Let's try this again...

Mnd

Someone suggested doing a SOA, do this and if you feel OK post up here for advice.

If you do that with proper budgets then things like the cross country can be budgeted for (entertainment /other child related expenses for example) then that gives you back control of your no spend days

marcsshell

Whoop just found £5 in my pocket which will pay for DD2 cross country tonight and some ham/chicken for wraps for school tomorrow. If I let them have hot dinners my oldest can easily spend £10 in 2-3 days, so I try and make sure they have stuff in for packed lunch.

[Deleted User]

Morning marcsshell,

Welcome back and happy new shiny diary xx

marcsshell

Mnd wrote: »

Someone suggested doing a SOA, do this and if you feel OK post up here for advice.

If you do that with proper budgets then things like the cross country can be budgeted for (entertainment /other child related expenses for example) then that gives you back control of your no spend days

Will try and post an SOA. I know our mobiles are expensive-just over 100 a month for 4 Keep saying that I will go SIM only but never quite do it. Sadly we are all in contract for the next year. DD1 is 2 years.

marcsshell

Well as I knew today wouldn't be a NSD so im pretty pleased with myself.
Put fuel in the car as have visits to do first thing (work on community) so knew I wouldn't have had time to go before hand. I normally fill the tank but didn't have much money.

Spends today:
Diesel 20.09 (DH got side tracked hence the 9p :rotfl:)
3.80 in the coop on bread,sausage rolls and cake bars for DDs packed lunch for tomorrow. They would normally have had ham/chicken wraps but the sausage rolls where cheaper. DD2 is in a mood as she wanted to look in the food to go section to see if they had a pasta pot. Told her that we are cutting back and if she wants stuff like that then her dance,singing lessons and cross country all stop.
DH asked if we were on a healthy eating plan as I said we weren't having chocolate. Reminded him that we are cutting back on our spends. I swear he doesn't listen sometimes.

I now have DD1 lying on the floor also with a mood on. I think something must have happened at dance to upset her, or it could be cos I have taken her phone off her for getting yet another detention!

Tea tonight is left over corned beef hash for me and DH and fries, southern fried chicken/fish fingers for DDs.

Pay day for DH tomorrow :T Why does January drag?

marcsshell

Well DH got paid and bills have started coming out.
Went into town today and put 2 cheques in the bank. 1 was a gift from my dad of 500.00 and the other was refund on road tax after we changed our car. It was only 8.68 but better than nothing. Lady told me the cheques will clear midnight Monday so Tuesday I will be clearing CC1 :T:T
Not a NSD day though as we went out for a meal and spent 74.00 for the 4 of us:eek: It was nice though as its not often our 14 year old comes out with us.
Won't be happening again for quite a while though. Want to concentrate on getting these debts sorted plus I also need to go back to Slimming World. I'm currently about 7st overweight I know it will add more to our monthly outgoings but will stop us bing tempted to buy take away,sweets etc.

Work tomorrow but so far no visits. Hopefully will be able to go food shopping. DD1 needs things for cookery lesson on Monday, she is making cottage pie yum.

marcsshell

Afternoon.

Just bit the bullet and paid CC1 off in full :j even though the cheque I banked yesterday won't clear until midnight tomorrow night. Cheque is off my dad so I know that there is no danger of it bouncing.
After February's payments have come out I will change DDs so we are still paying the 300 a month off 2 CCs.

Need to get ready to go shopping. Not done a list but just need to get cookery stuff for DD1 and packed lunch stuff for both girls. We have freezer food in so will start using that up as well as the million bags of pasta we have in cupboard. Once I am back in SW I will be meal planning using SW friendly recipes.

Need to also find out if the indoor car boot sale is still on and what the details are. Whatever we make from that will go straight off debts.
Was contemplating Eb@y but have been stung a few times with buyers saying they haven't received items or the items where damaged.

Hope everyone is having a lovey weekend x

marcsshell

Back again.

