Get a grip !

savingwannabe

Well done in surviving work and eating healthily. Glad your vacuum cleaner is being sorted. I am so interested in the Shark hoover - I keep seeing it on the telly. My hoover isn't v old so I can't upsize.

savingwannabe

How are you? I hope you had a good day.

Skint_yet_Again

I am so tired. I have been to work this morning and done 2 puppy walks, one in the sun and one this evening in the rain !


Online banking checked and money moved around to pay another credit card payment tomorrow. My house insurance is due for renewal next week so I need to get some quotes over the weekend.


I've used some mince from the freezer with some pasta for dinner. I've taken a West Country steak and ale pie out for tomorrow - I bought two a few weeks ago reduced from £2.60 to 65p.

savingwannabe

It is so good that you are having these puppy walks as walking is motivating. Good luck with renewal. Yum on bargain food.

Skint_yet_Again

I have been updating my SOA to try and get back on track after payday for saving and paying off 0% credit card and once I make a payment tomorrow there should be £600 left to pay.


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................ 1092.84
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 300 food/bills from DS
Total monthly income.................... 1392.84
Monthly Expense Details
Mortgage................................ 211
Council tax............................. 144.28
Electricity............................. 0
Gas..................................... 69.5 dual fuel
Water rates............................. 45.82
Mobile phone............................ 7.6
TV Licence.............................. 12.37
Satellite/Cable TV...................... 36.49 plus phone/internet
Groceries etc. ......................... 320
Clothing................................ 0 included in annual bills
Petrol/diesel........................... 40
Road tax................................ 0 included in annual bills
Car Insurance........................... 0 included in annual bills
Car maintenance (including MOT)......... 28.04
Presents (birthday, christmas etc)...... 50
Haircuts................................ 0 included in annual bills
Entertainment........................... 50
Holiday................................. 0 (2 x council tax free months)
Emergency fund.......................... 0
annual bills............................ 100
union fees.............................. 7.92
Total monthly expenses.................. 1123.02
Secured & HP Debts[/b]
Description....................Debt......Monthly...APR
Mortgage...................... 0........(211)......0
Total secured & HP debts...... 0.........-.........-
Unsecured Debts
Description....................Debt......Monthly...APR
car............................0.........160.......0
credit card....................600.......100.......0
Total unsecured debts..........600.......260.......-

Monthly Budget Summary
Total monthly income.................... 1,392.84
Expenses (including HP & secured debts). 1,123.02
Available for debt repayments........... 269.82
Monthly UNsecured debt repayments....... 260
Amount left after debt repayments....... 9.82
Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -0
Total Unsecured debt.................... -600
Net Assets.............................. -600
Created using the SOA calculator at www.stoozing.com.
Reproduced on Moneysavingexpert with permission, using other browser.

Skint_yet_Again

Sunny day today but very windy and some sharp showers.


I walked puppy in the sun when I got home from work then had a bag of curry noodles for lunch (pack of 4 for £1 in store cupboard).


This afternoon I finally went to the hospital and had my blood tests which would have been 2 weeks ago if DF had not fallen ill. Now that I've done the tests I can start taking the medication the doctor gave me in march to try and sort out my throat ! I also made a payment off my 0% credit card.


It was cold and raining when I came out of the hospital. I walked to the shop and bought a jar of tikka sauce £1 for dinner with some chicken from the freezer.


The petrol light came on today so I will need to put £10 in tomorrow. The car is being collected by the garage on Friday for a service so I need to put some petrol in or they will not be happy if it runs out on the way to the garage. They collect and deliver it back and wash & valet it as part of my service plan which includes service and MOT. The MOT passed in January.


I have a day off on Friday and a friend is coming round so I am looking forward to that.

savingwannabe

I hope the blood tests go well. I can't believe you walked in the showers by me the showers were lethal. I was lucky when I walked I missed the rain.

I am glad you have Friday off - hurrah you can have fun.

pinknsparkly

I'm glad your dad is back home and comfy again! And big congrats on being able to update your signature that must feel great

The weather has been flipflopping between absolute downpours and blazing sunshine down here - and obviously it was a downpour during my lunchbreak when I was planning on going for a walk!!

I think I might have to look into your hoover - we have a long haired, super fluffy cat that sheds EVERYWHERE and whilst our hoover does pick it all up, it's quite a work out to do so (going over each bit of the carpet repeatedly on hands and knees!)

Skint_yet_Again

Thanks Pink, its good to reduce the credit card bill but I am struggling at the moment financially after using most of my emergency fund travelling between home in the south and the north and the additional expenses I have had in the last few months. In fact I am in a bit of a mess.


I realised today that my line rental saver runs out and I need to find £196 or my monthly bill will increase by £19. I usually have the funds to pay this. My home insurance runs out on 1 May and I usually have the funds to pay this, but I may be able to find a pay monthly option hopefully at no extra cost. I think my car is going to need new tyres too I've only got £300 in the bills fund.


The new hoover is great for dog hair and sucks it up instantly I have just hoovered the car in about 15 minutes as it hasn't been cleaned since I took the dog up north when my mum passed away and it was too disgusting to let the garage have it tomorrow I probably shouldn't have bought it as that's another £200 on the 0% credit card but I couldn't manage 10 working days without a hoover when puppy is moulting (that's how long it will take vax to send me replacement)


Just feel really low at the moment

savingwannabe

OMG no wonder you are down. You have been through so much. I don't know how you have dealt with it.

Can you charge the linesaver etc to your credit card on 0%?

You need to speak to dr as this is so much to cope with.

Sending all my love and hugs. Swx