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Get a grip !

edited 25 November 2018 at 8:52AM in How much have you saved?
2.4K replies 177.9K views
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  • savingwannabesavingwannabe Forumite
    15.1K posts
    Tenth Anniversary 10,000 Posts
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    Well done with the warranty forms hopefully the car cost wont be too much. I hope you can get a 0percent credit card for the vet bills and that will be much better to pay off and less stressful.

    Well done on all the washing and plan for decluttering. I am on a tidy up plan too as soon as I finish my cup of tea!

    It's sunny here hopefully you will have a fabulous day.:j:beer:
    Trying to be frugal 18/31Jan; 15/29 Feb 26/31 March 23/30 April 18/31 May 20/300 Jun NSDs.
    Saving change in money box.
  • Skint_yet_AgainSkint_yet_Again Forumite
    4.8K posts
    Eighth Anniversary 1,000 Posts Name Dropper
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    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................ 1123.17
    Partners monthly income after tax....... 0
    Benefits................................ 0
    Other income............................ 180 bills from DS & gf
    Total monthly income.................... 1303.17

    Monthly Expense Details

    Mortgage................................ 227.4
    Secured/HP loan repayments.............. 0
    Rent.................................... 0
    Management charge (leasehold property).. 0
    Council tax............................. 148
    Electricity............................. 0
    Gas..................................... 70
    Oil..................................... 0
    Water rates............................. 47.51
    Telephone (land line)................... 51 incl b/band tv
    Mobile phone............................ 7.55
    TV Licence.............................. 12.82
    Groceries etc. ......................... 200 includes DS to 15th
    Clothing................................ 0 piad from annual bills
    Petrol/diesel........................... 40
    Road tax................................ 0 paid from annual bills
    Car Insurance........................... 0 paid from annual bills
    Car maintenance (including MOT)......... 28.04
    Buildings insurance..................... 0 paid from annual bills
    Contents insurance...................... 0 paid from annual bills
    Presents (birthday, christmas etc)...... 50
    Haircuts................................ 0 paid from annual bills
    Entertainment........................... 50
    Holiday................................. 0 use 2 months council tax free
    Emergency fund.......................... 0
    Union fees.............................. 8.04
    Annual bills............................ 100
    Dog food................................ 10
    Total monthly expenses.................. 1050.36




    Secured & HP Debts[/b]
    Description......Monthly...APR
    Mortgage........(227.4)..../?
    Total secured & HP debts...... 0.........-.........-

    Unsecured Debts
    Description...Monthly...APR
    cc.................50........0
    car loan........160.......0
    Total unsecured debts..........0.........210.......-


    Monthly Budget Summary

    Total monthly income.................... 1,303.17
    Expenses (including HP & secured debts). 1,050.36
    Available for debt repayments........... 252.81
    Monthly UNsecured debt repayments....... 210
    Amount left after debt repayments....... 42.81



    Created using the SOA calculator at www.stoozing.com.
    Reproduced on Moneysavingexpert with permission, using other browser.
    0% credit card £1360 ~ paid in full
    0% Car Loan £7500 ~ paid in full
    JAN 2020 = NOW DEBT FREE
    Emergency fund £1000 / £1000
  • Skint_yet_AgainSkint_yet_Again Forumite
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    Eighth Anniversary 1,000 Posts Name Dropper
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    I started clearing out yesterday and ended up on the sofa in front of the TV with the dog :rotfl:must try harder today !! I did mop the floor and sort a big bag of paperwork and I did manage a NSD. :D We had enchiladas for dinner from a kit bought in aldee instead of a takeaway.

    I have worked out my budget (above) as near as possible. Hopefully the food will be less but includes DS to 15th as he gets paid then and he already gave me money for his food last month.

    I am hoping to only spend £100 a month on food for just me once we get to the following month. I have factored electric/gas increase and some toiletries/cleaning stuff into the rent (loo rolls, dishwasher tablets, cling film, bathroom cleaner etc).


    I am going to try not to think about the vet bills at the moment. DS has had a text from the insurer to say they have received a claim so hopefully by the end of next week we will know how much they are paying and what amount is left and we can then sort out a plan to clear it off my non-0% credit card.


    Today I need to do some washing, clear/file another pile of paperwork (mostly bills and credit card statements) Am aiming for another NSD. I also need to cut the grass and chop back some overgrown shrubs which I will do either today (when DS takes dog out this afternoon) or tomorrow.
    0% credit card £1360 ~ paid in full
    0% Car Loan £7500 ~ paid in full
    JAN 2020 = NOW DEBT FREE
    Emergency fund £1000 / £1000
  • savingwannabesavingwannabe Forumite
    15.1K posts
    Tenth Anniversary 10,000 Posts
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    I think your new budget is looking really good. All being well the insurance company should pay the majority of the vet bill (which is the job we pay them for) so soon you will be able to pay all the cc off and you wont need to worry.

    You have as usual a list of difficult jobs to do please do try to rest a bit this weekend your health comes first Skinty.