Feeling very MSE at the minute :j:rotfl:
Remembered we had some US$s left from our very first (amazing) ever holiday abroad last August. Dug it out and we had 172$. Decided to take this to MrS when we went shopping and changed it back. Got £116 something back. Used this for shopping 52.69 and fuel 60.00. Have put the rest into the change jar we have. This will pay for DD2 cross country next week.

Off to pay extra onto my catalogue debt now

marcsshell

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................ 1314.62. Basic pay, can be up to 100.00 more
Partners monthly income after tax....... 1500. Often more than this
Benefits................................ 137.6
Other income............................ 175. Expenses from work. Often more but then i use more fuel
Total monthly income.................... 3127.22

Monthly Expense Details
Mortgage................................ 402.7
Secured/HP loan repayments.............. 295.50000000000006
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax............................. 103
Electricity............................. 46.5
Gas..................................... 46.5
Oil..................................... 0
Water rates............................. 43.46
Telephone (land line)................... 0
Mobile phone............................ 120. 4x mobiles
TV Licence.............................. 12.83
Satellite/Cable TV...................... 64.47
Internet Services....................... 0
Groceries etc. ......................... 400
Clothing................................ 0
Petrol/diesel........................... 200
Road tax................................ 2.5
Car Insurance........................... 69.82
Car maintenance (including MOT)......... 50
Car parking............................. 0
Other travel............................ 106. 3x bus passes
Childcare/nursery....................... 0
Other child related expenses............ 250. DDs activities
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 0
Buildings insurance..................... 22.62 inc contents
Contents insurance...................... 0
Life assurance ......................... 0 have just sorted this for DH having problems with me due to having had vertigo last year. Will update as soon as we have figures.
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 0
Entertainment........................... 30
Holiday................................. 0
Emergency fund.......................... 300
Total monthly expenses.................. 2565.9


Assets
Cash.................................... 0
House value (Gross)..................... 75000
Shares and bonds........................ 0
Car(s).................................. 12000
Other assets............................ 0
Total Assets............................ 87000


Secured & HP Debts
Description....................Debt......Monthly...APR
Mortgage...................... 46646.9..(402.7)....1.89
Hire Purchase (HP) debt ...... 12000....(295.5)....0 Not sure APR. Plus its PCP does that make a difference to if its a HP or secured debt?
Total secured & HP debts...... 58646.9...-.........-

Unsecured Debts
Description....................Debt......Monthly...APR
Sainsburys ....................3055.19...70........0
MBNA...........................2017.4....25........0
Very...........................828.98....100.......0
Santander......................6232.17...189.7.....15.4
Total unsecured debts..........12133.74..384.7.....-


Monthly Budget Summary
Total monthly income.................... 3,127.22
Expenses (including HP & secured debts). 2,565.9
Available for debt repayments........... 561.32
Monthly UNsecured debt repayments....... 384.7
Amount left after debt repayments....... 176.62

Personal Balance Sheet Summary
Total assets (things you own)........... 87,000
Total HP & Secured debt................. -58,646.9
Total Unsecured debt.................... -12,133.74
Net Assets.............................. 16,219.36

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

marcsshell

Pay day for me today. Bank balance looks a little low but will sort itself out once cheque clears tonight. Child benefit goes in tomorrow and 205 in expenses on 31st.
Need to pay dance fees for DDs tonight for Jan/Feb plus tickets for dance comp. Won't get much change from 250.00 but it is all budgeted for.

Looking at a balance transfer card for DHs card (CC2) as his 0% is due to expire 15/3. Looking at eligibility calculator he has a 95% chance of being accepted so keeping everything crossed that he can get one, ideally with a limit of 3500.00.

DD2 came home from school with a residential trip letter for July. Looking to cost around 150.00 if she gets a place. We have signed the form for her as she has really done well settling into senior school, has 100% attendance, never late and her parents evening and report where amazing.