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  • FIRST POST
    • wellylass89
    • By wellylass89 18th Dec 16, 8:32 AM
    • 318Posts
    • 402Thanks
    wellylass89
    New place, fresh start..
    • #1
    • 18th Dec 16, 8:32 AM
    New place, fresh start.. 18th Dec 16 at 8:32 AM
    Hello all

    I've decided to start a new diary catch up on my old musings here:
    http://forums.moneysavingexpert.com/showthread.php?t=5485047

    I've just moved into a place of my own after a crazy year, relationship breakdown, moving back to my home area, getting a new full time job.

    I'm still in debt but more determined to clear it than ever, I feel like having my own place and to a point being in control of most things will help. I can batch cook, use the slow cooker to it's full potential!!

    Anyway off to complete my SOA and will post it here..

    Feeling positive..

    Welly x
Page 4
    • wellylass89
    • By wellylass89 16th Sep 17, 12:56 PM
    • 318 Posts
    • 402 Thanks
    wellylass89
    I've done something I've been toying with for a while and I've bought YNAB, I've read many good things about it and I think it will be what I need to get me to realize what I actually waste my money on.

    So here goes..

    Welly x
    • louby40
    • By louby40 16th Sep 17, 6:43 PM
    • 1,363 Posts
    • 3,695 Thanks
    louby40
    Welly, YNAB is brilliant- it's totally changed my money life! Good luck with it. Watch the YOUTUBE videos they are really helpful!
    • wellylass89
    • By wellylass89 19th Sep 17, 2:11 PM
    • 318 Posts
    • 402 Thanks
    wellylass89
    Thanks Louby! So far so good, having the app and the numbers on my phone makes it so much easier to see whats what and it's natural to want to look at that rather than the online bank!!

    Nothing much to report, just been working although I'm off now for 3 days.. off to see one of my longest friends tonight we don't see each other often but when we do we just pick up where we last left off and boy do I need it.

    Mum and I are going out for lunch Thursday and she's coming here for a few hours so that will be nice, she's only been to visit once and that was for 10 mins and she was with her bf (he's not a nice man but that's another story).

    Still trying to find a second job or something to fit in with work, it's so hard coz at times I feel like I could easily do loads of extra then other times I'm totally wiped out and exhausted and I don't know if it will be worth it.

    Roll on pay day..

    Welly x
    • wellylass89
    • By wellylass89 20th Sep 17, 10:39 AM
    • 318 Posts
    • 402 Thanks
    wellylass89
    Productive morning even tho I haven't got up yet (shameful I know).

    Had an absolute blast last night we laughed so hard we cried, I'm still in a dark place mentally but she has been through the same sort of thing last year she gets it, she gets me.. I have no idea why we click like we do but we just do and to have someone like her in my life I'm forever grateful!

    So I got home fairly late and have got a stinking head and period pain hence why I'm still in bed.

    I have however changed my broadband package saving my 5 a month, I also hadn't realized I still had a data add on with my phone so I have removed that saving me 10 a month.

    Hoping these small things will add up.

    Have a good day everyone

    Welly x
    • sauceoclock
    • By sauceoclock 27th Sep 17, 11:00 AM
    • 910 Posts
    • 1,041 Thanks
    sauceoclock
    Wellylass! When I was bed-bound and bored whilst BF was at work I did loads of user tests, I've been doing the usertesting for quite a while and they even sent me a really expensive camera to do them with after I'd completed 3 or 4. Give www.usertesting.co.uk a try.. You have to have your computer loaded up and listen out for the gong sound when a test becomes available as they disappear in a matter of seconds if you aren't quick enough.
    Loan: 3,600 2,179.70
    Credit Card: 1,758.95 1,433.95
    Goal Debt-Free Date: February 2019
    Rainy-Day 6,000: 760
    • wellylass89
    • By wellylass89 2nd Oct 17, 8:13 AM
    • 318 Posts
    • 402 Thanks
    wellylass89
    Thanks Sauce I will give it a go!

    Not much to report it's been pay day, did my food shop Saturday then went out on a date on Saturday evening.. had a really lovely time, I'd like to see him again but I'm not putting too much pressure on it.

    Trying to boss YNAB but I keep messing up its so frustrating I need to work out how to use it properly.

    From now I'll be working every weekends we are so short staffed, will mean around an extra 200 quid a month which will make a big difference I hope.. feel like I'm still getting nowhere.

