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Raphael's DFW Diary ~ The beginning of the End

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Comments

  • x_raphael_xx
    x_raphael_xx Posts: 4,411 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Morning all,
    Bad new ~ I managed to put on 1.6 lbs this week :rolleyes: must try harder!
    However the good news is C is moving in with me mid October! She will be halving all the bills we share (such as rent, tv etc) which will save me about £250 each month! She lives in a shared house right now so won't save as much, about £60, but still it's beneficial. Plus there will be no discussions every night about where we are having dinner etc!
    My new SOA starting from November then...

    Monthly Incoming
    Wages ~ £1009.96
    From C ~ £250.00

    Total In ~ £1259.96

    Monthly Outgoings
    Rent ~ £355
    Council tax ~ Not too sure as I get single person discount right now, obviously this will change, so roughly ~ £75
    Water ~ £29.40
    TV Licence ~ £11.61
    Gas/Electric ~ £24.00
    Mobile ~ £20.00
    Telewest (TV & Internet) ~ £23.50
    Pet Insurance ~ £7.18
    Gym ~ £43.00
    Shopping ~ £50 (Low because me & C split this too, and she's a good bargain spotter!)

    Total Out ~ £588.69

    Balance
    Total In ~ £1259.96
    Minus Total Out ~ £588.69
    = + £671.27

    I can pay £600 off the credit card each month, and still be left with £50 spare. So credit card should be clear in 3 months! :T
    Debt Free as of 17/01/2009 Turtle Power!!

    EF Challenger #3 £1543.72 / £5000
    MFW 2024 #100 £1300.00 / £10,000

    MFiT #40 Jan 2025 Target - £99,999.00
    Mortgage at 30/09/22 £113,694.11 | Mortgage at 24/01/23 £110,707.87
    Mortgage at 21/04/23 £107,701.01 | Mortgage at 20/07/23 £106,979.65
    Mortgage at 04/10/23 £106,253.77 | Mortgage at 10/01/24 £105,324.57
    Mortgage at 01/04/24 £104,424.73 | Mortgage at 01/10/24 £103,594.98
  • The_Dragon
    The_Dragon Posts: 9,749 Forumite
    x_raphael_xx wrote: »
    Morning all,
    Bad new ~ I managed to put on 1.6 lbs this week :rolleyes: must try harder!
    However the good news is C is moving in with me mid October! She will be halving all the bills we share (such as rent, tv etc) which will save me about £250 each month! She lives in a shared house right now so won't save as much, about £60, but still it's beneficial. Plus there will be no discussions every night about where we are having dinner etc!
    My new SOA starting from November then...

    Monthly Incoming
    Wages ~ £1009.96
    From C ~ £250.00

    Total In ~ £1259.96

    Monthly Outgoings
    Rent ~ £355
    Council tax ~ Not too sure as I get single person discount right now, obviously this will change, so roughly ~ £75
    Water ~ £29.40
    TV Licence ~ £11.61
    Gas/Electric ~ £24.00
    Mobile ~ £20.00
    Telewest (TV & Internet) ~ £23.50
    Pet Insurance ~ £7.18
    Gym ~ £43.00
    Shopping ~ £50 (Low because me & C split this too, and she's a good bargain spotter!)

    Total Out ~ £588.69

    Balance
    Total In ~ £1259.96
    Minus Total Out ~ £588.69
    = + £671.27

    I can pay £600 off the credit card each month, and still be left with £50 spare. So credit card should be clear in 3 months! :T




    This sounds great! does this also mean that C has moved in with you already?

    Good luck on the weight loss - I need to lose about 160 pounds not 1.6 :D
    Do not meddle in the affairs of Dragons, for thou art crunchy and good with catsup :D
    NSD 15/20, OS WL 21-6 (4) :(C.R.A.P R.O.L.L.Z #44 Twisted Firestarter, VSP #57 - £39.43
    :p Every Penny's a Prisoner :p
  • beanielou
    beanielou Posts: 96,149 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Fab news
    Pleased for you on all counts
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 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.     ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • x_raphael_xx
    x_raphael_xx Posts: 4,411 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    The_Dragon wrote: »
    This sounds great! does this also mean that C has moved in with you already?

