Merry's Bankrupt Life - OR Interview tomorrow - 07.07.08!!

Merry_Gentry

:eek: :eek:

Merry_Gentry

Thursday 15th May 2008

* set up budgeting spreadsheet. Need to include I&E so that we stay within budget but it's started

* call from Argos and beds will be delivered next Tuesday afternoon. Dunno where the heck we're gonna store them, but at least they'll be here :cool:

* CC cheques into current account to cover BR fees for both of us, which takes the strain off as we're still frantically saving to get the rest of the lettings deposit :j

* my boss had a phone call from the Letting Agents so that is going nicely

* H and I going through our I&E for the SOA tomorrow

So still tootling along - every little penny made from ebay sales is going into the savings, and it's quite cheering seeing it building up. H came up with an excellent suggestion for selling some china he got for his first wedding which is never used, so we're cooking on gas :T

So_Sad_Angel

ribbit wrote: »

Oh !!!!

Hey Merry,

Get your OH a strong drink!!!:rotfl: :rotfl:

Merry_Gentry

Pah, I think we'll both need one meeting up with you bunch!!

Just done one last thing - bought six months car tax on the credit card. First one I tried was refused - hmmm, a sign of things starting to heat up methinks?!

So_Sad_Angel

Hey Merry, please try & get to meet in August (you & OH) !!

Guess what...I lost my bag last week so stopped my cards in case of theft!!! (god knows why...most have not credit left!!) None have sent replacements yet so can`t use mine anyway!! not that I would as have decided that I have reached `the wall`& can`t pay. I am writing to all as we speak. Very scary!! suddenly will have `shot` credit rating!!

Ax

Merry_Gentry

Oh honey, sorry to hear about your bag but you know, maybe this has happened for a reason. Well done on starting to write to them all - we can compare horror stories (((HUGS)))

Merry_Gentry

Right, this is what I have put onto the statement of affairs. Any comments/amendments appreciated :j

Income

Salary : 765 (mine)
Salary : 2371 (ribbit)
Child benefit : 175
Child maintenance : 300 (from my ex)

Total : 3,611

- - - - - - - - - - - -- - - -
Expenditure

Rent : 1,200
Food : 500 (this is for family of 6)
Gas/electric : 89
Water : 40
Telephone (incl mobiles) : 80
Travel : 405 (this includes bus fare for two girls to and from school, H's visits to his DD, parking for me outside work)
Clothing : 75
Maintenance : 450 (CSA)
Council tax : 94
Other essential : 162 (this includes education fees, car tax, insurance, repairs, etc)

Total : 3,095

* This doesn't include tobacco, sky, hobbies, repairs, etc.
* Do they include my child benefit as part of my income? I have done so far....
* It's difficult to estimate utilities as we are moving into rented and have no idea how much it's going to cost to heat it over the winter.
*Phones include mobile phones for four of us (2 DDs have PAYG, and H & I are swapping to PAYG shortly)

Any help and/or suggestions appreciated :beer:

dalip

Merry_Gentry wrote: »

Right, this is what I have put onto the statement of affairs. Any comments/amendments appreciated :j

Income

Salary : 765 (mine)
Salary : 2371 (ribbit)
Child benefit : 175
Child maintenance : 300 (from my ex)

Total : 3,611

- - - - - - - - - - - -- - - -
Expenditure

Rent : 1,200
Food : 500 (this is for family of 6)YOU CAN UP THIS A BIT
Gas/electric : 89
Water : 40
Telephone (incl mobiles) : 80
Travel : 405 (this includes bus fare for two girls to and from school, H's visits to his DD, parking for me outside work)
Clothing : 75 THIS CAN BE UPPED TOO
Maintenance : 450 (CSA)
Council tax : 94
Other essential : 162 (this includes education fees, car tax, insurance, repairs, etc)

Total : 3,095

* This doesn't include tobacco, sky, hobbies, repairs, etc.
* Do they include my child benefit as part of my income? I have done so far....
* It's difficult to estimate utilities as we are moving into rented and have no idea how much it's going to cost to heat it over the winter.
*Phones include mobile phones for four of us (2 DDs have PAYG, and H & I are swapping to PAYG shortly)

Any help and/or suggestions appreciated :beer:

dentist,opticions,perscriptions,car tax,repairs,AA membership,pet insurance,holidays(dont know unless you try)dry cleaning,house insurance,tv licence,haircuts(£10 per adult,£? per child)can not think odf anymore at the min but thats enough to be going on with:D

dalip

Bumped this up as there are more people on now than this morning and you may get more feedback. Plus first time i tried that insert red writing thing so wanted to show it off:D

Merry_Gentry

Thanks for that Dalip. H and I will go through them again and make some amendments.

Any more suggestions?