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  • FIRST POST
    • AllThatStuffIsJustStuff
    • By AllThatStuffIsJustStuff 12th Aug 18, 6:31 PM
    • 98Posts
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    AllThatStuffIsJustStuff
    Third time around - this time the last!
    • #1
    • 12th Aug 18, 6:31 PM
    Third time around - this time the last! 12th Aug 18 at 6:31 PM
    This is the third time me and PBS (PiggyBankShaker) have started a diary. We got debt free both times before, but here we are again.
    In some ways right now we're better off than we were the other times, in other ways we are not.

    Here's our starting point:

    Statement of Affairs and Personal Balance Sheet

    Household Information

    Number of adults in household........... 2
    Number of children in household......... 2
    Number of cars owned.................... 1

    Monthly Income Details

    Monthly income after tax................ 3271
    Partners monthly income after tax....... 0
    Benefits................................ 137.6
    Other income............................ 0
    Total monthly income.................... 3408.6


    Monthly Expense Details

    Mortgage................................ 438.6
    Council tax............................. 135
    Electricity............................. 35
    Gas..................................... 35
    Water rates............................. 43
    Telephone (land line)................... 0
    Mobile phone............................ 62
    TV Licence.............................. 12
    Satellite/Cable TV...................... 0
    Internet Services....................... 24
    Groceries etc. ......................... 327
    Clothing................................ 34
    Petrol/diesel........................... 96
    Road tax................................ 2.5
    Car Insurance........................... 25
    Car maintenance (including MOT)......... 25
    Other child related expenses............ 167
    Pet insurance/vet bills................. 60
    Buildings insurance..................... 10
    Contents insurance...................... 10
    Life assurance ......................... 32
    Presents (birthday, christmas etc)...... 60
    Entertainment........................... 194
    Holiday................................. 180
    Cash spent.............................. 350
    bank charges............................ 18
    Scribophile............................. 14
    Counselling............................. 70
    Pension payment......................... 311.9
    Charitable giving....................... 62
    Gym memberships......................... 61
    Total monthly expenses.................. 2894



    Assets

    Cash.................................... 0
    House value (Gross)..................... 115000
    Shares and bonds........................ 0
    Car(s).................................. 7000
    Other assets............................ 0
    Total Assets............................ 122000



    Secured & HP Debts


    Mortgage...................... 56377
    Total secured & HP debts...... 56377

    Unsecured Debts

    Car loan.......................5083.7
    CC1...........................4685.9
    CC2....................2755.7
    Overdraft...................386
    Other debt................453
    IOUs...........................92
    CC3.....................1457.85
    Total unsecured debts..........14914.15

    Monthly Budget Summary
    Total monthly income.................... 3,408.6
    Expenses (including HP & secured debts). 2,914
    Available for debt repayments........... 494.6
    Monthly UNsecured debt repayments....... 568.08
    Amount short for making debt repayments. -53.48


    Personal Balance Sheet Summary
    Total assets (things you own)........... 122,000
    Total HP & Secured debt................. -56,377
    Total Unsecured debt.................... -14,914.15
    Net Assets.............................. 50,708.85
    Last edited by AllThatStuffIsJustStuff; 12-08-2018 at 6:46 PM.
Page 1
    • AllThatStuffIsJustStuff
    • By AllThatStuffIsJustStuff 12th Aug 18, 6:33 PM
    • 98 Posts
    • 239 Thanks
    AllThatStuffIsJustStuff
    • #2
    • 12th Aug 18, 6:33 PM
    • #2
    • 12th Aug 18, 6:33 PM
    First win - I've just upgraded my phone and taken 17 off my monthly bill.
    • PiggyBankShaker
    • By PiggyBankShaker 12th Aug 18, 8:14 PM
    • 861 Posts
    • 3,124 Thanks
    PiggyBankShaker
    • #3
    • 12th Aug 18, 8:14 PM
    • #3
    • 12th Aug 18, 8:14 PM
    Some initial suggestions on areas where we can cut back.

