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Get a grip !

edited 25 November 2018 at 8:52AM in How much have you saved?
2.4K replies 177.8K views
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  • I loved watching Alvin Hall's tv programme. I still have the book somewhere :)
  • savingwannabesavingwannabe Forumite
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    I'm going to watch it on 'Catch 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.
  • edited 27 February 2017 at 5:23PM
    Skint_yet_AgainSkint_yet_Again Forumite
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    edited 27 February 2017 at 5:23PM
    payday tomorrow :j
    Took porridge to work for breakfast & have just had some leftover slices of roast beef from the freezer with quick curry sauce (1 tablespoon gravy granules & 1 tablespoon curry powder) & half pack micro rice. Have a chicken in the fridge to roast later with potatoes and veg & then that's it - fridge and freezer looking very empty. Will go shopping tomorrow.


    Good things for Feb -
    saved £100 into long term savings
    saved £50 in xmas account
    saved £128 into holiday account (council tax free month)
    saved just under £50 from grocery budget (into bills account)
    saved £10 from petrol budget - carried forward
    met up with a new lovely friend :D:D:D
    have done some de-cluttering
    bank rewards - £3.72

    Plans for march -
    -lose 3lb (weighed myself and am 3lb up on pre operation weight)
    -save £100 into long term savings
    -save £50 into xmas account
    -save £128 into holidays account (council tax free month)
    - another £3.72 bank rewards
    -save £100 into bills account - line rental saver due for renewal, house insurance due may & 2 fence panels being replaced Easter
    -more de-cluttering and put spare wardrobe on gum tree
    -get out more - do more socialising now the weather is getting warmer but within budget of course :D
    0% credit card £1360 ~ paid in full
    0% Car Loan £7500 ~ paid in full
    JAN 2020 = NOW DEBT FREE
    Emergency fund £1000 / £1000
  • edited 27 February 2017 at 5:45PM
    Skint_yet_AgainSkint_yet_Again Forumite
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    edited 27 February 2017 at 5:45PM
    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............................. 128 (2 free mth holiday fund)
    Electricity............................. 65 dual fuel
    Gas..................................... 0
    Oil..................................... 0
    Water rates............................. 44
    Telephone (land line)................... 0
    Mobile phone............................ 7
    TV Licence.............................. 12.12
    Satellite/Cable TV...................... 0
    Internet Services....................... 38 TV bband phone TiVo/HD
    Groceries etc. ......................... 300
    Clothing................................ 0
    Petrol/diesel........................... 40
    Road tax................................ 0
    Car Insurance........................... 0
    Car maintenance (including MOT)......... 28.28
    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
    union fees ............................. 7.76
    savings for bills....................... 100 (car/house ins line rent house maintenance
    long term savings ...................... 100
    Total monthly expenses.................. 1178.16


    Assets

    Cash.................................... 0
    House value (Gross)..................... 0
    Shares and bonds........................ 0
    Car(s).................................. 0
    Other assets............................ 500 emergency fund
    Total Assets............................ 0


    Secured & HP Debts

    Description....................Debt......Monthly...APR
    Mortgage...................... 29738....(208)......2.25
    Total secured & HP debts...... 29738.....-.........-

    Unsecured Debts
    Description....................Debt......Monthly...APR
    parents car loan...............5420......160.......0
    Total unsecured debts..........5420......160.......-


    Monthly Budget Summary

    Total monthly income.................... 1,356.75
    Expenses (including HP & secured debts). 1,178.16
    Available for debt repayments........... 178.59
    Monthly UNsecured debt repayments....... 160
    Amount left after debt repayments....... 18.59

    Personal Balance Sheet Summary
    Total assets (things you own)........... 0
    Total HP & Secured debt................. -29,738
    Total Unsecured debt.................... -5,420
    Net Assets.............................. -35,158

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





    I have updated my SOA with the new gas/electric and increased bills/food money from DS. I am planning to have as much fun as possible on that £50 entertainment budget ! I must look at tv phone & b/b deals too or try and barter down with VM this month
    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
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    Good. If they don't agree to a big reduction threaten to leave. Well done on having a plan. I have got to get one. I just spent my entire Christmas fund! lol.
    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
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    Well you know the old saying about "best laid plans ..." hopefully nothing will crop up but if I see a bargain you never know ;)


    I have spoken to my dad about the tile stickers as I got no replies to my post on the In your home board and I am not going to buy them. He thinks they will be too close to my gas hob - naked flame and all that - its a shame as they did look good but don't want to risk it.
    0% credit card £1360 ~ paid in full
    0% Car Loan £7500 ~ paid in full
    JAN 2020 = NOW DEBT FREE
    Emergency fund £1000 / £1000
  • Wow, you did well with your savings this month skintyetagain!

    Shame about the tile stickers, they sounded like sucha good idea!
  • savingwannabesavingwannabe Forumite
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    Tenth Anniversary 10,000 Posts
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    Ive seen them used on tv shows where they decorate houses and I am surprised they are not fire retardant (how do you spell it?) seeing as they are likely to be used in a kitchen or bathroom. Still at least you know before you find out.

    Someone suggested to me that we can paint on the tiles but I don't know which paint. Mine need doing too.
    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.
  • edited 27 February 2017 at 8:03PM
    Skint_yet_AgainSkint_yet_Again Forumite
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    edited 27 February 2017 at 8:03PM
    I know they were a bargain too MM - perhaps I should buy some and flog them on ebay ;) ... I found the same ones on amazon and they are much more expensive !


    SW - They are heat resistant up to 60-80 degree C (140 - 176 degree F) but warning keep away from fire source at least 30 cm from flame - they would not be far enough away from my gas hob
    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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    Payday :j


    We have food again ! Shopping budget March £55.30 / £300


    I have been fancying pizza for days since being inundated with voucher codes by email & text & through the letterbox so I treated myself to a sweet chilli chicken pizza from aldee £1.39 for lunch... I am stuffed :p


    Online banking done & council tax-free month money £128 moved into holiday account. That's £256 and should be enough for petrol & visit to family in the summer :T
    0% credit card £1360 ~ paid in full
    0% Car Loan £7500 ~ paid in full
    JAN 2020 = NOW DEBT FREE
    Emergency fund £1000 / £1000
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