Dear Diary

MeenaM

Just done a calculation and to last me until payday I have £188.52 from that I will need to get 2 food shops which i hope i can do at £80 each

ladymay

Just popping on to wish you luck on your journey! I have nothing to add to the very smart replies you've received so far other than to write down every penny of spending and earning. I have a spreadsheet and I love seeing the numbers changed day by day, even if I'm just a quid better off

MeenaM

Thank you so much Ladymay :T

MeenaM

I've added in DH debt of £4120 see in signature and he is paying £122 on that with a min payment of £41.80 so I am including his debt and using the extra( ie will pay the £41.80 and use the remainder of the £122 to throw at my existing ones then when i have cleared mine we will tackle his two cards which atm he is payng the min on and are 0% until july 2020. I hope that makes sense

MeenaM

Managed not to buy anything this week so far as i took my own lunch for work , i did today spend £2.10 on a coffee at Greggs but resisted buying anything else usually i would go for a sausage roll ! I took £10 cash out at the beginning of the week and had to spend £2.80 of it on parking and then this £2.10 today the rest i will put in my sealed pot

MeenaM

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.................... 1

Monthly Income Details
Monthly income after tax................ 1300
Partners monthly income after tax....... 0
Benefits................................ 222
Other income............................ 137
Total monthly income.................... 1659

Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax............................. 0
Electricity............................. 0
Gas..................................... 0
Oil..................................... 0
Water rates............................. 0
Telephone (land line)................... 0
Mobile phone............................ 71
TV Licence.............................. 14
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 150
Clothing................................ 0
Petrol/diesel........................... 50
Road tax................................ 15
Car Insurance........................... 19
Car maintenance (including MOT)......... 20
Car parking............................. 0
Other travel............................ 86
Childcare/nursery....................... 100
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 8.6
Pet insurance/vet bills................. 0
Buildings insurance..................... 19
Contents insurance...................... 0
Life assurance ......................... 0
Other insurance......................... 8.78
Presents (birthday, christmas etc)...... 20
Haircuts................................ 15
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 0
kids swimming........................... 14.5
kids dancin............................. 16.67
kids saving............................. 50
national trust.......................... 9.55
joint account........................... 400
Total monthly expenses.................. 1087.1


Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 1500
Other assets............................ 0
Total Assets............................ 1500

No Secured nor Hire Purchase Debts

Unsecured Debts
Description....................Debt......Monthly...APR
next...........................117.......6.........29.9
aa.............................860.......25........19
barclays.......................4812......110.......19
sainsburys.....................425.......10........18
virgin.........................4130......41.8......18
Total unsecured debts..........10344.....192.8.....-


Monthly Budget Summary
Total monthly income.................... 1,659
Expenses (including HP & secured debts). 1,087.1
Available for debt repayments........... 571.9
Monthly UNsecured debt repayments....... 192.8
Amount left after debt repayments....... 379.1

Personal Balance Sheet Summary
Total assets (things you own)........... 1,500
Total HP & Secured debt................. -0
Total Unsecured debt.................... -10,344
Net Assets.............................. -8,844

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

MeenaM

God damn you Peter Kay! that's £100 on the credit card ..............but i have a plan to pay it off

MeenaM

3 days until payday and it can't come soon enough! cant wait to make some payments on the cards

Kodagirl

Hi, MeenaM, wishing you lots of luck for your journey. I looked at Peter Kay tickets, you got them for a great price, if for two, I take it, I'm waiting for the DVD, I've got too much to spend out for at the minute, but it's good to have something to look forward too, and great you have a plan to pay for them. ��

MeenaM

Hi Kodagirl and thank you for your good luck wishes .

Yes I got two tickets for Peter Kay for that price as soon as he announced those extra dates on twitter i got them from the gigsandtours website so very pleased , quite a long wait but i am sure it will be worth it !

Pay day today and I have made some payments off my debts and adjusted my signature , will decide on what to allocate to my AA card once i have worked out the budget but hope to make at least £200 off it ,will update when i have decided , feels good to get started on the debt reduction plan and to have cleared the Next debt yay!

I have had so many emails about Black Friday deals but i have deleted and unsubscribed to them so i wont be tempted this year!