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  • FIRST POST
    • sourcrates
    • By sourcrates 2nd Oct 17, 11:26 AM
    • 12,174Posts
    • 11,637Thanks
    sourcrates
    Temporary SOA Calculator
    • #1
    • 2nd Oct 17, 11:26 AM
    Temporary SOA Calculator 2nd Oct 17 at 11:26 AM
    Here are the basic categories, you will have to add up the totals yourselves for the time being, then copy and paste into your thread :

    Statement of Affairs and Personal Balance Sheet

    Household Information

    Number of adults in household........... 0
    Number of children in household......... 0
    Number of cars owned.................... 0

    Monthly Income Details

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


    Monthly Expense Details

    Mortgage................................0
    Secured/HP loan repayments..............0
    Rent.................................... 0
    Management charge (leasehold property).. 0
    Council tax.............................
    Electricity............................. 0
    Gas.....................................0
    Oil..................................... 0
    Water rates............................. 0
    Telephone (land line)................... 0
    Mobile phone............................ 0
    TV License.............................. 0
    Satellite/Cable TV...................... 0
    Internet Services.......................0
    Groceries etc. ......................... 0
    Clothing................................ 0
    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...................... 0
    Life assurance ......................... 0
    Other insurance......................... 0
    Presents (birthday, Christmas etc)...... 0
    Haircuts................................ 0
    Entertainment........................... 0
    Holiday................................. 0
    Emergency fund.......................... 0
    Professional subscriptions.............. 0
    Total monthly expenses.................. 0



    Assets

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



    Secured & HP Debts

    Description....................Debt......Monthly.. .APR
    Mortgage...................... 0...............0.............0
    Total secured & HP debts...... 0


    Unsecured Debts
    Description....................Debt......Monthly.. .APR
    ................0...........0............0
    Total unsecured debts.................0



    Monthly Budget Summary

    Total monthly income....................0
    Expenses (including HP & secured debts). 0
    Available for debt repayments...........0
    Monthly Unsecured debt repayments.......0
    Amount short for making debt repayments. 0


    Personal Balance Sheet Summary
    Total assets (things you own)...........0
    Total HP & Secured debt.................0
    Total Unsecured debt....................0
    Net Assets..............................0
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. I'm a volunteer to help the boards run smoothly, and I can move and merge posts there, and delete spam.
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Legal advice see : http://legalbeagles.info/
Page 1
    • StopIt
    • By StopIt 2nd Oct 17, 12:04 PM
    • 1,079 Posts
    • 953 Thanks
    StopIt
    • #2
    • 2nd Oct 17, 12:04 PM
    • #2
    • 2nd Oct 17, 12:04 PM
    Here are the basic categories, you will have to add up the totals yourselves for the time being, then copy and paste into your thread :

    Statement of Affairs and Personal Balance Sheet

    Household Information

    Number of adults in household........... 0
    Number of children in household......... 0
    Number of cars owned.................... 0

    Monthly Income Details

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


    Monthly Expense Details

    Mortgage................................0
    Secured/HP loan repayments..............0
    Rent.................................... 0
    Management charge (leasehold property).. 0
    Council tax.............................
    Electricity............................. 0
    Gas.....................................0
    Oil..................................... 0
    Water rates............................. 0
    Telephone (land line)................... 0
    Mobile phone............................ 0
    TV License.............................. 0
    Satellite/Cable TV...................... 0
    Internet Services.......................0
    Groceries etc. ......................... 0
    Clothing................................ 0
    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...................... 0
    Life assurance ......................... 0
    Other insurance......................... 0
    Presents (birthday, Christmas etc)...... 0
    Haircuts................................ 0
    Entertainment........................... 0
    Holiday................................. 0
    Emergency fund.......................... 0
    Professional subscriptions.............. 0
    Total monthly expenses.................. 0



