and she was worn out all afternoon bless her. Took her for a stroll round the pond in the evening sun which was nice.


    Today its pouring with rain ! DS at work so I walked the puppy dog and she loved rolling in the wet grass :rotfl: I had my waterproof coat and trousers on and no one else was around (or daft enough lol)


    My house insurance renewal arrived yesterday. Last year it was £219.06.... with cashback of £30. Anyway renewal is £273.83 with no cash back :eek: Got a few quotes and direct line is cheapest for me £176.96 :T for building and contents, accidental damage, contents away from home etc. so almost £100 less :j Cover is the same & same excess so am very pleased with that. Paid for from annual bills account savings £100 per month.
    0% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE 🤗
    House sale OCT 2022 = NOW MORTGAGE FREE 🤗
    House purchase completed FEB 2023 🥳🍾 Left work. 🤗

    Retired at 55 & now living off the equity £10k a year (until pensions start at 60 & 67).

    Previous Savings diary https://forums.moneysavingexpert.com/discussion/5597938/get-a-grip/p1

    Living off savings diary
    https://forums.moneysavingexpert.com/discussion/6429003/escape-to-the-country-living-off-savings/p1
  • Skint_yet_Again
    Skint_yet_Again Posts: 7,512
    First Anniversary Name Dropper First Post
    Forumite
    edited 9 April 2019 at 8:50PM
    Following on from earlier post ....Have just checked and cash back on house insurance with Halifax last year was £50 so reduced the overall price to £167. This year switching to direct line is cheapest at £176.96 so small increase of £9.96 instead of renewal price of £273.83 !
    0% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE 🤗
    House sale OCT 2022 = NOW MORTGAGE FREE 🤗
    House purchase completed FEB 2023 🥳🍾 Left work. 🤗

    Retired at 55 & now living off the equity £10k a year (until pensions start at 60 & 67).

    Previous Savings diary https://forums.moneysavingexpert.com/discussion/5597938/get-a-grip/p1

    Living off savings diary
    https://forums.moneysavingexpert.com/discussion/6429003/escape-to-the-country-living-off-savings/p1
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