Onwards and downwards...

jwil

Hope everyone had a good weekend, we had a nice Saturday just mooching around the house, so got a few things done. Yesterday off to the car boot and then to a car show.

DH has done his back in so this morning was hectic as I had to do everything and walk the dog before work. No time to do any PADs so will see what I can do tomorrow.

Managed to do all that, drop kiddies at nursery, go to the post office and the sorting office and still managed to be in work before 9! I was glad to have a rest

Hiddenidenity

Superwoman! Definitely

Hope DH is feeling better x

jwil

Hiddenidenity wrote: »

Superwoman! Definitely

Hope DH is feeling better x

Haha thank you He's back to work today but still not right.

jwil

Todays pads:

£4.15 to Mortgage
£8.00 to savings
£2.76 to joint od.

One parcel today.

jwil

Todays pads:

£1.39 to Mortgage
£7.00 to savings
£1.15 to joint od.

Four parcels today with some more to pay up.

jwil

Todays pads:

£1.38 to Mortgage
£3.00 to savings
£2.14 to joint od.

Two parcels today.

jwil

I had an experiment with SW cheese and onion pasties today using the wraps. They were a bit of a failure as I overfilled them and so they didn't seal up. They were lovely though so I'll have a go again! I've frozen the rest of the wraps now for the time being.

I am trying to get in the frame of mind to lose some weight, so trying out these sorts of things are good for lunches on the go where leftovers and salads aren't so suitable.

I've been doing my admin and I'm about to have a go at my updated SOA to see what the latest situation will be _pale_

I've got a load of listing to do for DH so will sort that later as well. Must get some done for me!

jwil

I've had another CCA request returned today. So that's two that are enforceable. I'm sure they all will be, but there's a chance one might not be.

jwil

Statement of Affairs and Personal Balance Sheet

Household Information
Number of adults in household........... 2
Number of children in household......... 2
Number of cars owned.................... 2

Monthly Income Details
Monthly income after tax................ 1770
Partners monthly income after tax....... 400
Benefits................................ 137
Other income............................ 0
Total monthly income.................... 2307

Monthly Expense Details
Mortgage................................ 651
Secured/HP loan repayments.............. 0
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax............................. 138
Electricity............................. 45
Gas..................................... 39
Oil..................................... 0
Water rates............................. 83
Telephone (land line)................... 30
Mobile phone............................ 5
TV Licence.............................. 13
Satellite/Cable TV...................... 10
Internet Services....................... 20
Groceries etc. ......................... 160
Clothing................................ 10
Petrol/diesel........................... 50
Road tax................................ 12
Car Insurance........................... 22
Car maintenance (including MOT)......... 20
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 853
Other child related expenses............ 10
Medical (prescriptions, dentist etc).... 2
Pet insurance/vet bills................. 10
Buildings insurance..................... 8
Contents insurance...................... 8
Life assurance ......................... 19
Other insurance......................... 0
Presents (birthday, christmas etc)...... 40
Haircuts................................ 0
Entertainment........................... 10
Holiday................................. 10
Emergency fund.......................... 20
Total monthly expenses.................. 2298


Assets
Cash.................................... 1000
House value (Gross)..................... 200000
Shares and bonds........................ 0
Car(s).................................. 500
Other assets............................ 0
Total Assets............................ 201500


Secured & HP Debts
Description....................Debt......Monthly...APR
Mortgage...................... 124000...(651)......2.24
Total secured & HP debts...... 124000....-.........-

Unsecured Debts
Description....................Debt......Monthly...APR
1..............................2289......1.........0
2..............................8339......1.........0
3..............................6879......1.........0
8..............................597.......1.........0
7..............................4790......1.........0
6..............................4569......1.........0
5..............................2359......1.........0
4..............................4011......1.........0
Total unsecured debts..........33833.....8.........-


Monthly Budget Summary
Total monthly income.................... 2,307
Expenses (including HP & secured debts). 2,298
Available for debt repayments........... 9
Monthly UNsecured debt repayments....... 8
Amount left after debt repayments....... 1

Personal Balance Sheet Summary
Total assets (things you own)........... 201,500
Total HP & Secured debt................. -124,000
Total Unsecured debt.................... -33,833
Net Assets.............................. 43,667

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

jwil

This is what my SOA should look like from next month. It balances (just) :rotfl: :T

It's based on the assumption that we will lose all tax credits and what DH pays towards bills on a month he doesn't work much. (He pays for other stuff separately and pays more when he can). So in reality it should look better than that.

I've just opened another savings account and I'm going to try and put the money away each month towards the annual bills/birthday/xmas etc. So that's roughly £200. Any extra from surveys/ebay/additional income will go towards savings/mortgage/debts and F&F. Once DH is permanent again and little miss gets the free nursery hrs I should be able to redo the budget towards higher debt repayments.