University Challenge x 2

Thanks Scott - we didn't go to BG for the boiler. The guy who came to do the annual service said don't go to the biggies go to Trust A Trader which we did and got a lovely company. It is a Worcester we paid £3500 all in with no extra costs. They were hard workers and clean and tidy. I would certainly do the trust a trader for anything else and not be ripped off.

I will look into Iresa though for the supply.

Statement of Affairs and Personal Balance Sheet

Household Information
Number of adults in household........... 4
Number of children in household.........
Number of cars owned.................... 3

Monthly Income Details
Monthly income after tax................ 2082
Partners monthly income after tax....... 2615
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 4697

Monthly Expense Details
Mortgage................................ 1169
Secured/HP loan repayments.............. 1172
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax............................. 162
Electricity............................. 63.49
Gas..................................... 63.48
Oil..................................... 0
Water rates............................. 83
Telephone (land line)................... 11
Mobile phone............................ 187
TV Licence.............................. 12.12
Satellite/Cable TV...................... 40
Internet Services....................... 7.95
Groceries etc. ......................... 500
Clothing................................ 100
Petrol/diesel........................... 100
Road tax................................ 5.83
Car Insurance........................... 209.4
Car maintenance (including MOT)......... 9.4
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 400
Medical (prescriptions, dentist etc).... 10.4
Pet insurance/vet bills................. 94.28
Buildings insurance..................... 40.17
Contents insurance...................... 0
Life assurance ......................... 59.55
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 85
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 350
Day to Day spends all 4 of us........... 180
Gym..................................... 29.5
Window Cleaning......................... 10
Dog Grooming............................ 15
Netflix................................. 8.99
Bank Charge............................. 24
Total monthly expenses.................. 5202.56


Assets
Cash.................................... 0
House value (Gross)..................... 250000
Shares and bonds........................ 0
Car(s).................................. 11000
Other assets............................ 0
Total Assets............................ 261000


Secured & HP Debts
Description....................Debt......Monthly...APR
Mortgage...................... 161000...(1169).....0
Secured Debt.................. 42445.7..(1172).....0
Total secured & HP debts...... 203445.7..-.........-

Unsecured Debts
Description....................Debt......Monthly...APR
Virgin.........................783.......100.......17.48
MBNA...........................5739......100.......0
MBNA...........................1861......25........0
Optima Boiler..................2560......105.......0
First Direct...................2670......112.......0
First Direct...................4018......251.......0
Sainsburys.....................2459......50........0
Barclaycard....................14148.....350.......0
Halifax........................5368......56........0
Aqua...........................2839......100.......29.6
Total unsecured debts..........42445.....1249......-


Monthly Budget Summary
Total monthly income.................... 4,697
Expenses (including HP & secured debts). 5,202.56
Available for debt repayments........... -505.56
Monthly UNsecured debt repayments....... 1,249
Amount short for making debt repayments. -1,754.56

Personal Balance Sheet Summary
Total assets (things you own)........... 261,000
Total HP & Secured debt................. -203,445.7
Total Unsecured debt.................... -42,445
Net Assets.............................. 15,109.3

Created using the SOA calculator at https://www.stoozing.com.
Reproduced on Moneysavingexpert with permission, using other browser.
OK so this is scaring me - please tell me I have made a major mistake on this SOA!! Apart from spending too much obviously. That bottom line figure cannot be right :eek::eek::(

Statement of Affairs and Personal Balance Sheet

Household Information
Number of adults in household........... 4
Number of children in household.........
Number of cars owned.................... 3

Monthly Income Details
Monthly income after tax................ 2082
Partners monthly income after tax....... 2615
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 4697

Monthly Expense Details
Mortgage................................ 1169
Secured/HP loan repayments.............. 0
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax............................. 162
Electricity............................. 63.49
Gas..................................... 63.48
Oil..................................... 0
Water rates............................. 83
Telephone (land line)................... 11
Mobile phone............................ 187
TV Licence.............................. 12.12
Satellite/Cable TV...................... 40
Internet Services....................... 7.95
Groceries etc. ......................... 500
Clothing................................ 100
Petrol/diesel........................... 100
Road tax................................ 5.83
Car Insurance........................... 209.4
Car maintenance (including MOT)......... 9.4
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 400
Medical (prescriptions, dentist etc).... 10.4
Pet insurance/vet bills................. 94.28
Buildings insurance..................... 40.17
Contents insurance...................... 0
Life assurance ......................... 59.55
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 85
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 350
Day to Day spends all 4 of us........... 180
Gym..................................... 29.5
Window Cleaning......................... 10
Dog Grooming............................ 15
Netflix................................. 8.99
Bank Charge............................. 24
Total monthly expenses.................. 4030.56


Assets
Cash.................................... 0
House value (Gross)..................... 250000
Shares and bonds........................ 0
Car(s).................................. 11000
Other assets............................ 0
Total Assets............................ 261000


Secured & HP Debts
Description....................Debt......Monthly...APR
Mortgage...................... 161000...(1169).....0
Total secured & HP debts...... 161000....-.........-

Unsecured Debts
Description....................Debt......Monthly...APR
Virgin.........................783.......100.......17.48
MBNA...........................5739......100.......0
MBNA...........................1861......25........0
Optima Boiler..................2560......105.......0
First Direct...................2670......112.......0
First Direct...................4018......251.......0
Sainsburys.....................2459......50........0
Barclaycard....................14148.....350.......0
Halifax........................5368......56........0
Aqua...........................2839......100.......29.6
Total unsecured debts..........42445.....1249......-


Monthly Budget Summary
Total monthly income.................... 4,697
Expenses (including HP & secured debts). 4,030.56
Available for debt repayments........... 666.44
Monthly UNsecured debt repayments....... 1,249
Amount short for making debt repayments. -582.56

Personal Balance Sheet Summary
Total assets (things you own)........... 261,000
Total HP & Secured debt................. -161,000
Total Unsecured debt.................... -42,445
Net Assets.............................. 57,555

Created using the SOA calculator at https://www.stoozing.com.
Reproduced on Moneysavingexpert with permission, using other browser.

Right that's better - I think I added the debts on twice.

Any help would be gratefully received if you read my initial post though you will see what is happening at the moment.

x

Hi Shoes

Thanks for your reply.

We've been thinking about the cars and we're not sure what to do. Realistically I don't think we can get rid of one as her Uni is only 50 mins away and her boyfriend lives away so they will meet half way at weekends. The other one is an option but she will want it when she comes home. I'm wondering if we can sorn it while she is away or if it is a more permanent thing.

Mobile phones are the bane of my life. I stupidly renewed their contracts in December so have to wait another 16 months until we are out of it unless anyone knows of another way?

I have had words and basically they need to find jobs in their respective towns and pay their mobile bills and money towards the insurance on their cars and food. There is no other option and they know it.

So to do list achievements so far today:

Bake a cake with DD - Done Chocolate yummy!
Clean and de-clutter our bedroom - about a quarter done under estimated this one big time
Put more stuff on FB or eBay to sell - Done - another 8 items
Get filing cabinet ready for chap to pick up - Not done DD will do that as he's not coming until tomorrow
Loads of washing - Done but more to do
Walk doggos - Not done yet

Can't believe it's Sunday already, back to the rat race tomorrow. But only 3 days as off at the end of the week for A level results.