    Statement of Affairs and Personal Balance Sheet

    Household Information
    Number of adults in household........... 2
    Number of children in household......... 2
    Number of cars owned.................... 1

    Monthly Income Details
    Monthly income after tax................ 3271
    Partners monthly income after tax....... 0
    Benefits................................ 137.6
    Other income............................ 0
    Total monthly income.................... 3408.6

    Monthly Expense Details
    Mortgage................................ 438.6
    Council tax............................. 135
    Electricity............................. 35
    Gas..................................... 35
    Water rates............................. 43
    Mobile phone............................ 62 Possible savings
    TV Licence.............................. 12
    Internet Services....................... 24
    Groceries etc. ......................... 327 Possible savings
    Clothing................................ 34
    Petrol/diesel........................... 96 Possible savings
    Road tax................................ 2.5
    Car Insurance........................... 25
    Car maintenance (including MOT)......... 25
    Other child-related expenses............ 167
    Pet insurance/vet bills................. 60
    Buildings insurance..................... 10
    Contents insurance...................... 10
    Life assurance ......................... 32
    Presents (birthday, christmas etc)...... 60
    Entertainment........................... 194 Possible Savings
    Holiday................................. 180
    Cash spent.............................. 350 Need to keep spending diary
    Bank charges............................ 18 Is this account fees? Or actual charges?
    Scribophile............................. 14 Possible savings
    Counselling............................. 70 Possible savings
    Pension payment......................... 311.9
    Charitable giving....................... 62 Possible savings
    Gym memberships......................... 61 Possible savings
    Total monthly expenses.................. 2894


    Assets
    Cash.................................... 0
    House value (Gross)..................... 115000
    Shares and bonds........................ 0
    Car(s).................................. 7000
    Other assets............................ 0
    Total Assets............................ 122000


    Secured & HP Debts

    Mortgage...................... 56377
    Total secured & HP debts...... 56377

    Unsecured Debts

    Car loan.......................5083.7
    CC1...........................4685.9
    CC2....................2755.7
    Overdraft...................386
    Other debt................453
    IOUs...........................92
    CC3.....................1457.85
    Total unsecured debts..........14914.15

    Monthly Budget Summary
    Total monthly income.................... 3,408.6
    Expenses (including HP & secured debts). 2,914
    Available for debt repayments........... 494.6
    Monthly UNsecured debt repayments....... 568.08
    Amount short for making debt repayments. -53.48

    Personal Balance Sheet Summary
    Total assets (things you own)........... 122,000
    Total HP & Secured debt................. -56,377
    Total Unsecured debt.................... -14,914.15
    Net Assets.............................. 50,708.85
    Paying off debts so we can build a new life
    • AllThatStuffIsJustStuff
    • By AllThatStuffIsJustStuff 13th Aug 18, 7:15 AM
    • 98 Posts
    • 239 Thanks
    AllThatStuffIsJustStuff
    • #4
    • 13th Aug 18, 7:15 AM
    • #4
    • 13th Aug 18, 7:15 AM
    Saved another 23 a month already this morning by cancelling one of my gym memberships.
    • AllThatStuffIsJustStuff
    • By AllThatStuffIsJustStuff 13th Aug 18, 8:32 AM
    • 98 Posts
    • 239 Thanks
    AllThatStuffIsJustStuff
    • #5
    • 13th Aug 18, 8:32 AM
    • #5
    • 13th Aug 18, 8:32 AM
    My thoughts on potential savings here:

