“Rock bottom became the solid foundation on which I rebuilt my life.”

[Deleted User]

Hope DD feels better soon xx

jwil

Hope DD feels better soon.

Toni'sfriend

So another lazy day I think!

Nothing wrong with a lazy day! Hope to wee one is better soon but it's wise not to risk spreading it if it is a bug.

WannabeFree

Don't know if I confessed my sins on here but...

I bought the girls a TV from a well know pawn store online. Total bargain I think £40 delivered for a 24" smart TV with built in DVD player too. It's just arrived and in amazing condition and works perfectly. So DD is happy in bed now with a TV to watch. This replaced the cheap pink TV from eBay which has lasted well for the price but has had no sound for months.

beanielou

A good buy for your household

WannabeFree

I think I'll be needing to have sleep overs in the girls room :rotfl:

[Deleted User]

That's a great buy hun x

beanielou

WannabeFree wrote: »

I think I'll be needing to have sleep overs in the girls room :rotfl:

:rotfl::rotfl:

WannabeFree

Think I can declare today as a NSD finally

Spent the day cleaning and playing with the dolls house with youngest. Have started to make a list for the dreaded C word :eek: Soon be here! Then it will be their birthdays. I think I might start a separate savings now for their birthday parties. Even if it's only the odd pound here and there. All 3 birthdays over the 2 weeks is expensive so close to Christmas.

Always good to have a plan

x

WannabeFree

New SOA time. Thoughts and help welcome as always

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.................... 0

Monthly Income Details
Monthly income after tax................ 1126
Partners monthly income after tax....... 0
Benefits................................ 455.8
Other income............................ 565 DLA for youngest
Total monthly income.................... 2146.8

Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 550
Management charge (leasehold property).. 0
Council tax............................. 95 This will go down in April when it can be spread over 12 months
Electricity............................. 30 Prepayment
Gas..................................... 20 Prepayment
Oil..................................... 0
Water rates............................. 39 No meter, they said it would be more expensive?
Telephone (land line)................... 0
Mobile phone............................ 10 Pay as you go
TV Licence.............................. 12.2 Weekly payment card
Satellite/Cable TV...................... 39 I know I know
Internet Services....................... 0
Groceries etc. ......................... 220 This feels huge.
Clothing................................ 30 Realistic for us all I think
Petrol/diesel........................... 0
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 60 Bus pass
Childcare/nursery....................... 0
Other child related expenses............ 60 School trips/breakfast club etc
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 17 2 dogs one old with history of the big C
Buildings insurance..................... 0
Contents insurance...................... 8 Still can't find cheaper. I do live in a ghetto
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 50 Too high probably
Haircuts................................ 10 Just DS
Entertainment........................... 60 Maybe this could be less
Holiday................................. 40 And this
Emergency fund.......................... 50 I actually save this now
DLA..................................... 565
Total monthly expenses.................. 1965.2


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
Rent...........................2200......55........0
Council Tax....................825.......100.......0
Total unsecured debts..........3025......155.......-


Monthly Budget Summary
Total monthly income.................... 2,146.8
Expenses (including HP & secured debts). 1,965.2
Available for debt repayments........... 181.6
Monthly UNsecured debt repayments....... 155
Amount left after debt repayments....... 26.6

Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -0
Total Unsecured debt.................... -3,025
Net Assets.............................. -3,025

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