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  • FIRST POST
    • Wonky_Teacup
    • By Wonky_Teacup 23rd Dec 18, 12:59 PM
    • 35Posts
    • 216Thanks
    Wonky_Teacup
    Slowly but surely, rushing gets us nowhere
    • #1
    • 23rd Dec 18, 12:59 PM
    Slowly but surely, rushing gets us nowhere 23rd Dec 18 at 12:59 PM
    Statement of Affairs and Personal Balance Sheet (Updated 24/12)

    Household Information
    Number of adults in household........... 2
    Number of children in household......... 0
    Number of cars owned.................... 0

    Monthly Income Details

    Monthly income after tax................ 0
    Partners monthly income after tax....... 1641
    Benefits................................ 0
    Other income............................ 0
    Total monthly income.................... 1641

    Monthly Expense Details
    Mortgage................................ 0
    Secured/HP loan repayments.............. 0
    Rent.................................... 350
    Management charge (leasehold property).. 0
    Council tax............................. 95
    Electricity............................. 13
    Gas..................................... 13
    Oil..................................... 0
    Water rates............................. 0
    Telephone (land line)................... 0
    Mobile phone............................ 90
    TV Licence.............................. 15
    Satellite/Cable TV...................... 0
    Internet Services....................... 38
    Groceries etc. ......................... 251
    Clothing................................ 5
    Petrol/diesel........................... 0
    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).... 0
    Pet insurance/vet bills................. 0
    Buildings insurance..................... 0
    Contents insurance...................... 17
    Life assurance ......................... 0
    Other insurance......................... 0
    Presents (birthday, christmas etc)...... 5
    Haircuts................................ 0
    Entertainment........................... 73
    Holiday................................. 0
    Emergency fund.......................... 60
    Total monthly expenses.................. 1025

    Assets
    Cash.................................... 40
    House value (Gross)..................... 0
    Shares and bonds........................ 0
    Car(s).................................. 0
    Other assets............................ 60
    Total Assets............................ 100


    No Secured nor Hire Purchase Debts

    Unsecured Debts
    Description....................Debt......Monthly.. .APR
    O/D............................1200......100.......0
    Loan...........................12000.....231...... .12
    Sofa...........................1056......22....... .0
    Total unsecured debts..........14256.....353.......-


    Monthly Budget Summary
    Total monthly income.................... 1,641
    Expenses (including HP & secured debts). 1,025
    Available for debt repayments........... 634
    Monthly UNsecured debt repayments....... 353
    Amount left after debt repayments....... 263

    Personal Balance Sheet Summary
    Total assets (things you own)........... 100
    Total HP & Secured debt................. -0
    Total Unsecured debt.................... -14,256

    Net Assets.............................. -14,156


    Last edited by Wonky_Teacup; 25-12-2018 at 12:46 PM.
    Yearly Saving Pot Goals: P1: 1.50/500 - P2: 30/240 - P3: 30/240
Page 2
    • Aaleigha
    • By Aaleigha 28th Dec 18, 8:55 PM
    • 552 Posts
    • 3,501 Thanks
    Aaleigha
    oh my crafts are totally different
    I spin and dye yarn - weave with it
    make art yarn

    then I also do patchwork rather than the very formal style I use less rulers and more improve can wait to unpack it all at the other end - but once we move I think my main hobby will be unpacking
    SEALED POT CHALLENGE # 100
    pot 1 (unknown starting amount) 14 Pot 2 8.50
    total 22.50
    EMERGENCY FUND
    40/1000 plus some in my bank 138 total 178/1000
    DECLUTTER. 183/2019
    • Wonky_Teacup
    • By Wonky_Teacup 29th Dec 18, 2:09 PM
    • 35 Posts
    • 216 Thanks
    Wonky_Teacup
    20cogs update - now just waiting on the last 3 moving from pending, 155 confirmed but I'm keeping an eye on the available tasks/offers to see if I can up the overall total in the mean time.


    Hoping to crack on with some knitting once the sofa is here and the living room no longer looks like carnage.

    _______________________



    Aaleigha, that sounds gorgeous. There was a lady at our local christmas fair who did spinning, could have watched it for hours - the process was fascinating. Hope the unpacking goes quickly and smooth.
    Last edited by Wonky_Teacup; 29-12-2018 at 2:12 PM.
    Yearly Saving Pot Goals: P1: 1.50/500 - P2: 30/240 - P3: 30/240
    • Wonky_Teacup
    • By Wonky_Teacup 3rd Jan 19, 4:47 PM
    • 35 Posts
    • 216 Thanks
    Wonky_Teacup
    So, today went well.
    A treat of a new work hoodie for OH since his was looking a bit baggy - got in sale for 15, doesn't fit and the leggings for me (fleece lined, 10) had a massive hole in them. Back to the shop they go. That money had been accounted for in this month's budget so it'll be nice to be able to add it to next month or on to the O/D.
    Also cashed out 192 from 20cogs, which is going straight into paying off the O/D.
    Prolific and TopCashBack are coming along nicely for some spare change for Christmas next year (that's my goal for them) - anything I make from selling crafts (not gonna take it too serious, it always ends up with me in a bad mental health place when I do) is gonna go into the O/D.