    Monthly Expense Details
    Mortgage................................ 438.6
    Council tax............................. 135
    Electricity............................. 35
    Gas..................................... 35
    Water rates............................. 43
    Mobile phone............................ 62 Made some already
    TV Licence.............................. 12
    Internet Services....................... 24
    Groceries etc. ......................... 327 Definitely can save here. Need to get back to doing more cooking. I had this at closer to 200 in the past
    Clothing................................ 34
    Petrol/diesel........................... 96 Sometimes we go further afield just beause, when we can do stuff closer to home. Can definitely be reduced
    Road tax................................ 2.5
    Car Insurance........................... 25
    Car maintenance (including MOT)......... 25
    Other child-related expenses............ 167 I don't want to reduce this.
    Pet insurance/vet bills................. 60
    Buildings insurance..................... 10
    Contents insurance...................... 10
    Life assurance ......................... 32
    Presents (birthday, christmas etc)...... 60
    Entertainment........................... 194 Definitely can reuce this. Watching more free TV/films. Less take aways as well - again, back to doing more home cooking
    Holiday................................. 180
    Cash spent.............................. 350 Need to get this down and track what it's being spent on
    Scribophile............................. 14 I don't want to cut this. It's a hobby we both enjoy and a small price for something that is good for the mind
    Counselling............................. 70 I consider this health spending and therefore essential
    Pension payment......................... 311.9 Don't want to reduce, but could in a real pinch
    Charitable giving....................... 62
    Gym memberships......................... 61 Cut down to 38 now. I want to keep this for now for personal reasons. Obviously it's healthy and that, but also, it's important psychologically for me that I don't just cut everything that is spent on me immediately by default.
    Total monthly expenses.................. 2894
    So in short, outgoings reduced by 40 a month so far. Probably could get it down by another 200 without too much pain, I think.
    • PiggyBankShaker
    • By PiggyBankShaker 13th Aug 18, 9:36 AM
    • 861 Posts
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    PiggyBankShaker
    • #6
    • 13th Aug 18, 9:36 AM
    • #6
    • 13th Aug 18, 9:36 AM
    Called Vodafone this morning and reduced bill by 6 a month. Every little helps!
    Paying off debts so we can build a new life
    • PiggyBankShaker
    • By PiggyBankShaker 14th Aug 18, 11:44 PM
    • 861 Posts
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    PiggyBankShaker
    • #7
    • 14th Aug 18, 11:44 PM
    • #7
    • 14th Aug 18, 11:44 PM
    Sold some stuff on eBay - 85 and counting. Still two days until the listings end so hopefully will get a bit more. Also have a few extra items to sell, including one that I hope will go for 125+. Must remember that I have 20 worth of books to send off as well.

    Had a tough couple of days. Had a painful row with my mother. DD is unwell. And... I tried to sort out an updated life insurance policy, only to be refused cover for an historic medical condition I did sort a single policy for ATSIJS but need to wait for my medical records to come through before I can reapply.

    In addition, I sorted out some admin pertaining to pensions (beneficiary's etc) and also decluttered a stack of out of date paperwork. ATSIJS applied for new EHIC cards for us all, so good work done there.

    Tomorrow we need to choose and buy some sleeping bags for our camping trip next week and I might take the car to KwikFt for a tyre 'check up'. Oh, and I almost forgot It's our wedding anniversary tomorrow, too.
    Paying off debts so we can build a new life
    • PiggyBankShaker
    • By PiggyBankShaker 27th Aug 18, 4:29 PM
    • 861 Posts
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    PiggyBankShaker
    • #8
    • 27th Aug 18, 4:29 PM
    • #8
    • 27th Aug 18, 4:29 PM
    Hello Diaryland!

    We went away for a week's camping trip to Germany - hence the silence on the diary. It was quite MSE but I *think* we might have overspent, I'll have to ask ATS to do a breakdown...

    We didn't buy new sleeping bags in the end, only a new air mattress, but that did cost 40...

    In other news, sold some more bits on eBay, also priced up books but haven't officially sold them yet. Still not listed the 125 item yet either. Must get around to this.

    The bad news is that our car is about to need a set of new tyres and something called the Toe Adjustment done. This needs doing in a main dealership so I can only imagine that it is going to be expensive. I called them for a price but no answer yet,

    ATS and I were planning a romantic weekend away on the 7th-9th Sept, but I don't honestly think we can afford it. I mentioned this to him yesterday but he just said a sort of 'hmm' noise and it didn't go any further. I will maybe try again tonight.

    ATS life insurance is now sorted out and I *think* I have a solution for mine, although I have to double check and action it. Also, need to call one of the pension providers as they sent a statement but the beneficiaries were not updated.

