Scrimping our way through
Steerpike88
Forumite 147 Posts
Well I never thought I'd be here again, but things happen. We had to move and buy furniture for the new place, and we have a second baby due in a couple of weeks and just buying all the little bits fpr all that and Xmas adds up. I'm not working atm, but I feel so responsible for getting us here. Hopefully this dairy helps me keep on track! Already looking at all the challenges and I feel hopeful. 
Debts: ASDA Loan - £6,848.01
Xmas Fund: £15/700 2%; Holiday Fund: £256.05/2000 12.8%; Emergency Fund: £25/700 3.5%;
VSP: £127.44/300 42.4%
Xmas Fund: £15/700 2%; Holiday Fund: £256.05/2000 12.8%; Emergency Fund: £25/700 3.5%;
VSP: £127.44/300 42.4%
0
This discussion has been closed.
Latest MSE News and Guides
Replies
Household Information
Number of adults in household........... 2
Number of children in household......... 2
Number of cars owned....................
Monthly Income Details
Monthly income after tax................ 3477
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 3477
Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 1250
Management charge (leasehold property).. 0
Council tax............................. 100
Electricity............................. 70
Gas..................................... 50
Oil..................................... 0
Water rates............................. 30
Telephone (land line)................... 0
Mobile phone............................ 15
TV Licence.............................. 30.5
Satellite/Cable TV...................... 0
Internet Services....................... 14
Groceries etc. ......................... 250
Clothing................................ 50
Petrol/diesel........................... 0
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 200
Childcare/nursery....................... 0
Other child related expenses............ 75
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 0
Life assurance ......................... 22
Other insurance......................... 0
Presents (birthday, christmas etc)...... 30
Haircuts................................ 30
Entertainment........................... 120
Holiday................................. 200
Emergency fund.......................... 75
Total monthly expenses.................. 2611.5
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
ASDA...........................6848.01...217.3.....2.8
Total unsecured debts..........6848.01...217.3.....-
Monthly Budget Summary
Total monthly income.................... 3,477
Expenses (including HP & secured debts). 2,611.5
Available for debt repayments........... 865.5
Monthly UNsecured debt repayments....... 217.3
Amount left after debt repayments....... 648.2
Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -0
Total Unsecured debt.................... -6,848.01
Net Assets.............................. -6,848.01
Created using the SOA calculator at www.stoozing.com.
Reproduced on Moneysavingexpert with permission, using Firefox browser.
So much healthier than I thought, but we put the most we can away in our Help to Buy ISA and it's other stuff I end up buying which becomes a problem. Also my husband only just got this promotion, so things were a lot tighter until this month. I'm feeling optimistic.
Xmas Fund: £15/700 2%; Holiday Fund: £256.05/2000 12.8%; Emergency Fund: £25/700 3.5%;
VSP: £127.44/300 42.4%
Book our holidays for the summer, and put down deposits for it.( I should have just enough for it.)
Order food delivery.
Put away washing
Clean kitchen.
So tired with this baby kicking away at me, but I'm feeling pretty good for 37 1/2 weeks!
Xmas Fund: £15/700 2%; Holiday Fund: £256.05/2000 12.8%; Emergency Fund: £25/700 3.5%;
VSP: £127.44/300 42.4%
Now to finish the housework, after draining my holiday funds! :rotfl:
Xmas Fund: £15/700 2%; Holiday Fund: £256.05/2000 12.8%; Emergency Fund: £25/700 3.5%;
VSP: £127.44/300 42.4%
Thanks! It's such a good way to start the year. This new promotion with much needed extra income and a new baby in 10 days time. It's why I wanted to book the holidays already. They've come up a bit more expensive than I would have liked, but we got nice places and we really wanted to start taking our son out for holidays with the extra money, I'm not even that fussed for going abroad. Especially with a baby, a train or a car is much easier on us.
Xmas Fund: £15/700 2%; Holiday Fund: £256.05/2000 12.8%; Emergency Fund: £25/700 3.5%;
VSP: £127.44/300 42.4%
At least you only have one debt :j
**Credit card debt free 30/06/10~**
MFW. Finally mortgage free February 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb.
It starts with you, it starts from now. *** It is ok to be me.***
***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
Xmas Fund: £15/700 2%; Holiday Fund: £256.05/2000 12.8%; Emergency Fund: £25/700 3.5%;
VSP: £127.44/300 42.4%
1.89 for an app
10 for DH flu jab
16 for an airer
1 for paypal code (I think this gets refunded though)
41 for take aways as we had a friend over who brought us lots of treats and helped me entertain my toddler, so we got her a take away.
Although I did get £602 for my Woolacombe bay deposit as the place was booked. I might just get a week in a caravan park in Wales, some place by the beach as that'll be cheaper and maybe 3 nights in Devon a bit later on. So I need to figure out how much to put back in the holiday fund.
My parents have taken DS1 out as DH has an awful virus and I'm getting very tired, hormonal and iritable with the poor guy. So I'm happy they agreed to take him out, he really needs a good run around and to be fussed over.
Okay, well lots of washing to do today but DH brought back another airer yesterday so I'm happy.
We have the second box of the dresser coming from IKEA tomorrow, so I'm looking forward to that being all set up this weekend. We ordered it last week and they forgot one of the box so I was pretty annoyed as I have all these baby clothes in boxes lying around with no where to put them.
The kitchen is a bit of a mess as well, but DH is sleeping and we're in a small flat so I'll probably leave it to later. Maybe I'll do a bit more crochet or get some much needed sleep.
Xmas Fund: £15/700 2%; Holiday Fund: £256.05/2000 12.8%; Emergency Fund: £25/700 3.5%;
VSP: £127.44/300 42.4%
Looking forward to having the dresser up!
Xmas Fund: £15/700 2%; Holiday Fund: £256.05/2000 12.8%; Emergency Fund: £25/700 3.5%;
VSP: £127.44/300 42.4%
I'm so tired this morning as I couldn't sleep last night, DH had to take DS in the morning and I got a nice lie in until 8am and coffee in bed. I felt bad as DH is not well at all with this virus, but I have been taking the toddler every morning for ages and since I had morning sickness we were taking turns when I felt bad. And I've been feeling knackered theb past 2 weeks, I didn't suffer with exhaustion quite so bad last time, but I didn't have a toddler last time. Oh well, a few dishes to do and rotate the clothes and I'll get dressed and take him to play group for an hour or so.
Xmas Fund: £15/700 2%; Holiday Fund: £256.05/2000 12.8%; Emergency Fund: £25/700 3.5%;
VSP: £127.44/300 42.4%