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  • FIRST POST
    • fay66
    • By fay66 25th Nov 17, 5:28 PM
    • 737Posts
    • 2,050Thanks
    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 2610/1988
    Pay day loans -1400 1st pay 16 march 50
    Credit card 1 -5100/4850 int froze
    CC2 -978
    CC3 - 500/548 cc4 165/200
Page 5
    • beanielou
    • By beanielou 25th Feb 18, 8:07 PM
    • 53,939 Posts
    • 213,711 Thanks
    beanielou
    Boo to the guy.
    How lovely to have a Westie
    Hope you get a date soon.
    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 25th Feb 18, 8:25 PM
    • 737 Posts
    • 2,050 Thanks
    fay66
    Thanks beanie , dont think ill be dating til after my op x yes he is a grouch this week as well. x
    Inland revenue 4500=
    Loan 2610/1988
    Pay day loans -1400 1st pay 16 march 50
    Credit card 1 -5100/4850 int froze
    CC2 -978
    CC3 - 500/548 cc4 165/200
    • beanielou
    • By beanielou 25th Feb 18, 8:37 PM
    • 53,939 Posts
    • 213,711 Thanks
    beanielou
    Apologies. I meant a date for the op.
    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 25th Feb 18, 8:57 PM
    • 737 Posts
    • 2,050 Thanks
    fay66
    ooh lol silly me x
    Inland revenue 4500=
    Loan 2610/1988
    Pay day loans -1400 1st pay 16 march 50
    Credit card 1 -5100/4850 int froze
    CC2 -978
    CC3 - 500/548 cc4 165/200
    • stvn1
    • By stvn1 25th Feb 18, 9:00 PM
    • 117 Posts
    • 232 Thanks
    stvn1
    You're doing great, the lodger was a cracking idea. Good luck with the op
    LBM 26/10/17
    Total debt at LBM - 12164.49
    Total current debt - 3601.54
    • savingholmes
    • By savingholmes 25th Feb 18, 11:29 PM
    • 8,955 Posts
    • 17,004 Thanks
    savingholmes
    Just caught up on your diary. Glad your lodger is working out so well.
    Today is a new day 93/310 10 a day Mar Challenge DFD August 2021
    • fay66
    • By fay66 26th Feb 18, 9:32 PM
    • 737 Posts
    • 2,050 Thanks
    fay66
    Thanks saving , bought salad at work . 2 today,Lodger cooked second par of stew we had yesterday, dogs had a small bit with biscuits,
    10 petrol til i get my lodgers money tomorrow but get paid weds and a nice little bonus from work.
    had a good day at work, collected my target already for the month.
    Inland revenue 4500=
    Loan 2610/1988
    Pay day loans -1400 1st pay 16 march 50
    Credit card 1 -5100/4850 int froze
    CC2 -978
    CC3 - 500/548 cc4 165/200
    • doingitanyway
    • By doingitanyway 26th Feb 18, 9:35 PM
    • 3,015 Posts
    • 14,912 Thanks
    doingitanyway
    I so admire you for taking on a lodger and making it all work. You are doing so well on the debt repayment too
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • beanielou
    • By beanielou 26th Feb 18, 9:55 PM
    • 53,939 Posts
    • 213,711 Thanks
    beanielou
    How are things going with the lodger?
    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 3rd Mar 18, 7:25 PM
    • 737 Posts
    • 2,050 Thanks
    fay66
    All going ok thanks Beanie. We both share supplies of toilet rolls, washing powder, just received his lodgings. 300
    Spent 50 cleaner due to my disability arthritis, etc
    30 on hair, 88 in homebargains, petfood, strepsils, etc had tonsilities from tuesday to today just getting over it, due to weather had no supplies, bread , eggs, 2 big bags of pedigree complete , 2 bags of whiskas 2kg for cats for month.
    screens wash id ran out, bit of grit, toiletries, washing so all stocked up couldnt beleive how much
    Farmfoods spent 29, 40 sachets of whiskas cat food 22, cabbage , big bag of peas 3 birdseye i just cant swap,
    50 petrol,
    paid all bills just a few to pay of direct debits this month,
    Last edited by fay66; 03-03-2018 at 7:29 PM.
    Inland revenue 4500=
    Loan 2610/1988
    Pay day loans -1400 1st pay 16 march 50
    Credit card 1 -5100/4850 int froze
    CC2 -978
    CC3 - 500/548 cc4 165/200
    • fay66
    • By fay66 3rd Mar 18, 7:28 PM
    • 737 Posts
    • 2,050 Thanks
    fay66
    still no update on my ex. 7 years down the pann!
    Inland revenue 4500=
    Loan 2610/1988
    Pay day loans -1400 1st pay 16 march 50
    Credit card 1 -5100/4850 int froze
    CC2 -978
    CC3 - 500/548 cc4 165/200
    • beanielou
    • By beanielou 3rd Mar 18, 7:49 PM
    • 53,939 Posts
    • 213,711 Thanks
    beanielou
    still no update on my ex. 7 years down the pann!
    Originally posted by fay66
    Better now than later.