    I have made a small saving by cancelling one charity DD of 6.
    Paying off debts so we can build a new life
    • AllThatStuffIsJustStuff
    • By AllThatStuffIsJustStuff 28th Aug 18, 8:55 AM
    • 98 Posts
    • 239 Thanks
    AllThatStuffIsJustStuff
    • #9
    • 28th Aug 18, 8:55 AM
    • #9
    • 28th Aug 18, 8:55 AM
    Yes, we went on holiday! And a lovely holiday it was too. Barring one incident of me having a meltdown in a park in Luxembourg, it was also super chill.

    Money wise it came in at a grand total of 1,414.48 - which works out at 50.52 per person per night. This is on a par with our other European camping holidays (actually cheaper than France last year and was definitely better). And that included the indulgent expense of the trip to the Schueberfouer in Luxembourg, which despite my initial meltdown, I really enjoyed.

    So, where that leaves us is with a slightly elevated debt position. Here's how it stands now:

    Car loan.......................5083.7
    CC1...........................4,639.03
    CC2....................2755.7
    Overdraft...................386
    Other debt................453
    IOUs...........................92
    CC3.....................1858.96
    Total unsecured debts..........15,186.83

    This means our debt has increased 272.68 since we started this diary. This obviously isn't great, but is no way as bad as I was fearing as we spent throughout the holiday.

    I get paid at the end of the month so will be able to knock some off that and we should be in a better position than we started by the end of the week.

    Slightly on my mind is the indulgence of our next holiday is now exactly two months away, but I am really looking forward to that, and it should be cheaper (flights and accom already paid for and only 250 total!). We also really need to keep the breaks in to maintain some level of sanity.

    Upcoming expenditures:
    - Parking (and possibly overnight stay on way to airport) for October holiday.
    - Kid free weekend! (I know PBS is worried about what we can afford here, but we can/should do something as I don't think we've had a kid free weekend together since 2012!)
    • PiggyBankShaker
    • By PiggyBankShaker 28th Aug 18, 9:38 AM
    • 861 Posts
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    PiggyBankShaker
    Car loan.......................5083.7
    CC1...........................4,639.03
    CC2....................2755.7
    Overdraft...................386 Is this mine? If so, it is currently 260...ish
    Other debt................453
    IOUs...........................92
    CC3.....................1858.96
    Total unsecured debts..........15,186.83
    Also...

    Upcoming expenditures:
    - Parking (and possibly overnight stay on way to airport) for October holiday.
    - Kid free weekend! (I know PBS is worried about what we can afford here, but we can/should do something as I don't think we've had a kid free weekend together since 2012!)
    - Car stuff as mentioned in my above post
    Yes the holiday was great. And the next one should be even more awesommer and cheaper

    And OF COURSE we should go away for something when we have a child free weekend, all I'm saying is we should make it more MSE
    Paying off debts so we can build a new life
    • AllThatStuffIsJustStuff
    • By AllThatStuffIsJustStuff 2nd Sep 18, 11:22 AM
    • 98 Posts
    • 239 Thanks
    AllThatStuffIsJustStuff
    Car loan.......................4,652.35
    CC1..........................4,639.03
    CC2....................2,690.78
    Overdraft...................260
    Other debt................453
    IOUs...........................88
    CC3.....................1,706.72
    Total unsecured debts..........14,489.88

    This is 97.1% of the debt we had at the start of the diary. So a small move, but one in the right direction at least

    For September we've started an experiment to track our cash. I've got a money box and a notebook and put 250 cash in the box. We're going to use this to track our cash spending for the month, as there was a lot of uncategorized stuff in the original SOA. Just the act of observation will probably help keep it down as well.
    • PiggyBankShaker
    • By PiggyBankShaker 2nd Sep 18, 11:55 AM
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    • 3,124 Thanks
    PiggyBankShaker
    Car loan.......................4,652.35 - WAS 5,083.70 8.4% DECREASE
    CC1.............................4,639.03 - WAS 4,685.90 1% DECREASE
    CC2............................2,690.78 - WAS 2,755.7 2.4% DECREASE
    Overdraft.....................311.84 - WAS 386 19% DECREASE
    Other debt..................453 - SAME
    IOUs............................88 - WAS 92 4.3% DECREASE
    CC3.............................1,706.72 - WAS 1,457.85 17% INCREASE
    Total unsecured debts........14,489.88 WAS 14,914.15 2.8% DECREASE

    I reformatted ATS's financials to make it easier for me to visualise and keep track of.

