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Onwards and downwards...
Comments
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Mumoffourkids wrote: »That is good news that no further action is being taken. What a weight off your mind. And good that you are back on the ebay listing. I need to do some more. I have a list of what to sell next but really can't be bothered to do all the photographing, describing etc. But then I really want to clear out the house and make some money so I will have to have another listing day. Maybe this weekend because three of the kids are going to their dads this weekend.
Keep going with the decluttering!
Yes it's a massive relief!
I don't do everything at once with the listing. I photo and make any notes on the description at one point, and then pack the items away. I then list whenever I get some time. It saves a lot of hassle and means the ebay stuff isn't always lying around for ages.
Good luck this weekend, it sounds like a chance to get some done!"Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee0 -
Right, revisiting last week's list with some more to add:
[STRIKE]Amazon pantry order[/STRIKE]
[STRIKE]Look for curtain rail for kids[/STRIKE]
[STRIKE]Pay in little jwil's birthday cheque[/STRIKE]
Little jwil's thank you cards
[STRIKE]Catch up with ebay listings[/STRIKE]
Clean kitchen
Clean bathroom
Change beds
[STRIKE]Change towels and bathmats[/STRIKE]
Clean kids bedroom and reorganise books
Get DH to build toy storage
Open all doors and windows to let fresh air in
[STRIKE]Hang washing on line[/STRIKE]
Vacuum downstairs
Vacuum upstairs
Tidy clothing
Register with holiday club
[STRIKE]Book after school club[/STRIKE]
[STRIKE]Book school lunches[/STRIKE]
[STRIKE]Do eBay sales admin[/STRIKE]
Sort out proof of postings
Do financial admin
[STRIKE]Update declutter list and Feb's totals[/STRIKE]
Check packaging levels
Sort out new stuff to list
[STRIKE]Cash in PA[/STRIKE]
[STRIKE]Cash out £5 amazon on one site[/STRIKE]
Cash out £5 amazon on second site
Cash out TCB
Catch up with surveys and check balances
Get DH to put up curtain rail
Wash down stairs and handrail
Wipe all light switches and handles
Do new SOA
Clean and de-cobweb hallway and landing
Clean sofas
Nursery review
Mortgage spreadsheet
Check about switching energy
2 x birthday gifts"Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee0 -
I've put some bits back on as will do them again to try and keep on top of things!
I've got sausage casserole in the slow cooker, it's making me hungry :drool:
5 parcels posted today. It's parents evening this evening for little jwil as well."Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee0 -
Is that where you go to a school to hear what a joy he is?Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 12st determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge.0
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You are right to wait it out. I'm just too impatient.
So glad the police are dropping the case. Wish they were persuing the other person for wasting police time.
The lurgy will clear - lurgy season is September to March. The end is in sight.
XxxLoan 1 £5200/£8000
Loan 2 £300/£5800
Total £5500/£138000 -
in_need_of_direction wrote: »Is that where you go to a school to hear what a joy he is?
Yes, and it was very positive :heart2: so it was nice to hear how he was getting on, and see his workbooks. He's doing really well with his maths (does not get that from me!!) but is a little behind with his writing, so we need to do some work on that.You are right to wait it out. I'm just too impatient.
So glad the police are dropping the case. Wish they were persuing the other person for wasting police time.
The lurgy will clear - lurgy season is September to March. The end is in sight.
Xxx
Haha, I was so happy to wait it out until you put the idea in my head again
I've been thinking about which one I might target. 
I am going to hold out though until I can get a bit more cash together. I need to learn to be patient!
I am glad they are dropping the case too. I wish they had as well. I went back to the place it happened yesterday, and the staff who know us had seen the CCTV as it's been requested by our insurance co. They said straight out without me even saying a thing that it was not our fault so hopefully the insurance co will agree too and the other party will end up with a hefty insurance bill!"Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee0 -
Todays pads:
£3.29 to Mortgage
£5.00 to debt savings
£1.31 to em savings
Debt savings - [STRIKE]£19,320[/STRIKE]/£18,215 - £1105 paid :T"Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee0 -
New SOA with new year's bills
Ouch! DH will be contributing more so it will balance, but I haven't included that yet as we need to see what he will be earning this year.
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................................ 687
Secured/HP loan repayments.............. 0
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax............................. 145
Electricity............................. 50
Gas..................................... 50
Oil..................................... 0
Water rates............................. 79
Telephone (land line)................... 20
Mobile phone............................ 7.5
TV Licence.............................. 13
Satellite/Cable TV...................... 15
Internet Services....................... 15
Groceries etc. ......................... 160
Clothing................................ 10
Petrol/diesel........................... 50
Road tax................................ 14
Car Insurance........................... 22
Car maintenance (including MOT)......... 20
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 905
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.................. 2399.5
Assets
Cash.................................... 1010
House value (Gross)..................... 200000
Shares and bonds........................ 0
Car(s).................................. 500
Other assets............................ 0
Total Assets............................ 201510
Secured & HP Debts
Description....................Debt......Monthly...APR
Mortgage...................... 119474...(687)......2.49
Total secured & HP debts...... 119474....-.........-
Unsecured Debts
Description....................Debt......Monthly...APR
1..............................2281......1.........0
2..............................8331......1.........0
3..............................3994......1.........0
5..............................4781......1.........0
4..............................1894......1.........0
Total unsecured debts..........21281.....5.........-
Monthly Budget Summary
Total monthly income.................... 2,307
Expenses (including HP & secured debts). 2,399.5
Available for debt repayments........... -92.5
Monthly UNsecured debt repayments....... 5
Amount short for making debt repayments. -97.5
Personal Balance Sheet Summary
Total assets (things you own)........... 201,510
Total HP & Secured debt................. -119,474
Total Unsecured debt.................... -21,281
Net Assets.............................. 60,755
Created using the SOA calculator at https://www.stoozing.com.
Reproduced on Moneysavingexpert with permission, using other browser."Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee0 -
I hate this time of year with all the price increases on everything
Hope you can manage to make it balance.
x“Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”0 -
WannabeFree wrote: »I hate this time of year with all the price increases on everything
Hope you can manage to make it balance.
x
Thanks, it's so depressing It will balance and from the beginning of next year little miss will get her free hours so it will look better then! "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee0
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