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................ 1076.75
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 280
Total monthly income.................... 1356.75
Monthly Expense Details
Mortgage................................ 208
Secured/HP loan repayments.............. 0
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax............................. 134
Electricity............................. 65 Dual fuel gas & elec
Gas..................................... 0
Oil..................................... 0
Water rates............................. 43.98
Telephone (land line)................... 0
Mobile phone............................ 7.33
TV Licence.............................. 12.12
Satellite/Cable TV...................... 32.5
Internet Services....................... 0
Groceries etc. ......................... 300
Clothing................................ 0
Petrol/diesel........................... 40
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 28.04
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...................... 0
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 50
Haircuts................................ 0
Entertainment........................... 50
Holiday................................. 0
Emergency fund.......................... 0
(Unnamed monthly expense)............... 0
long term savings....................... 100
union fees.............................. 7.84
annual bills............................ 100 includes insurances line rental saver haircuts clothing car tax
Total monthly expenses.................. 1178.81
Secured & HP Debts
Description....................Debt......Monthly...APR
Mortgage...................... 29738....(208)......2.25
Total secured & HP debts...... 29738.....-.........-
Unsecured Debts
Description....................Debt......Monthly...APR
car loan parents...............5580......160.......0
Total unsecured debts..........5580......160.......-

Monthly Budget Summary
Total monthly income.................... 1,356.75
Expenses (including HP & secured debts). 1,178.81
Available for debt repayments........... 177.94
Monthly UNsecured debt repayments....... 160

Amount left after debt repayments....... 17.94


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

Skint_yet_Again

yay SW a whole new month :beer:
Shopping today £55.81 / £300

I bought a small chicken £2.35 and using my trusty kitchen scissors I did spatchcock garlic chicken for tea for me & DS with some crushed garlic and butter under the skin. Usually costs £3.79 to buy one already done from aldi, and there is plenty left for a couple of lunches.


I put £20 petrol in the car this morning and hopefully that will last the month as I am off work for 2 weeks, then I can add the other £20 to my socialising fund !

No plans for the weekend, just chillin :cool:

Skint_yet_Again

Had an early morning text from a friend this morning at 8.30am, did I want to go to IKea at 9.30am, so I quickly showered and got ready and went with her and another friend. Had a fab time, friend drove and we laughed and chatted from 9.30 till 2.30 when I got home.


(Had to take pain killers at lunch time my throat was on fire :(even though I tried not to talk too much. Wish the hospital would hurry up and send me an appointment am fed up with this now...)


We had lunch in store, I had beef rib in bbq sauce with chips & sweetcorn and a cup of tea £7.90. Saves me cooking today as DS is doing his voluntary job with lunch laid on and he can sort himself out some dinner when he gets home tonight.


I bought my friend a wooden stand for her tablet / kindle that she liked for her 50th later this month for £9.00 which will come out of my birthdays fund, and I bought myself an artificial orchid £6 for the bathroom... looks very realistic and I cant kill this one ... hopefully ! I also paid for parking £2.50 as friend drove & other friend bought her lunch.


So that's a fab day out £16.40 / £50 entertainment fund and a lovely start to the month


Am just having a quiet sit with a cuppa... after all I have been walking for a couple of hours !

savingwannabe

Take the rest of the day off. You deserve it.

Skint_yet_Again

"Oh, what a beautiful morning" ....
(cough, cough splutter, splutter, my singing voice is pants ! Gordon MacRae I am not ! )


Am just having my first cup of tea. Bedding is in the machine and another mountain to be done today.

Online banking done and meters read & reported online. Meter reading looks pretty good for gas as we've hardly had the heating on since last months reading but electric is higher, especially as I use the oven so much.

I am going to spend some time in the garden today, I will try and weed the last of the raised bed - only 1/4 left to do and chop back some more of the bushes that have got large and overgrown. The "green bin" is collected on Tuesday so may as well get my money's worth out of it.

Must remember to put some suncream on, especially over my neck scar as I'm supposed to cover it for 12 months to stop it going permanently brown and looking even more like Frankenstein :eek:

savingwannabe

OMG I am just crawling out of bed. I have to dust and do work. If it isn't freezing I might do it in garden. I have loads of weeding to do but I don't think I will bother. Survival of the fittest and all that! lol.

Skint_yet_Again

I've done 3 loads of washing all line dried. Am looking forward to clean sheets on my bed tonight. Have ironed the few things that needed it and the rest has been hung/folded and put away.


I cleaned the bathroom and hoovered upstairs, then I also managed to weed the last 1/4 of my raised bed. Next on the list I need to rake off the remaining bits of slate for re-use later and ready for putting down the weed free membrane next week.


I still haven't had a reply to my complaint from VM but I phoned them today to check my upcoming bill and they were trying to charge me an extra £14 on my bill for line rental when I have paid for line rental saver blooming cheek !


Anyway, at least that is sorted and so I will only pay £2.50 this month. So have decided to use the £30 credit to cover pizza for me, DS and his gf... using a 40% off code :money: it still comes to £32.15 but would cost more if we went out for a meal. I will take the extra £2.15 out of the £17.94 remaining buffer in my soa. I would much rather spend £30 on a treat than give it to VM

Skint_yet_Again

Bad day at work had a run in with colleague so feeling a bit low

Popped to Sainsbobs on way home and got DS & his gf an easter egg as they have lots on offer. I will use funds from birthday/xmas account:

Guylian egg was £6 reduced to £4
Fererro Rocher was £10 reduced to £8

Also I picked up some yellow sticker extra lean diced beef reduced from £3.50 to £2.80 for dinner, am going to do a curry with a jar of madras sauce bought from aldi last week. I've got some chicken breasts to cook for DS's lunches over the next few days so I will put them in oven at same time.

Its cold and foggy here. I was going to wash my work clothes this afternoon but I CBA and it probably won't dry, so I'm sat with my feet up having a cuppa I'm sure I can find something clean for tomorrow, I have some black jeans that will be ok.

savingwannabe

Sorry about colleague :eek:. I hope they move!

Well done on Easter eggs and all the work done yesterday too. It's going to rain by me tomorrow I hope you are ok. I am ok but just not talking any more. :rotfl::rotfl:

Skint_yet_Again

Thanks, I am ok now. I have been out in the garden and vented my feelings with the clippers and hacked down one of the overgrown shrubs


They move tomorrow, can't wait.


Curry is in the oven, smells nice, have just realised I didn't eat lunch which is probably why I'm suddenly ravenous I've been looking at low carb diets on diabetes uk and am going to discuss with diabetic nurse next week. Have put loads of veg in the curry but seems strange not eating rice with it.