My debt diary/SOA

jammiejen

So I have worked out my sorry state of affairs for March.

Wages: 981.30 (only got 2 days overtime as stupid conputer system messef up)
Bank Balance after wages: £1030.04

Outgoings:

OH Debt £20
Alliance and leicester debt £21.34
Home insurance £8.14
Rent £164.13
Goldfish min £37
Life insurnace £7.40
Council tax £87 (this should be a free month?)
Gas £22
Elec £23
Water £30
Tiscali £32.99
TV licence £11.61
Pensions £10
Mortgage £254.54
Mortage arrears £26.16
Mobile bill £12.90
Food £40
Total outgoings: £808.21 Or £721.21 if council tax not taken

Other payments:
Car Tax £115
other old debt £39.85

£963.06 or £876.06 :eek: :eek: :eek:

Leaving £66.98 or £153.98

Thats not much good is it!?

Just realised not included petrol which will be about £40 ish.

I've joined the £10 a day challenge and I'm up to £41ish on free bingo but haven't included the overtime I did on Sunday so thats another £48.90 to add. Also finally bought some batteries for my camera so can list bits on ebay. I'm thinking about adding my dads books to amazon but need to get into the house first.....

Any other thoughts?
Jen
x

jammiejen

hi everyone

haven't been around for a couple of days i've been busy and stressing about bills ect. I seem to go though ups and downs with all of this and I seem to be in abit of a down at the minute, so much stuff going on in my head and I don't seem to have anyone to talk to.

we are moving on friday to the new house, even though there is no heating/running water/plumbed in sanitry equiptment not to mention the kitchen and it is all stressing me out :mad: :mad: :mad: :mad:

Keeping_Positive

Sorry youve hit a bad patch. Even if you dont get a responce try writing things down on here.. Thats why I have done a diary because otherwise it kept on going around and around!

Good luck with move. Im sure after a few teething problems it will be worth it.

jammiejen

Hi

So its been a while since I posted on here and I have been goodish whilst I've been away. Things are mental at the min. Mum has moved out of her rented house and into my flat whilst we have dads house renovated, so my brother will be living there as well as soon as he comes back from uni, and my flat isnt that big!

The house that OH is building is very nearly liveable so we are moving in there at some point this week so I am staying in OH's parents house with him until we do. Which isnt the best plan all round!

We are having a big push to get the new house finished this weekend, although I'm at work today (its double time) and tomorrow OH wants to go to the races, At the minute we are waiting on parts from the building merchants and of course they aren't open until Tuesday and none of them were open yesterday when we thought they would be! so I suppose a couple of days off is ok.....

On a DFW front I am doing ok, my petrol bill for the month has gone through the roof with all this extra travelling and as I have no kitchen I'll have to buy some lunches this week. Mum is also giving me some money towards the bills and stuff in the flat and I am only going to be buying food in the new house so I'll work out a proper SOA when I know more, there will only be two of us and OH doesnt eat breakfast and refuses to let me make him a pack up so I don't really know how much I'm going to need what do you reckon? I spend about £40-£50 a month on my food so I guess about £100?? Its hard to work out.

I now have a bad cold because I haven't been looking after myself properly which sucks. Also does anyone have any experiences with the Implanon? I had mine removed last week but I keep forgetting to take my pill, does anyone know how long it takes after its been removed before you can get pregnant?

Happy Easter
:easter_ba

jammiejen

Hi All,

ive had some kind of good news and wanted some opinions, My mum had agreed to give me some money towards the mortgage and bills and stuff whilst she is living in my flat, which we worked out to be £640 for a couple of months, and I finally got my OH to agree what bills we are going to pay when we live together and he has said he is going to pay them all! I am going to buy the food but eveything else he will do!

So my food bill and petrol bill are going to go up but I think I am going to have about £500 a month left over, at least for a couple of months and that should clear off most of my debts or at least get them down a long way

Now here is the problem. Mum is only going to be living there for a few months, should I save some of the extra money I have now to help me out when she moves out or should I just send it all to my credit cards in the hope of getting rid of them so i can use them in an emergency instead?

Any thoughts?

Jen