    Welly x
    • wellylass89
    • By wellylass89 5th Oct 17, 10:48 AM
    • 318 Posts
    • 402 Thanks
    wellylass89
    Last day off before I'm back at work tomorrow. Just put some flapjack in the oven and have done a load of washing.

    The guy wants to go on another date, this will be our 3rd so, so far so good..

    I've given up my expensive red bull and rubbish habit, I coudn't believe how much I was spending on this and that stuff I didn't really need.
    Now I think do I really need it instead of just mindlessly spending.

    I will get sorted.

    Welly x
    • wellylass89
    • By wellylass89 24th Nov 17, 11:21 AM
    • 318 Posts
    • 402 Thanks
    wellylass89
    My god I haven't updated in ages.. so here goes..

    All going well with the guy he's lovely..

    Money side not so good..

    Electric has gone up an extra 10 a month, I've realized how expensive it's been shopping at Mr Ts.

    Work is stressing me out so much at the moment, we are so short staffed and I'm exhausted completely exhausted and I feel like I've let my eye off the ball with money and I really need to get back on it.

    Welly x
    • wellylass89
    • By wellylass89 9th Jan 18, 12:19 PM
    • 318 Posts
    • 402 Thanks
    wellylass89
    New SOA
    Statement of Affairs and Personal Balance Sheet

    Household Information

    Number of adults in household........... 1
    Number of children in household.........
    Number of cars owned....................

    Monthly Income Details

    Monthly income after tax................ 1200
    Partners monthly income after tax....... 0
    Benefits................................ 0
    Other income............................ 0
    Total monthly income.................... 1200


    Monthly Expense Details

    Mortgage................................ 0
    Secured/HP loan repayments.............. 141
    Rent.................................... 450
    Management charge (leasehold property).. 0
    Council tax............................. 79
    Electricity............................. 30
    Gas..................................... 0
    Oil..................................... 30
    Water rates............................. 15.7
    Telephone (land line)................... 0
    Mobile phone............................ 51 (in contract till Dec '19)
    TV Licence.............................. 12.37
    Satellite/Cable TV...................... 0
    Internet Services....................... 19.95
    Groceries etc. ......................... 100
    Clothing................................ 0
    Petrol/diesel........................... 50
    Road tax................................ 2.5
    Car Insurance........................... 24
    Car maintenance (including MOT)......... 20
    Car parking............................. 0
    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...................... 5
    Life assurance ......................... 0
    Other insurance......................... 0
    Presents (birthday, christmas etc)...... 10
    Haircuts................................ 0
    Entertainment........................... 20
    Holiday................................. 0
    Emergency fund.......................... 10
    Total monthly expenses.................. 1070.52



    Assets

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



    Secured & HP Debts

    Description....................Debt......Monthly.. .APR
    Mortgage...................... 0........(0)........0
    Hire Purchase (HP) debt ...... 7863.....(141)......6.9
    Total secured & HP debts...... 7863......-.........-


    Unsecured Debts
    Description....................Debt......Monthly.. .APR
    Barclaycard ...................2592.88...50........0
    halifax........................750.......10....... .0
    AO.com.........................577.......27.48.... .19.9
    Total unsecured debts..........3919.88...87.48.....-



    Monthly Budget Summary

    Total monthly income.................... 1,200
    Expenses (including HP & secured debts). 1,070.52
    Available for debt repayments........... 129.48
    Monthly UNsecured debt repayments....... 87.48
    Amount left after debt repayments....... 42


    Personal Balance Sheet Summary
    Total assets (things you own)........... 0
    Total HP & Secured debt................. -7,863
    Total Unsecured debt.................... -3,919.88
    Net Assets.............................. -11,782.88


    Created using the SOA calculator at www.stoozing.com.
    Reproduced on Moneysavingexpert with permission, using other browser.
    • wellylass89
    • By wellylass89 9th Jan 18, 12:29 PM
    • 318 Posts
    • 402 Thanks
    wellylass89
    I've put in car insurance and home insurance but I have paid these annually and I'm saving 50 per month through my work scheme which will pay for these next time.

    1200 is the bare minimum I get, I usually get a bit more and recently have done alot of overtime so I have had extra although that is finishing this month. Any extra I do get will be going to pay off the card this is 0% for 20 months.

    Any other advice much appreciated.

