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Thread for the Uber Frugals..... Complete an SOA and lets see how we compare...
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mbga9pgf
Posts: 3,224 Forumite
Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 2
Number of children in household......... 0
Number of cars owned.................... 2
Monthly Income Details
Monthly income after tax................ 2450
Partners monthly income after tax....... 1300
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 3750
Monthly Expense Details
Mortgage................................ 0
Secured loan repayments................. 0
Hire Purchase (HP) repayments........... 0
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax............................. 0
Electricity............................. 33
Gas..................................... 50
Oil..................................... 0
Water rates............................. 0
Telephone (land line)................... 9
Mobile phone............................ 25
TV Licence.............................. 13
Satellite/Cable TV...................... 0
Internet Services....................... 9
Groceries etc. ......................... 200
Clothing................................ 0
Petrol/diesel........................... 60
Road tax................................ 20
Car Insurance........................... 60
Car maintenance (including MOT)......... 33
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...................... 4
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 0
Entertainment........................... 0
Holiday................................. 42
Emergency fund.......................... 0
Total monthly expenses.................. 558
Assets
Cash.................................... 58000
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 7000
Other assets............................ 0
Total Assets............................ 65000
No Secured nor Hire Purchase Debts
Unsecured Debts
Description....................Debt......Monthly...APR
Total unsecured debts..........0.........0.........-
Monthly Budget Summary
Total monthly income.................... 3,750
Expenses (including HP & secured debts). 558
Available for debt repayments........... 3,192
Monthly UNsecured debt repayments....... 0
Amount left after debt repayments....... 3,192
Personal Balance Sheet Summary
Total assets (things you own)........... 65,000
Total HP & Secured debt................. -0
Total Unsecured debt.................... -0
Net Assets.............................. 65,000
Created using the SOA calculator at https://www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission.
Just interested to see if I can cut down any more...
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Comments
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Is this a brag thread then? Glad you can live off so little, I guess you are very lucky as in you have no debt, a small mortgage and a large income. Good luck to you. *mutter mutter*Debt free and plan on staying that way!!!!0
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Ditch the mobile?In an Acapulco hotel:
The manager has personally passed all the water served here.:rotfl:0 -
That's intense! :T
My outgoings (including OH) are on a monthly average ~£750 :eek: that puts me to shame.
It's set to increase too in 2 months time when the student loans company begin deducting :rolleyes:
I am quite frugal with the food shopping and spend £80-85 a month (so not too bad) ... I would suggest tightening the belt here but you seem quite wadded with £58K savings
Find a job you like and you add five days to every week0 -
Have to add, that doesnt include rent which comes out of my pay packet before I get paid (PAYE).
Realistically, we are looking more like 700 per month at the mo, as we have managed to spread out payments over the year, and dont have more than one single big payment per month. (Road tax, Insurance, gas bills etc) which helps.
My wife does call me a money Nazi though...
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So you don't use water, never go out, never have a hair cut and never buy birthday or christmas presents
Sorry but you don't really sound like a fun person.0 -
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Why would you want to cut down any more? You only have one life, live it.I'm a Forum Ambassador on the housing, mortgages & student money saving boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Forum Ambassadors are not moderators and don't read every post. If you spot an illegal or inappropriate post then please report it to forumteam@moneysavingexpert.com (it's not part of my role to deal with this). Any views are mine and not the official line of MoneySavingExpert.com.0
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looks like you live a very limited existence no outings or fun things to do, i wonder in years to come when your old if you actually say (and i have heard a lot of people say this) i wish i had done more in my life and had more fun. after all there are no pockets in a shroud!!!!self confessed 80's throwback:D
sealed pot challenge 2009 #488 (couldnt tell you how much so far as i cant open it to count it!!:mad: )0 -
Or he/she is like me and rarely buys them...my total spend on clothes for myself over the last 13 months is less than £10.We made it! All three boys have graduated, it's been hard work but it shows there is a possibility of a chance of normal (ish) life after a diagnosis (or two) of ASD. It's not been the easiest route but I am so glad I ignored everything and everyone and did my own therapies with them.
Eldests' EDS diagnosis 4.5.10, mine 13.1.11 eekk - now having fun and games as a wheelchair user.0
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