Get a grip !

Skint_yet_Again

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................ 1122.96
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 190 bills DS & gf
Total monthly income.................... 1312.96


Monthly Expense Details
Mortgage................................ 227.4
Council tax............................. 148
Electricity............................. 80 & gas
Water rates............................. 47.8
Mobile phone............................ 7.49
TV Licence.............................. 12.37
Satellite/Cable TV...................... 54 TV/phone/broadband
Groceries etc. ......................... 100
Petrol/diesel........................... 40
Car maintenance (including MOT)......... 50
Presents (birthday, christmas etc)...... 50
Entertainment........................... 50
Emergency fund.......................... 100
annual bills ........................... 100
dog food................................ 15
union fees.............................. 8.54
Total monthly expenses.................. 1090.6



Secured & HP Debts[/b]
Description............Monthly...
Mortgage..............(227.4)....0

Unsecured Debts
Description....debt .Monthly...APR
0% credit card.748......50........0
car loan....780....160.......0
Total unsecured debts..210.......-




Monthly Budget Summary
Total monthly income.................... 1,312.96
Expenses (including HP & secured debts). 1,090.6
Available for debt repayments........... 222.36
Monthly UNsecured debt repayments....... 210

Amount left after debt repayments....... 12.36


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


Car insurance/tax breakdown cover, house insurance buildings & contents, clothes, haircuts, house maintenance, all paid from household bills account where I put £100 per month

Skint_yet_Again

I phoned virgin media today as I have been paying £51 a month for TV, broadband, line rental, Tivo box. HD+ box, free weekend calls to landlines. My latest bill showed £54 so I phoned them and was told it had gone up, but I said I haven't had a letter or email. They offered me £51 for 6 months then £54, but after a bit of haggling I got £30 cashback as part of a new deal. I was quite pleased with that so signed up for another 12 months. So they said that's £54 for September, £16.95 in October, then £50.50 for another 4 months, then £53.50 a month.


old rate £51 x 12 = 612
increase £54 x 12 = 648
new deal £54 + 16.95 + (4x 50.50) + (53.50 x 6) = 593 :T

savingwannabe

Well done on your negotiation skills with virgin, excellent paying off on car and also CC. Then you and I are going to save for retirement. Yay.

Skint_yet_Again

Lovely sunny Autumn morning just back from walking the dog.

1st sept today ... Where did August go !!

Savings for September
£50 birthdays & Christmas
£100 annual bills
£100 emergency fund
£15 dog food fund
£50 car fund maintenance mot service

Washing is on and should dry outside today. It was cloudy and drizzly yesterday so spent the day between dog walks curled up on the sofa watching TV and eating junk

savingwannabe

Well done on the savings that's a lot!!!! You deserve a nice weekend. We had good weather and I hope you did too. It's nice being rich isn't it? :money::money:

Skint_yet_Again

Spent Sunday hoovering dog room, mopping kitchen floor & scrubbing patio after walking dog. It's come really cloudy and cold this afternoon. I walked pupoy dog with jeans, fleece jacket & new walking shoes on.

I put the joint of pork bought from aldi into the slow cooker, then shredded it. I had some with steamed potatoes, broccoli & carrots & gravy and the last of the apple sauce from my freezer (made by DM ) it was lovely. There should be enough left for a couple of dinners and a couple of rolls / wraps.

Decluttering w/e sun 1 sept week 35

4 medicine bottles removed from bedroom washed & to bottle bank for recycling
Empty pill boxes from bedroom into recycling

Skint_yet_Again

Have been feeling poorly all week with a sore throat and ear ache so not much done apart from work, dog walk & sleeping.


Saturday I walked the dog, hung out towels to dry outside, hoovered, cleaned bathroom & kitchen then had 8 friends round for pamper day. It was supposed to be at one of the other girls houses but her husband was ill so I was the only one who could step in at short notice. The therapist came and I had a massage and facial £20 from entertainment budget. it was lovely and so relaxing, especially after all that cleaning ! Everyone brought food & drinks and I had bought a quiche and chocolate brownies and a bottle of strawberry lambrini £6.85 from entertainment budget. The dog went into her pen so she couldn't jump on everyone as she gets so excited lol. I put throws over the sofas and arm chairs in the kitchen for everyone to sit on, and we set up the therapists folding massage table in the living room.


I have spoken to the therapist and she is going to come to my home once a month from now onwards just for me, so I can have a monthly massage on my neck and shoulders to help my back and neck pain. So I will factor £20 spend into my budget from now onwards.


In the evening my DS's friends dog came for a sleepover. Thankfully the dog gets on really well with our dog and she soon put him in his place when he tried to get amorous with her :rotfl:(She has been spayed so thankfully no chances of little puppies !!) They slept quietly all night. He is coming to stay for 2 weeks later this month & DS is off work so will be looking after & walking both of them.


Today DS's gf fed the dogs at 6am before she went to work and DS walked the dogs at 9 so I had a lie in. I've done 2 loads of washing & tidied the bathroom cupboard to put away the towels from yesterday.


Decluttering w/e Sunday 8 Sept week 36


1 medicine bottle from upstairs & 4 empty wine bottles downstairs - washed & bagged up for recycling. 2 boxes into recycling. 1 old face cloth brought downstairs & now under kitchen sink for cleaning. 2 old washbags no longer used & bit grubby - binned.

savingwannabe

Oh no I am so sorry you haven't been well.

I am glad you had the pamper party but I bet you were tired after all that work. I would have been shattered just after all the cleaning.

This massage sounds great I bet its really relaxing. The dog sleepover sounds marvellous I reckon you have a very lucky dog!!!! Lol to her sorting out the Romeo!!!

I cannot believe that you decluttered after such a tough week and busy weekend. OMG when do you rest????? Good luck next week.

[Deleted User]

Hi Skint yet Again, your pampering party sounds lovely. I've never had a massage, but I would love to try it one day.

Well done on the decluttering. That's one of my focuses at the moment, so that I can move without too much junk to deal with.

bln

Skint_yet_Again

Decluttering is an ongoing process :rotfl: I don't think we will ever be clutter free but I am managing to not let it build up.

Went to cashpoint after work and then to co-op as I need some change for a work collection. Bought a pack of leeks half price 56p and a shepherds pie half price £1.42. Have just had it for tea with leek and some green beans my friend gave me on Saturday from her allotment.

It's been raining all afternoon. I took the dog for a walk when it eased off. Good news my new dog walking shoes are actually waterproof
It's dark already, it's only 7.30pm !!

I heard from asda tyres today from the claim I made back in May. The tyre cost £47.99 and they are refunding £39.84. There is a small deduction for wear and tear as I had it for just under a year before it started to perish. I bought 4 tyres at same time but only 1 had a problem. It was legal and not dangerous but needed replacing in May after less than a year. I will put the money in my car fund once it arrives in my bank account this week.