    Welly
    • sauceoclock
    • By sauceoclock 26th Jan 18, 12:42 PM
    • 910 Posts
    • 1,041 Thanks
    sauceoclock
    Hey Wellylass! Good to see ya!

    Looking at your SOA it seems your car HP is the biggest 'luxury' expense in terms of bills going out each month, you pay more for your car than for your groceries. Is it on an HP scheme or PCP (if so, will you have a balloon payment at the end)? xx
    Loan: 3,600 2,179.70
    Credit Card: 1,758.95 1,433.95
    Goal Debt-Free Date: February 2019
    Rainy-Day 6,000: 760
    • wellylass89
    • By wellylass89 29th Jan 18, 12:14 PM
    • 318 Posts
    • 402 Thanks
    wellylass89
    Hey Wellylass! Good to see ya!

    Looking at your SOA it seems your car HP is the biggest 'luxury' expense in terms of bills going out each month, you pay more for your car than for your groceries. Is it on an HP scheme or PCP (if so, will you have a balloon payment at the end)? xx
    Originally posted by sauceoclock
    Hi Sauce, Yes it's on HP, I know it's a luxury but a car is an essential round here.

    A plus is that from next week our shifts will be going to 11.5 hour shifts which means an extra day off in the week off so will look for a few more hours somewhere. Also means extra weekend hours worked so that will be a bit extra.

    I guess upping my income is the only option I have, luckily will be going away again for 2 weeks at lambing time so that money will pay a chunk of the card off.

    Welly x
    • sauceoclock
    • By sauceoclock 30th Jan 18, 10:05 AM
    • 910 Posts
    • 1,041 Thanks
    sauceoclock
    Hi Sauce, Yes it's on HP, I know it's a luxury but a car is an essential round here.

    A plus is that from next week our shifts will be going to 11.5 hour shifts which means an extra day off in the week off so will look for a few more hours somewhere. Also means extra weekend hours worked so that will be a bit extra.

    I guess upping my income is the only option I have, luckily will be going away again for 2 weeks at lambing time so that money will pay a chunk of the card off.

    Welly x
    Originally posted by wellylass89
    Know what you mean, I have a car on PCP because I had no spare cash for a car and the PCP deal was interest free so I chose that over a loan or HP (which had higher monthly payments)... Can't be without a car in the countryside unfortunately!
    Loan: 3,600 2,179.70
    Credit Card: 1,758.95 1,433.95
    Goal Debt-Free Date: February 2019
    Rainy-Day 6,000: 760
    • wellylass89
    • By wellylass89 31st Jan 18, 10:52 AM
    • 318 Posts
    • 402 Thanks
    wellylass89
    Know what you mean, I have a car on PCP because I had no spare cash for a car and the PCP deal was interest free so I chose that over a loan or HP (which had higher monthly payments)... Can't be without a car in the countryside unfortunately!
    Originally posted by sauceoclock
    It's hard isn't it, I had an older car but it was costing so much in maintenance and insurance etc as much as this is costing me a month to pay for it's cheaper to run and keep.

    Doesn't help I'm now in a relationship and spend my days off with my fella. He lives an hour and a half away too so not even like he is local, but he's amazing and he understands things which is fab

    I'm back to work tomorrow, just got back from OH gonna have a shower and a lazy day. I'm on a diet and having just shakes felt great up until now but I now feel horrific

    Welly x
    • sauceoclock
    • By sauceoclock 31st Jan 18, 11:50 AM
    • 910 Posts
    • 1,041 Thanks
    sauceoclock
    Oh no! Doesn't sound like the diet is agreeing with you, could you fill up on healthy fruit and veggies to assist?

    Yeah same here! I was piling money in to my car and it just kept being mutinous and dying elsewhere! I wish I lived somewhere with better public transport but alas it's rubbish (Norfolk), I'm also used to the freedom of a car now!

    New fella sounds great!! Really pleased to hear... When are you off lambing?
    Loan: 3,600 2,179.70
    Credit Card: 1,758.95 1,433.95
    Goal Debt-Free Date: February 2019
    Rainy-Day 6,000: 760
    • wellylass89
    • By wellylass89 31st Jan 18, 4:38 PM
    • 318 Posts
    • 402 Thanks
    wellylass89
    Oh no! Doesn't sound like the diet is agreeing with you, could you fill up on healthy fruit and veggies to assist?

    Yeah same here! I was piling money in to my car and it just kept being mutinous and dying elsewhere! I wish I lived somewhere with better public transport but alas it's rubbish (Norfolk), I'm also used to the freedom of a car now!

