I've got to get out of this place

mickey_mouse

I hope your OH's money is sorted soon and then he can repay you.

keep the good work up - you will be debt free in no time:D

southernbelle

Today I found a bargain ... I was buying a dress with £50 on the label, then when I took it to the till it was reduced to £15!!! Am counting that as money saving as I would have bought it at £50 anyway

Now am playing some b0ngo - deposited £10 for £30 cashback and £10 free b0ngo money.

Need to sort some more ebay stuff out tomorrow - am running out of things to sell though.

juno

ooooh, quick, put the £35 towards your debt! I call it the "once it's gone, it's gone" principle: since you thought it was £50, you spent £50. If I take things back, that's also technically spent, and therefore I can't have it back to spend again but pay it off my debts.

southernbelle

I put £100 in my savings today as well!! Am leaving it there to pay off CC each month.

I will put the £35 into my OD which I cannot touch...good plan!! :j

southernbelle

OK, so I put the £35 that I "saved" yesterday onto my Overdraft which I cannot touch.

The money that is in the savings will be kept there until either the end of the month or until I need it. I shouldn't need to dip into it but with holiday and car repair bills (clutch replacement) I may ahve to transfer some of it back.

If it is still there by the end of the month it will go towards my other OD, which I will then reduce (do they charge for this??) so I cannot touch that either.

:money:

Have listed some books on Green Metropolis this morning. Have got 20 on there but have never made a sale on there :rolleyes:

Also need to sort out some more [STRIKE]rubbish[/STRIKE] treasure to be ebayed. Things just aren't selling at the moment though.

southernbelle

Did a mystery shop this morning for £6 - however my receipt doesn't seem to be uploading, so I hope I get paid for it! Didn't involve spending anything though so that's OK.

Going on my holidays tomorrow!! Yippee! So excited. :beer:

southernbelle

Well, back now from my holidays. Camping in Cornwall...would have thought this would be safe in August but no! Rain rain rain, and lots of wind! LOL
Had a good time though.

Back to the DFWing.

Today am going to go through EVERYTHING and see how much money I have. Also go through all the cashback/survey sites and see what I have there. Should have had some dosh from moneybackmadness come through to my account.
Also need to update my blog. Have an idea for a website too that may make me a few pennies, so might do some work towards that.

Need to get to the gym too...busy busy busy!:rolleyes:

southernbelle

A list of things to do today:

• Join the gym (£27 for 2 weeks, I pay £5 a day otherwise so will save me money as I go everyday).They're calling me back later
• New list of debts / balances.Done, see SOA below
• Budget to spend next months wages before I get them!
• List some more stuff on ebay - have got £15 to make before I can withdraw from Paypal to avoid charges.
• List of all my cashback/survey totals at the moment.
• Have a look for some more mystery shopping assignments.
• Go to aerobics.
• Possibly go to the gym.
• Washing from holiday and hang up tent to dry it out!

Tent is hanging up. One load just finished, just going to put next in.


Have also called back a bloke who rang to buy my PC, cancelled Lovefilm and changed over DDs to new account.
Phew, think that's enough for one day! :eek:

southernbelle

Here's a new SOA:



Statement of Affairs and Personal Balance Sheet

Monthly Income Details
Monthly income after tax................ 1400
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 1400

Monthly Expense Details
Mortgage................................ 0
Secured loan repayments................. 0
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax............................. 0
Electricity............................. 0
Gas..................................... 0
Oil..................................... 0
Water rates............................. 0
Telephone (land line)................... 10
Mobile phone............................ 40
TV Licence.............................. 0
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 30
Clothing................................ 0
Petrol/diesel........................... 90
Road tax................................ 10
Car Insurance........................... 33
Car maintenance (including MOT)......... 20
Car parking............................. 5
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 0
Life assurance ......................... 0
Other insurance......................... 6
Presents (birthday, christmas etc)...... 10
Haircuts................................ 0
Entertainment........................... 70
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 324

Assets
Cash.................................... 476.3
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 600
Other assets............................ 0
Total Assets............................ 1076.3

No Secured Debt

Unsecured Debts
Description....................Debt......Monthly...APR
HSBC Overdraft.................1736......0.........19.9
Natwest Overdraft..............759.65....400.......17.8
Mint CC........................1237.61...27........12.9
Capital One....................1900......0.........57
Total unsecured debts..........5633.26...427.......-

Monthly Budget Summary
Total monthly income.................... 1,400
Expenses (including secured debts)....... 324
Available for debt repayments........... 1,076
Monthly UNsecured debt repayments....... 427
Surplus(deficit if negative)............ 649

Personal Balance Sheet Summary
Total assets (things you own)........... 1,076.3
Total Secured debt...................... -0
Total Unsecured debt.................... -5,633.26
Net Assets.............................. -4,556.96

Created using the SOA calculator at https://www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission.
It's just me, and I'm in the Army so rent/food etc comes out of my wages before I see it.I do have a student loan but I am not counting that yet, will start overpaying that once these debts are sorted.The entertainment figure is an average, but sometimes is more and I can't really cut it out, a lot of it is "compulsory fun" through work. I think I could probably do better with the phone, will be changin so same network as the OH as soon as I can (November) to reduce that bill a little bit.

amyandjon

hello southern bell, looks like your doing well so far, the journey canbe long so keep going for it missy imtrying hard to preserve my will power but sometimes it fades haha but fortunatley i have no access to my cards haha thanx to my mum :P xx