Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • fay66
    • By fay66 25th Nov 17, 5:28 PM
    • 737Posts
    • 2,056Thanks
    fay66
    Over the hill and drowning
    • #1
    • 25th Nov 17, 5:28 PM
    Over the hill and drowning 25th Nov 17 at 5:28 PM
    [tt]Statement of Affairs and Personal Balance Sheet

    Household Information

    Number of adults in household........... 1
    Number of children in household......... 0
    Number of cars owned.................... 0 1 car pip hp

    Monthly Income Details

    Monthly income after tax................ 1456
    Partners monthly income after tax....... 0
    Benefits................................ 374
    Other income............................ 0
    Total monthly income.................... 1830


    Monthly Expense Details

    Mortgage................................ 0
    Secured/HP loan repayments.............. 0
    Rent.................................... 450
    Management charge (leasehold property).. 0
    Council tax............................. 156 includes 60 debt paid jan 18
    Electricity............................. 28
    Gas..................................... 28
    Oil..................................... 0
    Water rates............................. 25
    Telephone (land line)................... 0
    Mobile phone............................ 88, ee mobile and pad contract ends jan 19
    TV Licence.............................. 12
    Satellite/Cable TV...................... 58
    Internet Services....................... 0
    Groceries etc. ......................... 200 includes dogs cats
    Clothing................................ 50
    Petrol/diesel........................... 120 miles 250 ew
    Road tax................................ 0
    Car Insurance........................... 0
    Car maintenance (including MOT)......... 0
    Car parking............................. 0
    Other travel............................ 0
    Childcare/nursery....................... 0
    Other child related expenses............ 0
    Medical (prescriptions, dentist etc).... 10
    Pet insurance/vet bills................. 25
    Buildings insurance..................... 0
    Contents insurance...................... 20
    Life assurance ......................... 0
    Other insurance......................... 0
    Presents (birthday, christmas etc)...... 50
    Haircuts................................ 30
    Entertainment........................... 60
    Holiday................................. 30
    Emergency fund.......................... 50
    Total monthly expenses.................. 1490



    Assets

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


    No Secured nor Hire Purchase Debts


    Unsecured Debts
    Description....................Debt......Monthly.. .APR
    capital one....................200.......10........34.9
    aqua...........................500.......48....... .34.9
    ocean..........................1000......27....... .34.94
    118 118 loan...................2788......145.......71.3
    studio.........................100.......0........ .0
    fashion world..................200.......0.........0
    littlewoods....................450.......20....... .0
    very...........................300.......17....... .0
    marbles........................4500......189...... .34.9
    Total unsecured debts..........10038.....456.......-



    Monthly Budget Summary

    Total monthly income.................... 1,830
    Expenses (including HP & secured debts). 1,490
    Available for debt repayments........... 340
    Monthly UNsecured debt repayments....... 456
    Amount short for making debt repayments. -116


    Personal Balance Sheet Summary
    Total assets (things you own)........... 0
    Total HP & Secured debt................. -0
    Total Unsecured debt.................... -10,038
    Net Assets.............................. -10,038