    --

    I am strangely looking forward to the month of September and our renewed MSE mindset. I think ATS's idea of a cash box and a 'float' is a good one and should enable us to track exactly where our money is going. My personal goal for the month is to reduced my overdraft my 50% via selling stuff. ATS helped my list 2 items on ebay today and if they sell for the asking price, I will more than meet my goal. So fingers crossed.

    Decluttering is going well. I have a small pile of things destined for the charity shop and I also need to clean the backyard and do a run to the tip.

    Today ATS prepped some firewood. I am hoping that we can survive on our wood store for a while before we need to start using the heating. If we can make a bit more room in the garage, I will try and source some more free wood.

    No other news (that I can think of) We had a nice and cheap-ish day out yesterday. Just paid 3.30 for parking and maybe 10ish on food (ATS can give accurate figures)
    Last edited by PiggyBankShaker; 02-09-2018 at 3:28 PM.
    Paying off debts so we can build a new life
    • PiggyBankShaker
    • By PiggyBankShaker 10th Sep 18, 11:11 AM
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    PiggyBankShaker
    Monday has rolled around again. ATS and I had a lovely weekend away belatedly celebrating our tenth anniversary. On the one hand, I don't want to think about the money we spent because it was our first weekend away together in six years and reducing it to pounds and pence might take the shine off it a bit. On the other hand, we started a diary so as not to bury our heads in the sand anymore... Maybe I will let ATS decide, but with the disclaimer that whatever the cost, it was worth it to spend some time alone together.

    The eBay items we listed last weekend sold for 240 before fees But the buyers haven't paid or contacted yet It is not enough to pay off my overdraft, which has crept back up to 339 but is certainly very welcome. I still have 20 of books to sell and maybe I can dig out some other bits that might sell.

    I believe that ATS gets paid on Friday and will do the money hokey-cokey then. I hope our net position improves.
    Paying off debts so we can build a new life
    • Purplemumof2
    • By Purplemumof2 10th Sep 18, 11:18 AM
    • 6,448 Posts
    • 24,038 Thanks
    Purplemumof2
    Morning to you both and happy new shiny diary.

    Many congratulations on your wedding anniversary xx
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: 5960.00 BC: 349.99 Cap One: GONE Lloyds: 10,300.00
    OD 0/500 LC 0/1500 Washer 0/309.99
    POAMAYC 2018 #041 PD 7219.86/7000
    Savings for Christmas 314.24/400
    20p Savers 2018 2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
    • PiggyBankShaker
    • By PiggyBankShaker 10th Sep 18, 1:04 PM
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    PiggyBankShaker
    Morning to you both and happy new shiny diary.

    Many congratulations on your wedding anniversary xx
    Originally posted by Purplemumof2
    Dear Purplemomof2,

    Thank you for kind wishes! It's been a rollercoaster 10 years but we are looking forward to the next 10 next
    Paying off debts so we can build a new life
    • PiggyBankShaker
    • By PiggyBankShaker 12th Sep 18, 10:16 AM
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    PiggyBankShaker
    Small victory today. Our energy company is reducing our monthly DD by 9 per month.

    The cash box / spend recording is going well. I am almost looking forward to reckoning it at the end of the month so that we can have an accurate and up to date SOA. What a saddo :/
    Paying off debts so we can build a new life
    • PiggyBankShaker
    • By PiggyBankShaker 15th Sep 18, 12:48 PM
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    PiggyBankShaker
    Super quick check-in.

    ATS has still not been paid yet...

    The final eBay sale has been paid for and the balance of my overdraft is now -125.

    STILL need to sell the books!!!
    Paying off debts so we can build a new life
    • AllThatStuffIsJustStuff
    • By AllThatStuffIsJustStuff 20th Sep 18, 9:24 AM
    • 98 Posts
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    AllThatStuffIsJustStuff
    Got paid today, so here's where it all stands now.

