moneymabels debt free by 2009 challenge

jenjade

morning all off to work hoping to sort out my hours etc. just done daily clicks and checked the bank phone bill has gone out i am really pleased with myself i get free eveing and weekend calls and broadband with talk talk my bill is usually the bills are £35+ i cancelled paper billijg saving £1.25 and have been thinking before i phone and the bill was £22 i am so please that is very good for phone and broadband lets hope i can keep it that way!!!

i might put on a soa and see what people think i can cut down on later

moneymabel

hi jen, I'm off to work but I'll certainly have a look at your soa when I get home-although im sure there won't be much that u haven't sorted already , you are doing brilliantly, good luck with sorting your hours out.

moneymabel

still no sign of quidco :-(

Have decided to buy OH a six month mag subscription for Xmas so that will be £18,I've already bought him other presents, wouldn't want to spoil him LOL . Also his birthday is July so he can have the other 6 months then if he wants! will put that in ISA next month then Xmas is done except for a couple of boxes of chocs. Now I know that all spare cash can be debt payments.

thepinklady

Morning all,

The weather is horrible today, raining hard, windy, where has summer gone???

Just about to leave for work, i really don't want to go outside. I'd rather be inside all day chilling watching dvds on the sofa!

Well done MM - your debt is below 2K!! Brilliant!!! You go girl!

x

thepinklady

Still no sign of Quidco in my bank too, hopefully sometime this week as i need a few bits for Italy.

jenjade

hi guys i am completly gutted got a letter from the tax office it says i am owed no tax as i have already had the tax rebate! i said that i had already had it to the chap on the phone and he insisted i had had some but still had loads to come!!! mega gutted that £1,000 would have been fab for the isa!

oh and the dog pooed on the floor so had to clean that up now the house smells!!! arrrrggghhh :mad:

moneymabel

Hi Hayley-hoping quidco turns up soon!!

Jen-oh what a total %^&^%$, i cant believe that tax bloke got your hopes up like that for nothing. chin up hun-at least u are doing so well with your debt payments. How did you get on at work with sorting out your hours?

jenjade

here is my SOA i bet i missed a few thing off! but any suggestions for areas to work on will be great guys!

tt]
Statement of Affairs and Personal Balance Sheet



Monthly Income Details

Monthly income after tax................ 550

Partners monthly income after tax....... 0

Benefits................................ 642.12

Other income............................ 104

Total monthly income.................... 1296.12



Monthly Expense Details

Mortgage................................ 0

Secured loan repayments................. 0

Rent.................................... 300

Management charge (leasehold property).. 0

Council tax............................. 85

Electricity............................. 20

Gas..................................... 10

Oil..................................... 0

Water rates............................. 34

Telephone (land line)................... 25

Mobile phone............................ 10

TV Licence.............................. 12

Satellite/Cable TV...................... 0

Internet Services....................... 0

Groceries etc. ......................... 250- i know this is not great and we are working on it!

Clothing................................ 20

Petrol/diesel........................... 120

Road tax................................ 15

Car Insurance........................... 22

Car maintenance (including MOT)......... 10

Car parking............................. 0

Other travel............................ 0

Childcare/nursery....................... 0

Other child related expenses............ 0

Medical (prescriptions, dentist etc).... 0

Pet insurance/vet bills................. 12

Buildings insurance..................... 0

Contents insurance...................... 9

Life assurance ......................... 0

Other insurance......................... 0

Presents (birthday, christmas etc)...... 35

Haircuts................................ 15

Entertainment........................... 20

Holiday................................. 60

Emergency fund.......................... 0

Total monthly expenses.................. 1084

[Unsecured Debts[/b]

Description....................Debt......Monthly...APR

dwp............................600.......20........0

Total unsecured debts..........600.......20........-



Monthly Budget Summary
Total monthly income.................... 1,296.12
Expenses (including secured debts)....... 1,084
Available for debt repayments........... 212.12
Monthly UNsecured debt repayments....... 20
Surplus(deficit if negative)............ 192.12

Nichelette

I'm sorry jen, that sucks. I've just found out I might be homeless come April (again, last week I was told it had probably been sorted out). Seems like it isn't a great day . I'm not an expert at all, but your SOA looks pretty good Jen, bar the food shopping but you already know that!

I got some absolutely gorgeous beads on Saturday so I've been playing with them to stop my mind from wandering too much, they are testers to see if they will sell well. I went a bit mad today and spent £7 on a busk to photograph my necklaces on, I think that should really help my etsy sales. I'm going to have a go at making a light box tomorrow to take better photos if I can find a decent sized box to start with. I really think better photos would boost my sales on etsy.

jenjade

i think it will necklaces etc look so much dearer when they are displayed well. sorry to here about youe accomidation probs! take care hun chin up to us all today jen