    [/tt]
    Last edited by fay66; 25-11-2017 at 6:07 PM.
    Inland revenue £4500=
    Loan £1562
    Pay day loans -1400 1st pay 16 march £50
    Credit card 1 -4850/4850 int froze
    CC2 -978
    CC3 - 500/548 cc4 180/200
Page 4
    • fay66
    • By fay66 13th Dec 17, 6:05 PM
    • 737 Posts
    • 2,056 Thanks
    fay66
    DD
    Iceland spend £15, dog biscuits,, cheese small xmas bits
    day off today annual leave
    put xmas stuff up
    need to wrap presents
    Inland revenue £4500=
    Loan £1562
    Pay day loans -1400 1st pay 16 march £50
    Credit card 1 -4850/4850 int froze
    CC2 -978
    CC3 - 500/548 cc4 180/200
    • fay66
    • By fay66 17th Dec 17, 6:49 PM
    • 737 Posts
    • 2,056 Thanks
    fay66
    after an eventful week at work
    not looking forward to no pay for sick pay
    naughty and bought an amazon echo sorry but needed this
    £56 at aldi this weekend, including gingerbread house for dd, fig and camembert cheese for boxing day, pet food, and other grocery bits
    went to a lovely brass band at the theatre £8 was paid last month and included a mulled wine, mince pie.
    Inland revenue £4500=
    Loan £1562
    Pay day loans -1400 1st pay 16 march £50
    Credit card 1 -4850/4850 int froze
    CC2 -978
    CC3 - 500/548 cc4 180/200
    • beanielou
    • By beanielou 17th Dec 17, 8:13 PM
    • 55,063 Posts
    • 220,040 Thanks
    beanielou
    Why do you need an Amazon Echo?
    You are the second person talking about them today.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger.
    • fay66
    • By fay66 17th Dec 17, 8:34 PM
    • 737 Posts
    • 2,056 Thanks
    fay66
    Its the in thing beanie, can chat for free with others so could reduce plan next year , its a wireless thing . Im just having this treat for xmas. and got it for a bargain£52.99
    Inland revenue £4500=
    Loan £1562
    Pay day loans -1400 1st pay 16 march £50
    Credit card 1 -4850/4850 int froze
    CC2 -978
    CC3 - 500/548 cc4 180/200
    • beanielou
    • By beanielou 17th Dec 17, 8:49 PM
    • 55,063 Posts
    • 220,040 Thanks
    beanielou
    Its the in thing beanie, can chat for free with others so could reduce plan next year , its a wireless thing . Im just having this treat for xmas. and got it for a bargain£52.99
    Originally posted by fay66
    Interesting.
    Someone told me theirs was a hundred quid
    Ot was that Alisha or whatever it is called?
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger.
    • fay66
    • By fay66 17th Dec 17, 9:15 PM
    • 737 Posts
    • 2,056 Thanks
    fay66
    first order with very , i just went for the echo, because im in a non smart light bulb house theres a few different models, my kitchen is tiny so could probably then bin the cd . stereo you can stream music free and radio x
    Inland revenue £4500=
    Loan £1562
    Pay day loans -1400 1st pay 16 march £50
    Credit card 1 -4850/4850 int froze
    CC2 -978
    CC3 - 500/548 cc4 180/200
    • 117pauline
    • By 117pauline 31st Dec 17, 11:21 PM
    • 653 Posts
    • 7,282 Thanks
    117pauline
    Happy New Year

    May all your hopes and dreams come true in 2018

    Take care
    Pauline

    Thank you for popping in on my thread, your support is so appreciated
    Don't get it perfect - Get it going
    Better Than Before
    • fay66
    • By fay66 12th Jan 18, 10:08 PM
    • 737 Posts
    • 2,056 Thanks
    fay66
    Well Im still battling on here, tripped over my laptop on xmas eve and smashed the screen good luck had it i hadnt cancelled my £8 warranty,
    because its touch screen, all seems to be working alot better, but was a 2 week delay I need to write to the plan to see if I can get a good will gesture.
    Inland revenue £4500=
    Loan £1562
    Pay day loans -1400 1st pay 16 march £50
    Credit card 1 -4850/4850 int froze
    CC2 -978
    CC3 - 500/548 cc4 180/200
    • 117pauline
    • By 117pauline 13th Jan 18, 9:14 AM
    • 653 Posts
    • 7,282 Thanks
    117pauline
    Hi fay66

    It's amazing how reliant we are on modern technology, isn't it? I love my tablet and I am still struggling to leave it downstairs at night. I can understand how people get addicted to them.

