Lucifa's (Ac)counting the pennies DFW diary
Lucifa73
Posts: 7,726 Forumite
Hi there. Me again:o:D
So why the new diary? Well after 14months of being unemployed (8 months of which had been planned as maternity leave...) I have, today, been offered a job. Pretty good timing as JSA was about to run out mid May and the redundancy pot is pretty much empty.... Talk about cutting it fine!!!:eek::rotfl:
Anyways, I start work in 12 days time (those who don't already know will soon learn I don't hang about once a decision is taken:p), which means there is not much time to get done things that need to be got done...
I need to compile a to do list, sort out a budget and get back on the fast track to being debt free.
When I first had a true LBM in early 2008 I owed nearly £8,000 and by Jan 2009 had reduced the debt to £4,482 and was well on track for being all but debt free by now but Fate dealt a blow in the form of redundancy. Between making up small monthly shortfalls and some optimistic/comfort spending my debt has gradually risen again. I haven't got a precise total but I know I owe roughly £7,000. Not quite back to square one, but not great either:o:(.
The debt is made up of four balances :
Santander loan : £1,400
Egg Mastercard : £2,200:o
Tesco Mastercard : £2,000
HBoS o/draft : £1,400
The loan is fixed term and will be paid off in December this year. The most expensive is the overdraft which will be tackled first and foremost. I can't believe a year ago it was all but clear:(
Personal budget looks something like this:
Income 1,900
Joint account (1,000)
A&L loan (156)
Mobile phone (20)
Tesco card (60)
Egg card (40)
Contacts (20)
Cat insurance (14)
Overdraft (200)
Commute (90)
Spends (100)
BALANCE 327
The surplus will be chucked at debt for the most part and I will put away some for Xmas/holiday and goodies.
So onwards and upwards then I guess:D
So why the new diary? Well after 14months of being unemployed (8 months of which had been planned as maternity leave...) I have, today, been offered a job. Pretty good timing as JSA was about to run out mid May and the redundancy pot is pretty much empty.... Talk about cutting it fine!!!:eek::rotfl:
Anyways, I start work in 12 days time (those who don't already know will soon learn I don't hang about once a decision is taken:p), which means there is not much time to get done things that need to be got done...
I need to compile a to do list, sort out a budget and get back on the fast track to being debt free.
When I first had a true LBM in early 2008 I owed nearly £8,000 and by Jan 2009 had reduced the debt to £4,482 and was well on track for being all but debt free by now but Fate dealt a blow in the form of redundancy. Between making up small monthly shortfalls and some optimistic/comfort spending my debt has gradually risen again. I haven't got a precise total but I know I owe roughly £7,000. Not quite back to square one, but not great either:o:(.
The debt is made up of four balances :
Santander loan : £1,400
Egg Mastercard : £2,200:o
Tesco Mastercard : £2,000
HBoS o/draft : £1,400
The loan is fixed term and will be paid off in December this year. The most expensive is the overdraft which will be tackled first and foremost. I can't believe a year ago it was all but clear:(
Personal budget looks something like this:
Income 1,900
Joint account (1,000)
A&L loan (156)
Mobile phone (20)
Tesco card (60)
Egg card (40)
Contacts (20)
Cat insurance (14)
Overdraft (200)
Commute (90)
Spends (100)
BALANCE 327
The surplus will be chucked at debt for the most part and I will put away some for Xmas/holiday and goodies.
So onwards and upwards then I guess:D
26.2.19/14.1.19: T MC 3629.26/3629.26 : VM 0% 1050/13876.59 : W 0% 100/1485 = 4409.26/18990.85 =25.17%
28.1.19/28.1.19 Hubs 0% £400/£2,977 =13.44%
SPC 2019 #073
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Comments
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happy shiney new diary, Luc!!!
Cats don't have owners - they have staff!!
DFW Long Hauler Supporter No 1500 -
Yay Luc....happy new diary!! - have subscribed.
Congrats on the job. I hope this is the turn around so have been waiting for.YOUR = belonging to you (your coat); YOU'RE = you are (I hope you're ok)
really....it's not hard to understand :T0 -
I have subscribed too Luc!
Good to see that you have worked out your finances and know where you need to start.
Good luck xOD [STRIKE] £2600 [/STRIKE] £0 :j Loan [STRIKE]£9500.00[/STRIKE] £0 :j Car [STRIKE]£3150[/STRIKE] £0 :j Moving Costs [STRIKE]£1300[/STRIKE] £0 :j Savings £1150 :j
Everytime I hear the 'dirty' word Exercise, I wash my mouth out with chocolate!0 -
Congratulations on the new diary :T
(I can't see child care costs in your budget??)"Start every day off with a smile and get it over with" - W. C. Field.0 -
Congratulations on the new diary :T
(I can't see child care costs in your budget??)
Welcome everyone. Nice to see you all:beer:
Pooky, the mini budget is just my personal costs. The £1000 to joint account is matched by Hubbles and all joint bills (mortgage, CTax, food, nursery and joint loans) come out of that.26.2.19/14.1.19: T MC 3629.26/3629.26 : VM 0% 1050/13876.59 : W 0% 100/1485 = 4409.26/18990.85 =25.17%28.1.19/28.1.19 Hubs 0% £400/£2,977 =13.44%SPC 2019 #073
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Happy new diary and BIG CONGRATS on the job - we knew you could do it!
x Debt@16.12.09 £10,362.38, now debt free as of 29.02.2012."I cannot make my days longer so I strive to make them better."0 -
Lucifa :kisses3:
I have just come back to MSE after a loooooong break which I won't bore you with now but I just wanted to say I am so pleased that the first thing I see is your new diary and such brilliant news :T I have not been online for a long time but I do know you more than anyone deserve a break and after the redundancy etc I am honestly thrilled for you. Hope you and your beautiful family are well xxx0 -
Daphne :j:j:j
So good to see you back. Hope the break wasn't a bad time for you but if it was I really hope you are on the up as well. How is Elliot? And OH and you?26.2.19/14.1.19: T MC 3629.26/3629.26 : VM 0% 1050/13876.59 : W 0% 100/1485 = 4409.26/18990.85 =25.17%28.1.19/28.1.19 Hubs 0% £400/£2,977 =13.44%SPC 2019 #073
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redsquirrel80 wrote: »Happy new diary and BIG CONGRATS on the job - we knew you could do it! x
Thank you and likewise Miss Squizz...26.2.19/14.1.19: T MC 3629.26/3629.26 : VM 0% 1050/13876.59 : W 0% 100/1485 = 4409.26/18990.85 =25.17%28.1.19/28.1.19 Hubs 0% £400/£2,977 =13.44%SPC 2019 #073
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Hello DD :wave: I was only wondering the other day where you'd got to...nice to see you back and hope everything's ok."Start every day off with a smile and get it over with" - W. C. Field.0
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