    Debt position:

    Car loan.......................4,666.81
    CC1.............................4,592.64
    CC2............................2,560.92
    Overdraft.....................260
    Other debt..................453 - SAME
    IOUs............................81
    CC3.............................1,384.91
    Total unsecured debts........13,999.28 - about 6% down.

    Cash position:

    There's 280 in the cash box. I can put another 250 when I get paid again at the end of next week. That 530 needs to last till the mid October pay day. Ideally for everything. We need to think that anything that doesn't come out of the cashbox is a negative impact on the debt position. There is no other money in the bank/due to be paid before then that isn't assigned to essential bills.

    Extra spending:

    The anniversary weekend came in closer to 300 than the 200-250 than I had aimed for, but it was well worth it. We had a lovely time, and given that it was the first chance to spend the weekend alone together in six years, I doubt we'll be repeating it anytime soon.

    For the October holiday I've booked the airport hotel but not the parking, so that needs to be done.

    I also conceded to the weather and bought myself a pair of trousers (I've been in shorts since the last ones did back in the spring).

    Mid distance spending:

    - October holiday - parking and spending cash
    - DD birthday (also October)
    - Car fixes that PBS already flagged
    - December - house insurance
    - And then there's Christmas...

    To do:

    Post ebay stuff.

    I think that's it.
    • PiggyBankShaker
    • By PiggyBankShaker 20th Sep 18, 10:34 AM
    • 861 Posts
    • 3,124 Thanks
    PiggyBankShaker
    Car loan...........................4,666.81 WAS 5,083.70 8.4% DECREASE
    CC1.................................4,592.64 WAS 4,685.90 2% DECREASE
    CC2.................................2,560.92 WAS 2,755.70 7% DECREASE
    Overdraft.........................150 WAS 386 61% DECREASE
    Other debt.......................453 - SAME
    IOUs................................81 - WAS 92 4.3% DECREASE
    CC3.................................1,384.91 WAS 1,457.85 5% DECREASE
    Total unsecured debts.....13,889.28 - 6.9% DECREASE

    --

    The month's not over yet so we still have our day to day spending to add up (thanks to ATS's cash box system) but I feel that we have stopped haemorrhaging money. Don't get me wrong, we're still spending (I spent 55 at the hairdressers yesterday) but things are more under control.
    Last edited by PiggyBankShaker; 22-09-2018 at 11:28 AM. Reason: Add more info
    Paying off debts so we can build a new life
    • AllThatStuffIsJustStuff
    • By AllThatStuffIsJustStuff 28th Sep 18, 1:02 PM
    • 98 Posts
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    AllThatStuffIsJustStuff
    Pay day again (I get two a month).

    I've put the money in to the three accounts for all the bills for all of September. I then put 100 on CC3 (the one currently attracting interest). And at the end of that I have a grand total of 275 left.
    So I can put the 250 in the cashbox as per last post. The good new there is that there is still 142.37 in the cashbox from last week, so I do think it is helping to keep a lid on things.

    I'll be tallying up all the September spending on the weekend so we can really get a look at where everything is gone.

    Here's roughly where we'll be at debt-wise once the monies I've just shoved about the place go out to the various debt providers

    Car loan 4,235.46
    CC1 4,548.64
    CC2 2,640.14
    CC3 1,323.44
    IOUs 67.00
    Other debt 453.00
    Overdraft 180.00

    Total 13,447.68

    Which I reckon will put us about 9.8% down overall by the end of the month.

    When I get paid in the mid-month, the following needs to come from that:

    DD birthday (gifts and party - maybe 100-200, depending on what she wants to do)
    Holiday spending (Should be cheaper than recent holidays due to destination, maybe 700)
    250 cashbox

    Anything else can go on debt repayments (if the above is stuck to, then could be 500)

    Then at the end of October, I'll do the same as today, which will again mean all the bills paid, plus 100 on debt payments and 250 for the cash box.

    November there isn't any planned excess spending (I think), so if we don't go overboard on anything, we could get the CC3 credit card (intended for emergencies only) to nothing at mid Nov spending date. We can then tackle the overdraft, IOUs and 'Other debt' next.

    December will be Home insurance (~200), and of course, Christmas - which is a subject of current discussion.
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