    Have a good weekend
    Pauline
    Don't get it perfect - Get it going
    Better Than Before
    • fay66
    • By fay66 13th Jan 18, 1:47 PM
    • 737 Posts
    • 2,056 Thanks
    fay66
    mine is a amazon echo
    Interesting.
    Someone told me theirs was a hundred quid
    Ot was that Alisha or whatever it is called?
    Originally posted by beanielou
    also before you set off for work let you know the traffic , set a reminder for events alarm clock play radio, recipes I absolutely love it best geek pressie
    Inland revenue £4500=
    Loan £1562
    Pay day loans -1400 1st pay 16 march £50
    Credit card 1 -4850/4850 int froze
    CC2 -978
    CC3 - 500/548 cc4 180/200
    • fay66
    • By fay66 31st Jan 18, 9:46 PM
    • 737 Posts
    • 2,056 Thanks
    fay66
    update paid a little off my debts all credit cards under the limit and paid so will not get the drastic charge payday loans have offered me a settlement , cant afford it yet but will stretch it til next month, putting payment of £200 on new car , audi going back 3 years quickly up
    put £1000 to debts free c.tax towards loan had to pay 2 x sky and change day to 1 , little extra salary due to no ssp. had a cracking month at work.
    had ot report back all in my favour , flexi working and from home but no acknowledgement from work
    Inland revenue £4500=
    Loan £1562
    Pay day loans -1400 1st pay 16 march £50
    Credit card 1 -4850/4850 int froze
    CC2 -978
    CC3 - 500/548 cc4 180/200
    • beanielou
    • By beanielou 31st Jan 18, 10:07 PM
    • 55,063 Posts
    • 220,040 Thanks
    beanielou
    Good news on paying of some of the debt
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger.
    • fay66
    • By fay66 4th Feb 18, 10:37 PM
    • 737 Posts
    • 2,056 Thanks
    fay66
    update froze interest on marbles card payment 84 a month
    spend £50 at asda including dog food and cat food on offer £3 a bag for go cat
    visited a downside exchange maisonette closer to work, just a worry for my pets. they like my house too,
    had a catch up with friend on sat , we both did visits and she liked the maisonette too,
    paid all debts out of wages, just got catalogue to pay
    ordered new toyota yaris car,, hybrid so will save on petrol no deposit needed yet
    Inland revenue £4500=
    Loan £1562
    Pay day loans -1400 1st pay 16 march £50
    Credit card 1 -4850/4850 int froze
    CC2 -978
    CC3 - 500/548 cc4 180/200
    • beanielou
    • By beanielou 5th Feb 18, 8:02 PM
    • 55,063 Posts
    • 220,040 Thanks
    beanielou
    Hate to ask but can you afford a new car?
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger.
    • fay66
    • By fay66 5th Feb 18, 8:41 PM
    • 737 Posts
    • 2,056 Thanks
    fay66
    mine is up for change beanie its motability ,
    Inland revenue £4500=
    Loan £1562
    Pay day loans -1400 1st pay 16 march £50
    Credit card 1 -4850/4850 int froze
    CC2 -978
    CC3 - 500/548 cc4 180/200
    • beanielou
    • By beanielou 5th Feb 18, 8:48 PM
    • 55,063 Posts
    • 220,040 Thanks
    beanielou
    Ak ok.
    When do you get your new one?
    I had driven Toyota for over 20 years til my last change.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger.
    • fay66
    • By fay66 5th Feb 18, 9:07 PM
    • 737 Posts
    • 2,056 Thanks
    fay66
    26th March, changing my audi ,
    Inland revenue £4500=
    Loan £1562
    Pay day loans -1400 1st pay 16 march £50
    Credit card 1 -4850/4850 int froze
    CC2 -978
    CC3 - 500/548 cc4 180/200
    • beanielou
    • By beanielou 5th Feb 18, 9:13 PM
    • 55,063 Posts
    • 220,040 Thanks
    beanielou
    I have just not long got one!!
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger.
    • fay66
    • By fay66 11th Feb 18, 9:18 PM
    • 737 Posts
    • 2,056 Thanks
    fay66
    Dear myself and the diary
    £30 spend on petrol
    £150 in bank towards deposit on car
    £33 spend today on groceries
    £14 wilko spend toilet rolls etc and trying their dry dog food
    £25 on the meat market which we have trucks of meat 1 silverside joint, 1 large bag minced beef , chicken fillets, stewing beef, 3 gammon joints some frozen lodger gave me 12.50 for this
    Saturday social - weatherspoons breakfast and unlimited lattee £10 spend all day
    spare cash £40 in purse for lunches at work and grill 6.50 on thursday
    Inland revenue £4500=
    Loan £1562
    Pay day loans -1400 1st pay 16 march £50
    Credit card 1 -4850/4850 int froze
    CC2 -978
    CC3 - 500/548 cc4 180/200
    • fay66
    • By fay66 25th Feb 18, 3:25 PM
    • 737 Posts
    • 2,056 Thanks
    fay66
    Dear Diary , Had no idea not wrote for ages, seems i like posting and burying my head in sand
    Lots of changes at the top at work,
    This weekend bought some more meat , from he market split bacon and sausages in freezable bags, slow cooking stewing steak £5 with veg supplied by lodger except cabbage and brussels, massive bag of frozen chicken for dogs,£5 cubes
    Bought morrisons fruit , cereal bars bits for work £34,
    home bargains £14 zip freezer bags , sweets . biscuits,
    poundland toilet rolls, zoflora, dog food only need small amount til payday
    Guy Ive been seeing 7 years has disappeared out of my life, bit upset this weekend felt bit low but got myself up and out in fresh air with my lovely westie feeling bit better in my muscles,
    Used my christmas pressie of epsom salts sat to loosen my limbs, think its my arthritis in knees, but waiting surgery biatric dept but no date yet,trying to save my leave for this
    Inland revenue £4500=
    Loan £1562
    Pay day loans -1400 1st pay 16 march £50
    Credit card 1 -4850/4850 int froze
    CC2 -978
    CC3 - 500/548 cc4 180/200
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

92Posts Today

2,255Users online

Martin's Twitter
  • Ah these care free days of watching #ENG score 5 goals in the first half of a World Cup match. It reminds me of... Never.

  • Then it should be. It's not some accident. It's deliberate grappling https://t.co/UxVTuUSNio

  • Penalty yes but time someone was sent off for these wrestling moves #WorldCup

  • Follow Martin