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Rambling on...
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Have a great weekend
I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
Sounds like a splendid way to spend a Sunday, especially the pub bit
Enjoy I get knocked down but I get up again (Chumbawamba, Tubthumping)0 -
Hope the weather holds out for you have a lovely weekend !Started this journey in 2013 (on a previous diary) with approx 94,000 total of morg and debt combined
Total Morg and debt outstanding March 2019. 84,487.00
Total morg and debt o/standing 1/11/19 - 80,177
Total morg and debt o/standing 8/3/20 - 77,996
Total morg and debt Feb 2021 - 75021
Total morg and debt jan 2022 - 68441
Dec 2023 zero mortgage - debt under 100000 -
Hope you dont have too much of the white stuff.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
Morning folks
We had to change our walking plans and done a circuit walk from Peebles over the hills at the cademuir hill forts then back to Peebles following the River Tweed past Neidpath Castle... took us around 3 and a half hours... a good morning hike just before the weather turned wet, windy n wild again. We didn't get our Pub Lunch unfortunately, as the pub we planned going to didn't do meals
However, they are very dog and walkers friendly so we'll defo go again for a pint there. We ended up getting something out the local chippy... not healthy I know but we were hungry...
Into the last stretch before pay day and it will be a stretch... not a lot left in the ole coffers but bills are paid and we have grub etc.
Going to have yet another review of things and see if there is anywhere I can make further savings.
I may post up an SOA to see if you good folks could make some suggestions... wood for the trees n all that, ye know.
Anyhoo, have to get back to that work thingy again.
Have a grand day folks, I'll be in an oot as the day goes on
:ABUGGRITMILLENIUMHANDANDSHRIMP I TOLD EM! - Foul Ole Ron
It is important that we know where we come from, because if you do not know where you come from, then you do not know where you are, and if you don't know where you are, then you don't know where you are going. If you don't know where you're going, you're probably going wrong.
R.I.P. T.P.0 -
Sounds like a great walk to blow away the cobwebs. You deserved the chippy Sealed Pot Challenge 075
Pay off by Xmas 2019 #02 - target £10,0000 -
Happy to look at your SOA I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
Thanks beanielou
I'll get it updated and on here once I get home tonight and have the time and peace n quiet to do it.BUGGRITMILLENIUMHANDANDSHRIMP I TOLD EM! - Foul Ole Ron
It is important that we know where we come from, because if you do not know where you come from, then you do not know where you are, and if you don't know where you are, then you don't know where you are going. If you don't know where you're going, you're probably going wrong.
R.I.P. T.P.0 -
Updated SOA as promised.
Total number of people in household 1
Number of dependent children under 14 in the household 0 Dependent Children with their mother.
Number of dependent children age 14-18 in the household 0
Salary and wages Amount Frequency Notes / Comments
Income
Salary / wages 2149 Monthly
Pensions
State Pension(s) 0 N/A
Private or work pension(s) 0 N/A
Pension Credit 0 N/A
Other Income
Maintenance or child support 0 N/A
Boarders or lodgers 0 N/A
Non-dependent contribution 0 N/A
Student loans or grants 0 N/A
Benefits
Type of benefit
NO BENEFITS 0 N/A
Essential Expenditure
Rent 315 Monthly
Content Insurance 0 N/A
Life Insurance 26 Monthly
Council Tax 85 Monthly
Gas 30 Monthly
Electricity 30 Monthly
TV Licence 13 Monthly
Maintenance Child Support 1000 Monthly
Phone
Home Phone 0 Monthly Bundled with TV/Internet
Mobile Phone(s) 34 Monthly
Travel
Car Insurance 62 Monthly
Vehicle Tax 2.5 Monthly £30 annually
Fuel 80 Monthly
Mot / Maintenance 20 Monthly
Breakdown and Recovery 8 Monthly
Housekeeping (£200 Total Monthly Budget as below)
Food and Milk 150 Monthly
Cleaning and Toiletries 10 Monthly
Alcohol 15 Monthly
Laundry 5 Monthly
Clothing and Footwear 10 Monthly
Pet Food 10 Monthly
Other Expenditure
Repairs / House Maintenance 10 Monthly
Haircuts 10 Monthly
Cable, satellite and Internet 46 Monthly
Hobbies 40 Monthly
Gifts (Birthdays, Xmas etc) 10 Monthly
Vet Bills and Pet Insurance 10 Monthly
DCO Payment 103 Monthly
(Sequestration)
Totals Out 2139.5 9.5 Surplus
So there you go. It's tight but manageable. The recent increases in Rent and Council tax have bit hard.
So folks, where else can I squeeze this?
Thanks BUGGRITMILLENIUMHANDANDSHRIMP I TOLD EM! - Foul Ole Ron
It is important that we know where we come from, because if you do not know where you come from, then you do not know where you are, and if you don't know where you are, then you don't know where you are going. If you don't know where you're going, you're probably going wrong.
R.I.P. T.P.0 -
Apologies for the structure but notepad does weird things with formats, hope folks can make sense of it.BUGGRITMILLENIUMHANDANDSHRIMP I TOLD EM! - Foul Ole Ron
It is important that we know where we come from, because if you do not know where you come from, then you do not know where you are, and if you don't know where you are, then you don't know where you are going. If you don't know where you're going, you're probably going wrong.
R.I.P. T.P.0
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