When things hit rock bottom the only answer is to fight the way back up...

missymoo81

Oh what good news! Such a big help and a weight off your mind I'm sure! Well done on keeping at them to get it sorted.

Toni'sfriend

That is absolutely wonderful news, Hidden. Yesterday turned out to be a good day, Take care and look after yourself.

[Deleted User]

Excellent Hun, that'll help make things easier for you xx

pennywisepoundstupid

Fantastic news Hidden, really pleased for you.x.

Kittychick

Fantastic news, I'm sure it will make such a difference! It's a horrible thought that you could have not claimed this..and that there are other people right now who should be able to get this but don't even know... Well done for sticking with it!

mummytogirls

Morning HI,

Just caught up with the last day of your diary and wow is all I can say!!!
Im really glad that things are totally going in the right direction for you. Will you just throw all the extra money (not DD's DLA) but the other bits at the debt or will you give yourself a bit of breathing space with the grocery budget etc?

Have a lovely Sunday xx

Hiddenidenity

mummytogirls wrote: »

Morning HI,

Just caught up with the last day of your diary and wow is all I can say!!!
Im really glad that things are totally going in the right direction for you. Will you just throw all the extra money (not DD's DLA) but the other bits at the debt or will you give yourself a bit of breathing space with the grocery budget etc?

Have a lovely Sunday xx

I'm really not sure

Right now I don't budget anything for gifts/christmas/clothes/entertainment anything we do comes from the grocery budget. I think the grocery budget might go up a bit when I'm working too? because we will all need pack lunches everyday etc.

I don't know what to do for the best.

Hiddenidenity

Statement of Affairs and Personal Balance Sheet

Household Information
Number of adults in household........... 1
Number of children in household......... 3
Number of cars owned....................

Monthly Income Details
Monthly income after tax................ 816
Partners monthly income after tax....... 0
Benefits................................ 784.8
Other income............................ 564.4
Total monthly income.................... 2165.2

Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 490
Management charge (leasehold property).. 0
Council tax............................. 81 Has 25%
discount and over 12 months
Electricity............................. 30 This is what we use
Gas..................................... 30 We aren't using this much right now, the meter has credit but I will build it up for winter
Oil..................................... 0
Water rates............................. 21 Metered
Telephone (land line)................... 0
Mobile phone............................ 5 Pay&go
TV Licence.............................. 22 This should half very soon.
Satellite/Cable TV...................... 35 Opps yep I signed up for TV/Broadband
Internet Services....................... 0
Groceries etc. ......................... 180 Hmm
Clothing................................ 0
Petrol/diesel........................... 0
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 60 Will need bus pass for work but will use for appointments too
Childcare/nursery....................... 60 dinners.snacks/youngest nursery contribution
Other child related expenses............ 30 There is something every week at school to pay for/clubs
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)...... 0
Haircuts................................ 0
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 1044


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

No Secured nor Hire Purchase Debts

Unsecured Debts
Description....................Debt......Monthly...APR
Council Tax....................1620......50........0
Rent...........................3005......55........0
Fine 2.........................30........20........0
Friend ........................1360......90........0
Aunt...........................1000......50........0
Stepdad........................1000......50........0
Mum............................340.......50........0
Total unsecured debts..........8355......365.......-


Monthly Budget Summary
Total monthly income.................... 2,165.2
Expenses (including HP & secured debts). 1,044
Available for debt repayments........... 1,121.2
Monthly UNsecured debt repayments....... 365
Amount left after debt repayments....... 756.2 :cool:

Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -0
Total Unsecured debt.................... -8,355
Net Assets.............................. -8,355

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

Okay so new SOA.

I know there's things missing, but I've never budgeted for them and have no idea where to start? Whats a normal amount. Not too much not too little.

Usually everything missing comes from the grocery budget, long term I know that isn't practical.

AlwaysHappy

Just wanted to say hello, found your diary yesterday and read a little, then started on page 1 and read.... the whole thing. Wonder why I didn't get any of my jobs done?? Had to have an early start this morning!! I am in awe of your grit and determination and i'm so happy for you that things seem to have turned a bit of a corner ... what a lovely position having a bit of wiggle room in the expenditure. I have subscribed and am looking forward to following your onwards and upwards journey....

charlies_tribe

Wow! What a different SOA!
What I would say at the minute is maybe once your at work and you have everything updated. You could loosen the budgets a little eg. a bit more in grocery to have a treat every so often? dECIDE HOW MUCH YOU WANT TO PAY TO DEBTS EACH MONTH AND THEN MAYBE SET UP ANOTHER ACCOUNT FOR EVERYTHING ELSE TO GOINTO FOR THE TIME BEING AND AS YOU BUY THINGS YOU WILL GET AN IDEA OF HOW MUCH TO ALLOCATE TO EACH (sorry just seen caps still on) budget area. Maybe another savings account for Christmas /birthdays.
BUT! With your first payment I really want to say... Treat yourself and the children! Enjoy the rest of the school holidays without worrying x

ETA I hope that made some sort of sense lol