2008, Year I take control

Penny2myName

Total spend for 01 Feb 2008 - 29 Feb 2008: £887.53

TOTAL FOR ANIMALS £16.38
TOTAL FOR BILLS £181.21
TOTAL FOR CLEANING £1.22
TOTAL FOR CLOTHING £3.75
TOTAL FOR COLLEGE DRINKS £2.40
TOTAL FOR COLLEGE FOOD £2.50
TOTAL FOR DEBT £309.17
TOTAL FOR EASTER £5.00
TOTAL FOR ENTERTAINMENT £49.99
TOTAL FOR FOOD £81.32
TOTAL FOR GROCIECES £1.67
TOTAL FOR LONDON £47.28
TOTAL FOR OTHER £12.95
TOTAL FOR SAVINGS £49.00
TOTAL FOR SCHOOL £12.50
TOTAL FOR SCHOOL UNIFORM£39.95
TOTAL FOR SOCIALIZING £15.73
TOTAL FOR TOILETRIES £2.76
TOTAL FOR TRAVEL £17.90
TOTAL FOR TREAT £13.07
TOTAL FOR VALENTINES DAY £0.30
TOTAL £867.53 :eek: arg too much, but lots of things included in it.:o:o

Penny2myName

01/03/08
Utilities
Gas 02701 account in Debit by £Final bill has been issued so waiting on that.
Electric 03312 account in Credit by £17.38

Banks
Halifax Current -£69.97
Halifax easy cash £1.09
Alliance & Liecester £106.66

T.V Licence £10.95 03/03/08
Phone/BB £23.29 03/03/08
Water £0 07/03/08
Sky £20.00 07/03/08
Gas £80.00 10/03/08
Electric £26.50 12/03/08
Insurance £18.58 17/03/08

Total £181.21

Savings
Halifax ISA £15.00 5.5%
Halifax Web Saver £5.00 5.01%
Bradford & Bingley internet saver account £25.08 6.15%
ICICI £5.00 6.41%

1st Feb 2008 £5335.37 = 1st March 5244.10 decreased by £91.27

Littlewoods £2972.26(customers inc.) £2414.26(mine)
Vanquis £494.00
DFS Dining £430.64
DFS Sofa £1837.23
Overdraft £69.97

1st Jan 2008 £5918.86 /1st Feb 5335.37/1st Mar 5244.10
Littlewoods (£3200.02 with customer orders added on)£2548.00, / 2464.50 / 2414.26
La Redoute £71.40,/ Paid off/
Vanquis £459.06, /450.51/ 494.00
DFS Dining £529.68,/450.28 (have finally got PPI removed)/ 430.64
DFS Sofa £2004.24,/ 1920.74/ 1837.23
Dell £13.26, /Paid off
Overdraft £260.88/ 49.34 (tomorrow when Child tax credit goes in) / 67.97

867.53 Outgoing
784.72 Incoming
-82.81 (O/D & CC useage on returning from London)

lauradora

looks like your doing well getting rid of those annoying little debts:beer:

Penny2myName

Join Date: 21-03-2007

Posts Total Posts: 780 (2.13 posts per day)

Today I have been here for ONE WHOLE YEAR (give or take the odd week I go walkies)

I am not going to do a one year one Budget, as starting my new budget from 1st of April when all new bills start taking effect, and its easier that way for me.

affordmylife

penny ive just read your whole thread and forgive me for being stupid but is it right you get income support and child tax credit?

years ago you got income support and that was it? im really confused about benefits. i thought the tax credits were if you were working. did i miss something. sorry.

Penny2myName

I dont get working tax credits only child tax credits. My income support is soley for me, £59.15 a week. My children are not included in the Income Support. When they first brought the tax credits out, anyone who had their first child after they had come out, instantly got child tax credits for their children, and Income Support for themselves. If working Working Tax credit for themselves.
Since I had my children BEFORE child tax credits came out, until I started working the other year I received Income support for myself and children and NO child tax credits. Upon starting work and giving Income Support up, I was eligible to apply for both working and child tax credits. Upon finishing work, I lost the Working Tax Credit element (ovbiously) but, I was eligible to retain the Child Tax Credits element and apply for Income Support soley for myself. Hope this helps.

lauradora

you go girl!

affordmylife

thanks penny - that was really clear.

you see years ago you got income support for yourself and children and i didnt know that now they do it differently.

i often read all these different benefits and i was totally confused cos i was thinking you got income support for yourself and children and then child tax credit on top. but now i know. thanks for explaining that xx.

Penny2myName

Glad I could help. The way they changed everything did make it awkward for everyone to understand, as its a system that's still being phased in, so not everyone is on the same system, and believe it or not, nor on the same income, as you have a slightly higher income for children via Child Tax Credits than what you receive for children via Income Support.

Penny2myName

My Savings Accounts are for Holidays and emergencies. The Halifax Isa will be shut once I get my poultry interest on it, and transferred to my ICICI account.

01/03/08
Utilities
British Gas Outstanding final bill £182.84
Gas Switch Just Completed £0
Electric Switch Just Completed£0

Banks
Halifax Current -£98.17
Halifax easy cash £3.95
Alliance & Liecester £136.12

T.V Licence £11.65 01/04/08
Phone/BB £30.50 28/04/08
Water £36.30 07/04/08
Sky £20.00 08/04/08
Gas £182.84 02/04/08 Final Payment to British Gas
Gas £47.00 05/04/08
Electric £25.00 05/04/08
Insurance £12.38 05/04/08

Total £310.28

Savings
Halifax ISA £15.00 5.5%
Halifax Web Saver £5.00 5.01%
Bradford & Bingley internet saver account £45.27 6.15%
ICICI £10.04 6.41%

563.92
Debts
La Redoute £50.00
Vanquis £50.00
Dining £19.64
Littlewoods £117.28
Sofa £83.51
Total £320.43

Leaves £243.49

Savings
Serena £12.00
Kieran £12.00
Brad +Bing £20


Leaves £199.49

O/D £98.17

£101.32
£25.33 PerWeek

1st March 5244.10 - 1 April 5044.73 decreased by £199.37