    New fella sounds great!! Really pleased to hear... When are you off lambing?
    Originally posted by sauceoclock
    To be honest I could just sack it off and go back to calorie counting, I follow a page on facey with a couple who are straight talking and honest and to join their group it's a few pounds a month and it works. No fads no faffing just calorie counting, macros and some exercise yet here I am on a stupidly low amount of calories, feeling awful wondering why I'm paying money I don't have for some shakes I don't really like! I'm such an idiot.

    Thank you! He's a good one, I feel very lucky

    That won't be till the beginning of April but least I know it's something to look forward to and the money will be a plus!

    I'm so annoyed with myself tonight. Feeling like a failure all I want to do is eat and I'm questioning why I'm doing this to myself.

    Welly x
    • sauceoclock
    • By sauceoclock 31st Jan 18, 4:49 PM
    • 910 Posts
    • 1,041 Thanks
    sauceoclock
    You are most definitely not a failure Wellylass! I get the same sometimes (we're similar in age if the 89 in your name is any clue!) and feel like I'm under so much pressure to be a certain way my social media is littered with *fitness gurus* who actually have 0 training and loads of free time to go to the gym. TBH I find a lot of these faddy diets useless and good old fashioned healthy eating and exercise is always at the crux of them. The facebook group sounds good, I find the whole macro thing a bit confusing so I'd benefit from something like that (however I'm transitioning to vegan (not a preachy one though) so feel like I wouldn't get much out of that stuff)

    Anyway, I've digressed! You are not a failure at all - have something tasty for dinner!!
    Loan: 3,600 2,179.70
    Credit Card: 1,758.95 1,433.95
    Goal Debt-Free Date: February 2019
    Rainy-Day 6,000: 760
    • wellylass89
    • By wellylass89 7th Feb 18, 11:03 AM
    • 318 Posts
    • 402 Thanks
    wellylass89
    Well I'm 8lb down in 2 and a half weeks so can't complain at that! I did a week on shakes then came to my senses I couldn't afford it so I've been doing some intermittent fasting and it seems to be working and I'm finding it very easy!

    New shifts at work started Monday, so much better only having to do a 7 day fortnight

    My car needs a service in the next few weeks luckily I got extra wages last month from Christmas and some overtime so I can pay for it and no need to put it on the credit card.

    I'm gonna list some things online to sell this week so hopefully make a bit more to go into my emergency fund.

    I just feel so much pressure on myself. I almost regret the degree I did and wish I'd done something else, I can't go and do another degree as I'd not get funding. Then lately I've been thinking about how much I'd like to have kids in the future and that's something relatively new for me.. maybe my mind is kicking in that I'll soon be 30! but then how can I think like that when I don't have a career or a good job for security.

    I'm rambling now, I don't want to have kids tomorrow but I know I do in the future. Why is life so complicated.

    Off to go for a walk and clear my head.

    Welly x
    • wellylass89
    • By wellylass89 27th Feb 18, 9:43 AM
    • 318 Posts
    • 402 Thanks
    wellylass89
    Well it's very very snowy here today in North Yorkshire. Luckily I'm off work, back tomorrow for 3 long days tho which I'm not looking forward too.

    Think I've finally hit rock bottom money wise as much as I've wanted to clear my debt I've still been spending stupidly and putting stuff on CC

    I guess the pressure to do things and go places hasn't helped and I don't have many friends so spending has been a crutch somewhat.

    If I don't sort myself out soon I'm heading into a big mess.

    I'm off to try work out a plan and probably cry a bit.

    Denial is a horrible thing.

    Welly x
    • wellylass89
    • By wellylass89 27th Mar 18, 7:53 PM
    • 318 Posts
    • 402 Thanks
    wellylass89
    So I have been plodding along paying off a bit on the cards here and there, I've started matched betting so I have made a few hundred there which will go towards the card.

    Boyfriend is hinting at me moving in which I am seriously going to consider. I have nothing to loose, if things work out cool if not I will go back to renting a room.

    I have also made the decision to apply for uni in September to study Occupational therapy, if I get a place at the uni I want I will be able to commute from the OHs place.

    Even tho it's a second degree I will get funding as its an exception.

    I feel like if I don't do this now I will have regrets.

    If I don't get a place I will stay in my current job till I can find something closer to my OH then move over then.

    Welly x
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