    Fingers crossed OH's work come through at his review - he's up for promotion and potential pay rise but upper management are notoriously cheap.
    Yearly Saving Pot Goals: P1: 1.50/500 - P2: 30/240 - P3: 30/240
    • Wonky_Teacup
    • By Wonky_Teacup 5th Jan 19, 10:40 PM
    • 35 Posts
    • 216 Thanks
    Wonky_Teacup
    We've a couple of months of big purchases (crowns for him, though we're gonna try and spread them out as well as new glasses for me as I've been putting it off for a year - Specsavers may not be the cheapest but I trust them with my iffy fitting/eye issues so worth the money in my eyes) so have set up a D/D for the C/C (0% for 20 months, far longer than it'll take to pay these things off) 50 a month, and 50 a month into the three savings accounts. We should have 100 extra a month, which we'll use to pay the card faster. Card and O/D should be clear by July at the latest.


    Next week is stock creating week and learning some new skills - so that should help bring in some more dosh. While I'm sure there's 101 extra things we could be doing or that others could do better - we're feeling pretty good and in control for once. It feels like we have an easy plan, instead of a plan where we need to be basically perfect to pull it off.
    Yearly Saving Pot Goals: P1: 1.50/500 - P2: 30/240 - P3: 30/240
    • pollyanna 26
    • By pollyanna 26 5th Jan 19, 11:45 PM
    • 2,571 Posts
    • 24,198 Thanks
    pollyanna 26
    I don't usually post on this forum WonkyTeapot but your username caught my eye tonight . I'm sorry the MR didn't go well .I seem to remember you were working on that late August.


    I understand if you didn't go to appeal at that point as is a big step when you're not feeling too good .


    Now you have a plan it will make you feel you have control now which must make you feel less anxious . I'm sending positive vibes for your husbands review and I still light my calming Lavender candles !


    Good luck for the year ahead . I actually typed your name earlier on the OS thread . As we slowly creep out of semi hibernation as per usual over there you were one of the friends I was thinking of .


    Best wishes to you both and your mum .


    polly x
    • Wonky_Teacup
    • By Wonky_Teacup 10th Jan 19, 5:11 PM
    • 35 Posts
    • 216 Thanks
    Wonky_Teacup
    Polly - I considered appeal, but opting against it was the start of finding a fantastic balance in my life as well as allowing me to focus on being a support for mum while she got her own sorted. Resources from the OS thread (actually, think it may have been you) were invaluable!
    Wishing you all the best in the year ahead, the positive vibes and luck are greatly appreciated.
    Yearly Saving Pot Goals: P1: 1.50/500 - P2: 30/240 - P3: 30/240
    • Wonky_Teacup
    • By Wonky_Teacup 10th Jan 19, 5:24 PM
    • 35 Posts
    • 216 Thanks
    Wonky_Teacup
    Spreadsheet updated for earnings, savings and debt pay down. It's great to see all those little survey etc earnings adding up and being able to see their effect on debt. It's making it easier to see it as a process rather than something instant.
    Will we be perfect every month? No. Will we get there? Yes. Every day is a fresh start, just cause we bought takeaway last night (example) doesn't mean the month is a loss - cause today was a no spend day, so that's a success, lets aim for the same tomorrow.

    I've also gotten around to posting my wedding dress online in an effort to shift it - it's taking up space and a little dosh for it isn't to be sniffed at either.

    While we haven't made much progress with extra earnings (I'm ticking along with Prolific almost exclusively for now - not done much with regards to knitting up stock to sell) - we're in the middle of a massive de-clutter which is helping to work in tandem with no spend.
    Yearly Saving Pot Goals: P1: 1.50/500 - P2: 30/240 - P3: 30/240
    • Wonky_Teacup
    • By Wonky_Teacup 13th Jan 19, 11:15 PM
    • 35 Posts
    • 216 Thanks
    Wonky_Teacup
    Another fiver waiting to be pulled out of Prolific. Finally listed wedding dress on eBay. Not exactly a no spend day as my xbox controller finally died (it's been dying randomly for a bit but I didn't want to invest in a new one - lots of spot fixes done) so a new one is coming this week.


    We're planning ahead for once the smaller debt payments are done with, which would mean at least by start of next year we'd be in a position to continue saving 50 per account/150 a month plus doubling our loan repayments to save a chunk on interest. Daft as it may sound, genuinely excited for that point.
    Yearly Saving Pot Goals: P1: 1.50/500 - P2: 30/240 - P3: 30/240
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