2018 Benbenandme's Next Battle

benbenandme

£14 profit from the other free bet :beer:

benbenandme

Signed up to another bookies and done a small qualifying bet which will settle tomorrow, then I get a free £10 bet

beanielou

£190 to have left is a lot

benbenandme

Yes you're probably right Beanie, I think the thing that is getting to me at the moment is more the realisation that I have no-one to fall back on. No-one else to think of things, everything falls to me if that makes sense? So for example, the back gate needs fixing. That'll be me that needs to earn the money to pay for it, that'll be me that needs to find someone to come and fix it. The cars MOT is due next month, that'll be me to sort then. Everything is down to me. To think about it, to pay for it, to sort it out. I know it sounds melodramatic and I've managed just fine for years but recently it's started bothering me.

beanielou

benbenandme wrote: »

Yes you're probably right Beanie, I think the thing that is getting to me at the moment is more the realisation that I have no-one to fall back on. No-one else to think of things, everything falls to me if that makes sense? So for example, the back gate needs fixing. That'll be me that needs to earn the money to pay for it, that'll be me that needs to find someone to come and fix it. The cars MOT is due next month, that'll be me to sort then. Everything is down to me. To think about it, to pay for it, to sort it out. I know it sounds melodramatic and I've managed just fine for years but recently it's started bothering me.

I am like this.
Mostly it does not bother me but every now & then it really does get to me:o

benbenandme

So, as it's almost time for a New Year, I thought I'd update my SOA on here ...

Some bits need explaining;
the holiday figure is stupidly high but that's because I want it all saved by August when my finances will change (we don't go until July 2020). I know it seems a ludicrous amount to be spending but for my mental health I know it is the right thing. It will probably be the last family holiday as ds will be 17 by then.

There are a few bits I can cut back on if needed (Sky tv, Spotify), but currently these are my only 'treats', I don't drink, smoke or go out socially.


Statement of Affairs and Personal Balance Sheet

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

Monthly Income Details
Monthly income after tax................ 1323
Partners monthly income after tax....... 0
Benefits................................ 374
Other income............................ 480
Total monthly income.................... 2177

Monthly Expense Details
Mortgage................................ 340
Secured/HP loan repayments.............. 0
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax............................. 126
Electricity............................. 36
Gas..................................... 36
Oil..................................... 0
Water rates............................. 20
Telephone (land line)................... 17.5
Mobile phone............................ 5
TV Licence.............................. 12
Satellite/Cable TV...................... 25
Internet Services....................... 17.5
Groceries etc. ......................... 250
Clothing................................ 0
Petrol/diesel........................... 100
Road tax................................ 12
Car Insurance........................... 20
Car maintenance (including MOT)......... 30
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 0
Buildings insurance..................... 8
Contents insurance...................... 8
Life assurance ......................... 29
Other insurance......................... 0
Presents (birthday, christmas etc)...... 50
Haircuts................................ 0
Entertainment........................... 0
Holiday................................. 380
Emergency fund.......................... 100
Spotify................................. 10
Brothers fund........................... 200
Union fees.............................. 9
New car fund............................ 50
Total monthly expenses.................. 1891


Assets
Cash.................................... 5000
House value (Gross)..................... 300000
Shares and bonds........................ 0
Car(s).................................. 3000
Other assets............................ 0
Total Assets............................ 308000


Secured & HP Debts
Description....................Debt......Monthly...APR
Mortgage...................... 70524....(340)......2.19
Total secured & HP debts...... 70524.....-.........-

Unsecured Debts
Description....................Debt......Monthly...APR
Brothers loan ................14,360.....0
Total unsecured debts.......14,360.........0.........-


Monthly Budget Summary
Total monthly income.................... 2,177
Expenses (including HP & secured debts). 1,891
Available for debt repayments........... 286
Monthly UNsecured debt repayments....... 0
Amount left after debt repayments....... 286

Personal Balance Sheet Summary
Total assets (things you own)........... 308,000
Total HP & Secured debt................. -70,524
Total Unsecured debt.................... -14,360
Net Assets.............................. 223,116

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

benbenandme

Morning all, ds is home today, so I'm going to try and get lots of little jobs finished before then. The new hoover is being delivered today and it can't come a moment too soon as the floors are looking terrible now. At least if everywhere else is already clean then it's just a case of running it round and everywhere will suddenly look 'done'

Football today, although we're not playing until tomorrow. I do have a couple of cheeky bets on today's games as well as a qualifying matched bet.

I need to go and get some bread and milk etc later, but don't want to miss the delivery guy, so that will need to wait until later.

benbenandme

Remade ds' bed, washing machine is on, all Christmas stuff is upstairs waiting to go back in the loft, all rubbish is out (binmen coming today), gradually starting to feel like it's getting back under control again. I'm sure it will be a bombsite again within 5 minutes of ds returning home :rotfl:

benbenandme

It didn't take that long but I did set aside a couple of evenings to get the hang of it. I made notes, I read, read and re-read all the guides I could find on the mb board. I did a couple of dummy runs before I actually went for it, but ... it has without a doubt been the biggest and easiest money-making thing I've ever done. I am not a risk-taker whatsoever in life so I needed to be certain I knew what I was doing before I got going but I love it It is nowhere near as lucrative as it once was but there is still plenty of money to be made in it

I've just done another qualifying bet as I got an email with an offer in it, the qualifying bet has cost me 31p whatever the result of the game, then I get a free £5 bet which should make me about £3 profit. Not a massive one but it took me literally 2-3 minutes to complete. Much more £££ than surveys and the taxman doesn't get any of it either

benbenandme

Ds is home and seems in a pleasant mood :j He's had some lovely presents from his Dads side of the family this year.

So, nearly time to settle on the sofa with the laptop for the football, no sign of the new hoover just yet.