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

UncannyScot

A very, very wise man said,
"Wisdom comes from experience. Experience is often a result of lack of wisdom"

Move forward luv, don't go or look back...
(((((HUGS)))))
:A

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 Average
Partners monthly income after tax....... 0
Benefits................................ 784.8 Tax credits/Child benefit
Other income............................ 564.4 DLA
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 Single discount over 12 months
Electricity............................. 30 What we use
Gas..................................... 25 This is a little bit over what we currently use but I'm expecting it to even out over winter
Oil..................................... 0
Water rates............................. 39 Not metered.
They don't think a meter will be any cheaper
Telephone (land line)................... 0
Mobile phone............................ 5 Pay & go
TV Licence.............................. 12.2 Weekly payment card
Satellite/Cable TV...................... 39 Probably shouldn't have done this
Internet Services....................... 0
Groceries etc. ......................... 180 Never spend this but will need to build stores up again
Clothing................................ 25 Growing kids :cool: Need to stop
Petrol/diesel........................... 0
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 60 Bus pass
Childcare/nursery....................... 60 Always something on, along with nursery fees/snacks
Other child related expenses............ 564.4 DLA
Medical (prescriptions, dentist etc).... 0 Exemption card
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 8 Cheapest I could find
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 20 Maybe not enough? Don't know never saved before
Haircuts................................ 0
Entertainment........................... 20 Used mainly on topping activity boxes up etc
Holiday................................. 0 Maybe one day
Emergency fund.......................... 0
Total monthly expenses.................. 1658.6


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 ...................1350......50........0
Rent...........................2785......60........0
Fine 1 ........................825.......100.......0
Stepdad........................1000......50........0
Mum............................275.......50........0
Friend.........................1360......50........0
Aunt...........................1000......50........0
Total unsecured debts..........8595......410.......-


Monthly Budget Summary
Total monthly income.................... 2,165.2
Expenses (including HP & secured debts). 1,658.6
Available for debt repayments........... 506.6
Monthly UNsecured debt repayments....... 410
Amount left after debt repayments....... 96.6

Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -0
Total Unsecured debt.................... -8,595
Net Assets.............................. -8,595

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

New SOA I've checked my bank statement and notes in my diary and this seems realistic. Other than the fact school and uniform replacements have cost a fortune in recent weeks.

Hiddenidenity

UncannyScot wrote: »

A very, very wise man said,
"Wisdom comes from experience. Experience is often a result of lack of wisdom"

Move forward luv, don't go or look back...
(((((HUGS)))))
:A

You're always so right even if I really wanted everyone to say take the easy way out and go back :rotfl:

Cherryfudge

Hiddenidenity wrote: »

You're always so right even if I really wanted everyone to say take the easy way out and go back :rotfl:

Big hug :grouphug:

It only looks like the easy way out. I suspect it's fraught with compounding difficulties. (Ooh, big words, think I need to go and lie down and get over it).

As someone sensibly remembered a few posts ago, things feel worse when you're tired. Maybe also worse when you're on your own, have concerns, it's November etc. What's real is you have the kids to collect any minute now and you are building a better future for them and you.

Hiddenidenity

Thank you

You're right, collected the kids, caught up with texts on my phone and decided to stop with the self pity I made my choices and I have to deal with it. Kick up the rear

Smalls home from school. Uniforms in washer and smalls doing spellings. Curry for dinner for smalls. Will dish up after they've done [STRIKE]messing[/STRIKE] spellings etc.

Might do the gloss painting in the living room once they head off to bed. I have gloss and white for the ceilings I can get on with. Will go and pick up a tub of paint for walls at weekend.

I should finish DS room first but I want living room done before EX's family visit :rotfl:

in_need_of_direction

i've read your entire diary and am so impressed. you've achieved so much already. you just need to focus on that. I do think though that you've undersold yourself as I don't think that you'd included your fuel arrears figure in your original debt. I know that it was cleared but that wouldn't have happened but for your efforts. Hang in there

Toni'sfriend

Hello Hidden
I worry because I don't have anything to worry about and think I've forgotten something!
Seriously, though, it all seems worse when you're awake all night and you start thinking about things that have happened in the past, wondering if you've made the right decision. I think everyone here will agree that you've definitely made the right decisions and some of them must have been very difficult and painful. Walking in the fresh air will lift your mood and reading a book will send you off to sleep eventually. You are doing so well both financially (look at the difference in your SOA) and as a person (so much stronger). You'll have setbacks, we all do, but stay strong and you'll get there. xxx

EssexHebridean

Curry for dinner for smalls sounds lovely - what's for dinner for Hidden, then?

And get you - saving for presents AND with a surplus in your SOA!

Hiddenidenity

I've fallen back into the habit of no real dinner or breakfast or lunch :rotfl: Smalls well fed though

Visit from EXoh means smalls only just got in the bath :mad: Shouldn't even be here! He mopped up leftover curry too so none for the freezer DS wasn't impressed :rotfl:

Will still get them into bed on time and then iron the uniforms. Nothing much else to do.

I've finished my December activity list and finished getting everything together. Each day has it's own wallet with the things needed for that day (Except oats for reindeer food and the marshmallows. Will look in Home bargains tomorrow)

Need to finish the t-shirts for Children in need and bake cakes for the cake sale (always me that gets roped into this!)

Sun_Addict

We all keep,saying it, but it seems to fall on deaf ears - please take care of yourself. You must eat and sleep to remain well for the smalls if nothing else.

Keep looking forward not back, you've been doing so well it would be a shame to go back to square one.

I feel concerned as to why ex OH has been around when he shouldn't be. I realise he needs to see his kids but feel uneasy about it and how it affects you.

Sorry for nagging but like everyone else I worry about you xx