    Assets

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



    Secured & HP Debts

    Description....................Debt......Monthly.. .APR
    Mortgage...................... 0...............0.............0
    Total secured & HP debts...... 0


    Unsecured Debts
    Description....................Debt......Monthly.. .APR
    ................0...........0............0
    Total unsecured debts.................0



    Monthly Budget Summary

    Total monthly income....................0
    Expenses (including HP & secured debts). 0
    Available for debt repayments...........0
    Monthly Unsecured debt repayments.......0
    Amount short for making debt repayments. 0


    Personal Balance Sheet Summary
    Total assets (things you own)...........0
    Total HP & Secured debt.................0
    Total Unsecured debt....................0
    Net Assets..............................0
    Originally posted by sourcrates

    I have made an Excel, with totalisers etc that can be used if anyone at MSE wants to host it for members?
    • StopIt
    • By StopIt 2nd Oct 17, 2:37 PM
    • 1,079 Posts
    • 953 Thanks
    StopIt
    • #3
    • 2nd Oct 17, 2:37 PM
    • #3
    • 2nd Oct 17, 2:37 PM
    I have asked MSE Andrea for permission to post this, so here goes


    https://docs.google.com/spreadsheets/d/1bvWRryUWCuYaJDapYV8Q5PXNAwnFLTSeMTUcQF6cSnI/edit?usp=sharing


    It can be edited by anyone, so please, if you use it live online, please 0 all of the figures before leaving it in case it autosaves.


    Otherwise, if you copy the spreadsheet to Excel or another spreadsheet editor in full, it should keep the formatting. It can work with data as you go, so the totalizers will update so it will automatically let you know total income, outgoings, debt payments and assets and liabilities.
    • sile001
    • By sile001 2nd Oct 17, 10:56 PM
    • 89 Posts
    • 82 Thanks
    sile001
    • #4
    • 2nd Oct 17, 10:56 PM
    • #4
    • 2nd Oct 17, 10:56 PM
    Bumping this for anyone who needs it. Thanks sourcrates and StopIt for compiling it
    Debt-Free as of 12th September 2017

    £12,000 > £0

    • datlex
    • By datlex 2nd Oct 17, 11:01 PM
    • 1,355 Posts
    • 1,139 Thanks
    datlex
    • #5
    • 2nd Oct 17, 11:01 PM
    • #5
    • 2nd Oct 17, 11:01 PM
    Well done for putting this together. I think it is a good idea to review your finances even once debt free. One limitation I find is that it only looks at monthly spends and incomes. Quite often our finances are weekly even if we get paid monthly. Though I appreciate it may be more complex to use.
    • StopIt
    • By StopIt 3rd Oct 17, 9:13 AM
    • 1,079 Posts
    • 953 Thanks
    StopIt
    • #6
    • 3rd Oct 17, 9:13 AM
    • #6
    • 3rd Oct 17, 9:13 AM
    Well done for putting this together. I think it is a good idea to review your finances even once debt free. One limitation I find is that it only looks at monthly spends and incomes. Quite often our finances are weekly even if we get paid monthly. Though I appreciate it may be more complex to use.
    Originally posted by datlex

    While the Stoozing site seems to be back up, the same limitations apply there too.


    However, for weekly payments, multiply by 52, then divide by 4 and you'll put it to a monthly equivalent.


    When budgeting, most direct debits are monthly, same with rent and mortgage payments, so it's best to budget around the outgoings, rather than the incomings where possible.
    • sourcrates
    • By sourcrates 5th Oct 17, 10:39 AM
    • 12,174 Posts
    • 11,637 Thanks
    sourcrates
    • #7
    • 5th Oct 17, 10:39 AM
    • #7
    • 5th Oct 17, 10:39 AM
    I believe normal service has been resumed. (Wipes brow) !!!
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. I'm a volunteer to help the boards run smoothly, and I can move and merge posts there, and delete spam.
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Legal advice see : http://legalbeagles.info/
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