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New account, new diary, new life!
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So 2/4 gym sessions so far this week, going strong
Meeting my friend after work tomorrow for some window shopping and a meal. Hopefully it will be a cheap and cheerful evening out. Saturday night I!!!8217;m meeting a different friend for more (window) shopping.
Today was definitely not a NSD. Petrol £25, and withdrew £50 from cash machine. This was to cover the aforementioned medical treatment, which I have decided I!!!8217;m going with. It!!!8217;s £35 every fortnight, so I!!!8217;m going to have to update my SOA to reflect this. I!!!8217;ll probably do it Friday night.2 x overdrafts paid off
2 x credit cards paid off
Goals now:
Save for house deposit!0 -
Nice evening out with my friend. Only spent £10 on a meal, managed to refrain from shopping so I!!!8217;m feeling good !!!55357;!!!56397; roll on the weekend. X2 x overdrafts paid off
2 x credit cards paid off
Goals now:
Save for house deposit!0 -
The sun is shining and I only have an hour left in work Plan for today:
Go home and have some lunch
My friend's picking me up at 13:15 and we're going for a walk (parking for the place we're going is £6 but entry is free). I'll take some change for an ice cream/drink as well, it would be rude not to in this weather!
Gym or swimming afterwards. I'm undecided which one I would rather do.
And that's all I have planned for the weekend so far. To do list:
Find a present for my sister's Birthday
Food shop (tomorrow)
Update my SOA and post on here
Look through my summer clothes/make sure they fit/are in good condition
4 weeks til my holiday :T2 x overdrafts paid off
2 x credit cards paid off
Goals now:
Save for house deposit!0 -
SO im really enjoying this weather :cool:
Did my food shop yesterday afternoon after I saw my friend. Spent £22. Plenty of exercise walking around yesterday so didn’t go to the gym. Woke up at 7 and just wanted to get out walking. CLimbed two different hills this morning, then drove to the city I used to live in when I was at uni. Free parking by my old house. Walked around the city and got my sisters birthday present :T made up. Went home and have been sunbathing all afternoon, just waiting on my Sunday roast now
Meant to be going out for Chinese buffet tomorrow but friend has cancelled on me because she needs to see her boyfriend. Going to use the gym in the morning then probably just more sunbathing. I love 3 day weekends. Hope everyone’s having a great weekend xx2 x overdrafts paid off
2 x credit cards paid off
Goals now:
Save for house deposit!0 -
Statement of Affairs and Personal Balance Sheet
Monthly Income Details
Monthly income after tax................ 1503.64
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 1503.64
Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 60.78
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............................ 12
TV Licence.............................. 0
Satellite/Cable TV...................... 17.98
Internet Services....................... 0
Groceries etc. ......................... 100
Clothing................................ 50
Petrol/diesel........................... 50
Road tax................................ 11.37
Car Insurance........................... 67.63
Car maintenance (including MOT)......... 50
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 70
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 0
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 50
Haircuts................................ 20
Entertainment........................... 100
Holiday................................. 50
Emergency fund.......................... 0
Pet food/bedding........................ 20
Gym membership.......................... 30
Cinema Card............................. 17.99
Total monthly expenses.................. 777.75
Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 4988
Other assets............................ 0
Total Assets............................ 4988
Secured & HP Debts
Description....................Debt......Monthly...APR
Mortgage...................... 0........(0)........0
Hire Purchase (HP) debt ...... 2832.5...(60.78)....11
Total secured & HP debts...... 2832.5....-.........-
Unsecured Debts
Description....................Debt......Monthly...APR
CC1............................455.3.....22.59.....23
CC2............................833.64....24.97.....21
Total unsecured debts..........1288.94...47.56.....-
Monthly Budget Summary
Total monthly income.................... 1,503.64
Expenses (including HP & secured debts). 777.75
Available for debt repayments........... 725.89
Monthly UNsecured debt repayments....... 47.56
Amount left after debt repayments....... 678.33
Personal Balance Sheet Summary
Total assets (things you own)........... 4,988
Total HP & Secured debt................. -2,832.5
Total Unsecured debt.................... -1,288.94
Net Assets.............................. 866.56
Created using the SOA calculator at https://www.stoozing.com.
Reproduced on Moneysavingexpert with permission, using other browser.2 x overdrafts paid off
2 x credit cards paid off
Goals now:
Save for house deposit!0 -
Updated SOA....
Have added in a couple of items which I had included in my entertainment budget but it was confusin me. Updated to reflect the £70 I!!!8217;m going to be spending on medical. £50 being set aside each month for car MOT and service. Of which I have booked service for end of June. Also CC figures are updated which is making me feel good.
Today was a NSD. I went to the gym but it was closed, so I went for a run instead. Probably not the best idea in this heat but wanted to get moving. Spent the rest of my day sunbathing and talking with parents. This week is going to get expensive.... haircut appointment booked for tomorrow, I!!!8217;d forgotten about it but need hair doing before my holiday... cut and t section foils :eek: also taking my goddaughters out on Sunday. They want to go to a type of indoor play which is £11 each.... then a meal afterwards. This is not in my budget at all. Also meal for my sister on Friday which hasn!!!8217;t only just been arranged. However looking at my calendar there!!!8217;s literally nothing planned for the rest of the month so I might be able to make it work. Time will tell 2 x overdrafts paid off
2 x credit cards paid off
Goals now:
Save for house deposit!0 -
Okaaaaaaay so yes, it has been ages since I have updated my little diary but I am very happy to be able to post to say that I am now DEBT FREE!!
Both overdrafts have been paid off, and both credit cards have been paid off. I can’t believe I’m finally at this stage but it feels so so good. I got paid yesterday and I’m just trying to figure out where to keep my money. I have opened a LISA and put some money in there, and I’m going to open a Help To Buy as well.
My aim now is to save, save, save towards buying my first home. I will be doing this on my own, but paying off everything I owed has put me in a great mindset. I still want to have fun and holidays but house is my priority now ����2 x overdrafts paid off
2 x credit cards paid off
Goals now:
Save for house deposit!0
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