    Glad all going well with lodger.
    Is it 60 a week?
    I used to take 50 a week but was thinking 55 if i do it again.
    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 Mar 18, 2:26 PM
    • 737 Posts
    • 2,050 Thanks
    fay66
    hes changing to weekly wages so said 75 a week, its made the difference to be honest,
    Inland revenue 4500=
    Loan 2610/1988
    Pay day loans -1400 1st pay 16 march 50
    Credit card 1 -5100/4850 int froze
    CC2 -978
    CC3 - 500/548 cc4 165/200
    • beanielou
    • By beanielou 4th Mar 18, 7:35 PM
    • 53,939 Posts
    • 213,711 Thanks
    beanielou
    Thanks for that fay.
    Would not get that amount here sadly.
    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.
    • Poor_Single_lady
    • By Poor_Single_lady 4th Mar 18, 8:03 PM
    • 1,385 Posts
    • 5,360 Thanks
    Poor_Single_lady
    Hope you are ok. Doing really well on the budget and sensible spending.
    Hard going with the dating and the men. Hope you are being kind to yourself. xx
    2017- 5 credit cards plus loan
    Overdraft And 1 credit card paid off.

    2018 plans - reduce debt
    • fay66
    • By fay66 4th Mar 18, 8:27 PM
    • 737 Posts
    • 2,050 Thanks
    fay66
    Hi PSL
    I just miss my old man to be honest, just his shifts not matching my working life. x
    I have now a new part time job ,,,, well Ive returned, its 25p a minute Im going to go for 10 a day x to pay off that big loan , also mark will only pay me 75 a week from the first so I will loose the 300 in advance
    Low spend today had to buy a mattress protector got two , small spend in morrisons, i cant do without my special k redberry breakfast bar x
    Tonsilitis finally letting upx
    Inland revenue 4500=
    Loan 2610/1988
    Pay day loans -1400 1st pay 16 march 50
    Credit card 1 -5100/4850 int froze
    CC2 -978
    CC3 - 500/548 cc4 165/200
    • fay66
    • By fay66 8th Mar 18, 11:59 AM
    • 737 Posts
    • 2,050 Thanks
    fay66
    what a few weeks. viral infection, then tooth ache , couldnt get into my dentist for 3 days, then a tooth extraction today, pain was unbeleiveable, root infection, 56 lighter, off to the hospital today for pre operation study for two hours and bloods being retaken because 6 month wait list for operation have lapsed because of the crisis with beds, still no date, but will be going with a thumping mouth, on cocodamol hope it settles . apart from that 4 spend this week at work for meals. Liver and bacon tonight but looks a bit clumpy in slow cooker
    Inland revenue 4500=
    Loan 2610/1988
    Pay day loans -1400 1st pay 16 march 50
    Credit card 1 -5100/4850 int froze
    CC2 -978
    CC3 - 500/548 cc4 165/200
    • beanielou
    • By beanielou 8th Mar 18, 12:08 PM
    • 53,939 Posts
    • 213,711 Thanks
    beanielou
    Poor you
    I loathe liver. Forced to eat it as a child.
    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.
    • doingitanyway
    • By doingitanyway 8th Mar 18, 2:38 PM
    • 3,015 Posts
    • 14,912 Thanks
    doingitanyway
    Yuck, clumpy liver although lots of iron so very good for you...
    Sorry about your tooth...
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • Toni'sfriend
    • By Toni'sfriend 8th Mar 18, 4:43 PM
    • 1,246 Posts
    • 12,128 Thanks
    Toni'sfriend
    Must be in a minority here. I love liver. It's good for you and supercheap. Mind you, I'll eat just about anything.

    Hope your hospital appointment goes well. Six months is an awful long time to wait for an operation.
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