    Her contract on her flat runs out on 16th October (she's given notice to her LL) but her LL said she can go earlier if he finds another tenant before.
    A guy came round yesterday to view it so fingers crossed she will be moved in within the week.
    Debt Free as of 17/01/2009 Turtle Power!!

    EF Challenger #3 £1543.72 / £5000
    MFW 2024 #100 £1300.00 / £10,000

    MFiT #40 Jan 2025 Target - £99,999.00
    Mortgage at 30/09/22 £113,694.11 | Mortgage at 24/01/23 £110,707.87
    Mortgage at 21/04/23 £107,701.01 | Mortgage at 20/07/23 £106,979.65
    Mortgage at 04/10/23 £106,253.77 | Mortgage at 10/01/24 £105,324.57
    Mortgage at 01/04/24 £104,424.73 | Mortgage at 01/10/24 £103,594.98
  • The_Dragon
    The_Dragon Posts: 9,749 Forumite
    x_raphael_xx wrote: »
    Her contract on her flat runs out on 16th October (she's given notice to her LL) but her LL said she can go earlier if he finds another tenant before.
    A guy came round yesterday to view it so fingers crossed she will be moved in within the week.


    Ooooh great news Raph (& C) :T:T:T
    Do not meddle in the affairs of Dragons, for thou art crunchy and good with catsup :D
    NSD 15/20, OS WL 21-6 (4) :(C.R.A.P R.O.L.L.Z #44 Twisted Firestarter, VSP #57 - £39.43
    :p Every Penny's a Prisoner :p
  • unknown3rd
    unknown3rd Posts: 47 Forumite
    x_raphael_xx wrote: »
    Her contract on her flat runs out on 16th October (she's given notice to her LL) but her LL said she can go earlier if he finds another tenant before.
    A guy came round yesterday to view it so fingers crossed she will be moved in within the week.

    haha It keeps changing the date when it will be. Getting sooner and sooner. Cannot keep up with it. But I have to say at the same time, so happy for you. :T
  • hayley_jayne
    hayley_jayne Posts: 223 Forumite
    Its all happening, fingers crossed the guy wants to take it!

    :)

    x
    A penny saved is a penny earned' - Benjamin Franklin
  • The_Dragon
    The_Dragon Posts: 9,749 Forumite
    Any news Raph - [STRIKE]nosy[/STRIKE] interested parties want to know! :D
    Do not meddle in the affairs of Dragons, for thou art crunchy and good with catsup :D
    NSD 15/20, OS WL 21-6 (4) :(C.R.A.P R.O.L.L.Z #44 Twisted Firestarter, VSP #57 - £39.43
    :p Every Penny's a Prisoner :p
  • x_raphael_xx
    x_raphael_xx Posts: 4,411 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    hayley_jayne wrote: »
    Its all happening, fingers crossed the guy wants to take it!

    :)

    x

    No news yet, looks like he's not interested :( oh well won't be long.

    I'm trying to de-clutter and make some cash at the moment. Did a bootsale on Sunday and made a whopping £1.76 profit :rotfl:
    Sold a couple of things on ebay and made £24.54, all adds up.

    And I lost 2.4 lbs this week :)
    Debt Free as of 17/01/2009 Turtle Power!!

    EF Challenger #3 £1543.72 / £5000
    MFW 2024 #100 £1300.00 / £10,000

    MFiT #40 Jan 2025 Target - £99,999.00
    Mortgage at 30/09/22 £113,694.11 | Mortgage at 24/01/23 £110,707.87
    Mortgage at 21/04/23 £107,701.01 | Mortgage at 20/07/23 £106,979.65
    Mortgage at 04/10/23 £106,253.77 | Mortgage at 10/01/24 £105,324.57
    Mortgage at 01/04/24 £104,424.73 | Mortgage at 01/10/24 £103,594.98
  • beanielou
    beanielou Posts: 96,149 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    You are firing on all cylinders!
    Not be long til middle of October though.
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 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.     ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
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