    Maybe if you can do a bit of gardening (not lots) you can enjoy it when the weather gets better. I am so busy at work this is our worst month so I am trying to follow the same advice.
    Trying to be frugal 18/31Jan; 15/29 Feb 26/31 March 23/30 April 18/31 May 20/300 Jun NSDs.
    Saving change in money box.
  • Skint_yet_AgainSkint_yet_Again Forumite
    4.8K posts
    Eighth Anniversary 1,000 Posts Name Dropper
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    Thanks SW, don't worry I didn't overdo it ;) I "rested" in the afternoon (laid on sofa and snoozed with puppy dog :D ) We had a lovely walk in the morning then I hung out washing and it clouded over - typical ! It still stayed dry though & dried my washing.


    Unfortunately my main oven blew up as I cooked lunch :( It was a bit dramatic with a flash of light and a puff of smoke ! After resetting the fuses it seems to be the main element that has blown and as I have changed this before I will isolate the electrics to the cooker later and stick my head in with a screwdriver and remove the element. Last time (many years ago) when the last element blew I got one online for about £12. Luckily I still have a smaller top oven /grill and a combi microwave/oven/grill so can manage without the main oven for a while. The hob still works fine too. I hope that's my last financial bit of bad luck !


    Week 18 declutter (cant believe its week 18 just gone) - 2 kitchen cupboards tidied & old steamer & various unused plastic pots to go to tip. Another large bag of paperwork sorted / shredded. 1 pile left to do.


    Used up some pork loin steaks for dinner, grilled with rice and stir fry veg. Got the last 2 chicken breasts from the freezer to defrost for DS work lunch tomorrow. Using up odds and sods from the freezer to save money and have a clear out before DS & gf start to buy their own food.
    0% credit card £1360 ~ paid in full
    0% Car Loan £7500 ~ paid in full
    JAN 2020 = NOW DEBT FREE
    Emergency fund £1000 / £1000
  • Skint_yet_AgainSkint_yet_Again Forumite
    4.8K posts
    Eighth Anniversary 1,000 Posts Name Dropper
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    Thank goodness its Friday !


    Another new year resolution completed this week, had a check up at the dentist. No additional work needed. £22.70 paid from annual bills account.


    I collected a new pair of summer walking shoes for dog walking today also paid from annual bills account. £37.99 reduced from £54.99.


    Yesterday I met up with a friend and we went to toby carvery. Lovely food and a good chat, refillable pepsi-max, total £9.98 paid from entertainment budget.


    Its been a bit of a spendy week but all accounted for. Looking forward to a relaxing no-spend weekend :D
    0% credit card £1360 ~ paid in full
    0% Car Loan £7500 ~ paid in full
    JAN 2020 = NOW DEBT FREE
    Emergency fund £1000 / £1000
  • savingwannabesavingwannabe Forumite
    15.1K posts
    Tenth Anniversary 10,000 Posts
    ✭✭✭✭✭
    Hurrah for nice dentist appointment, new walking shoes and carvery! Yum I am vvv envious.

    It is a bit chilly here but I hope the weekend will be glorious later. Have a nice rest and put your feet up!
    Trying to be frugal 18/31Jan; 15/29 Feb 26/31 March 23/30 April 18/31 May 20/300 Jun NSDs.
    Saving change in money box.
  • ChrystalChrystal Forumite
    1.3K posts
    1,000 Posts Third Anniversary Name Dropper
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    Things sound as though they're on the up, and brilliant that you had your 'pots' that you could take the money from for the things you needed. :)
    I Believe.....
    That it isn't always enough, to be forgiven by others.
    Sometimes, you have to learn to forgive yourself.

    Yesterday is history, tomorrow is a mystery
    Today is a gift. That's why it is called the present.

    happiness isn't achieved by getting extra things,
    but by getting rid of the things that make you unhappy
  • Skint_yet_AgainSkint_yet_Again Forumite
    4.8K posts
    Eighth Anniversary 1,000 Posts Name Dropper
    ✭✭✭✭
    Thanks Chrystal. I will be less anxious once we get the pet insurance bill sorted. I phoned the insurer today and there has been a problem with one of the vets sending the wrong invoice ! but that is sorted and we should hear later next week.


    I fed puppy dog at 6am then went back to bed and had a lie in this morning. I scrubbed and bleached the bathroom & cleaned the floor then took puppy dog out for a walk. I hung out washing and started weeding the patio when my friend rang and asked if I wanted to go to a table top sale in the local church. So off we set to find that it had finished at 12 ! So we went for coffee and cake instead at a local independent coffee shop. Paid for from my entertainment budget.


    It was cold and looked like rain on the walk home so I finished off the weeding and chopped back one of the overgrown shrubs. Thankfully it didn't rain and my towels dried outside. I walked puppy dog again tonight and am now resting !
    0% credit card £1360 ~ paid in full
    0% Car Loan £7500 ~ paid in full
    JAN 2020 = NOW DEBT FREE
    Emergency fund £1000 / £1000
  • savingwannabesavingwannabe Forumite
    15.1K posts
    Tenth Anniversary 10,000 Posts
    ✭✭✭✭✭
    Hurrah for tidying, table top sale and then meal out. Sounds like a great day.:beer:
    Trying to be frugal 18/31Jan; 15/29 Feb 26/31 March 23/30 April 18/31 May 20/300 Jun NSDs.
    Saving change in money box.
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