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  • FIRST POST
    • fay66
    • By fay66 25th Nov 17, 5:28 PM
    • 681Posts
    • 1,678Thanks
    fay66
    Over the hill and drowning
    • #1
    • 25th Nov 17, 5:28 PM
    Over the hill and drowning 25th Nov 17 at 5:28 PM
    [tt]Statement of Affairs and Personal Balance Sheet

    Household Information

    Number of adults in household........... 1
    Number of children in household......... 0
    Number of cars owned.................... 0 1 car pip hp

    Monthly Income Details

    Monthly income after tax................ 1456
    Partners monthly income after tax....... 0
    Benefits................................ 374
    Other income............................ 0
    Total monthly income.................... 1830


    Monthly Expense Details

    Mortgage................................ 0
    Secured/HP loan repayments.............. 0
    Rent.................................... 450
    Management charge (leasehold property).. 0
    Council tax............................. 156 includes 60 debt paid jan 18
    Electricity............................. 28
    Gas..................................... 28
    Oil..................................... 0
    Water rates............................. 25
    Telephone (land line)................... 0
    Mobile phone............................ 88, ee mobile and pad contract ends jan 19
    TV Licence.............................. 12
    Satellite/Cable TV...................... 58
    Internet Services....................... 0
    Groceries etc. ......................... 200 includes dogs cats
    Clothing................................ 50
    Petrol/diesel........................... 120 miles 250 ew
    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).... 10
    Pet insurance/vet bills................. 25
    Buildings insurance..................... 0
    Contents insurance...................... 20
    Life assurance ......................... 0
    Other insurance......................... 0
    Presents (birthday, christmas etc)...... 50
    Haircuts................................ 30
    Entertainment........................... 60
    Holiday................................. 30
    Emergency fund.......................... 50
    Total monthly expenses.................. 1490



    Assets

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


    No Secured nor Hire Purchase Debts


    Unsecured Debts
    Description....................Debt......Monthly.. .APR
    capital one....................200.......10........34.9
    aqua...........................500.......48....... .34.9
    ocean..........................1000......27....... .34.94
    118 118 loan...................2788......145.......71.3
    studio.........................100.......0........ .0
    fashion world..................200.......0.........0
    littlewoods....................450.......20....... .0
    very...........................300.......17....... .0
    marbles........................4500......189...... .34.9
    Total unsecured debts..........10038.....456.......-



    Monthly Budget Summary

    Total monthly income.................... 1,830
    Expenses (including HP & secured debts). 1,490
    Available for debt repayments........... 340
    Monthly UNsecured debt repayments....... 456
    Amount short for making debt repayments. -116


    Personal Balance Sheet Summary
    Total assets (things you own)........... 0
    Total HP & Secured debt................. -0
    Total Unsecured debt.................... -10,038
    Net Assets.............................. -10,038


    [/tt]
    Last edited by fay66; 25-11-2017 at 6:07 PM.
    Inland revenue £4500=
    Loan £2610
    Pay day loans - 135+600+300+300
    Credit card 1 - 5186
    CC2 -1038
    CC3 - 548 cc4 234
Page 4
    • fay66
    • By fay66 13th Dec 17, 6:05 PM
    • 681 Posts
    • 1,678 Thanks
    fay66
    DD
    Iceland spend £15, dog biscuits,, cheese small xmas bits
    day off today annual leave
    put xmas stuff up
    need to wrap presents
    Inland revenue £4500=
    Loan £2610
    Pay day loans - 135+600+300+300
    Credit card 1 - 5186
    CC2 -1038
    CC3 - 548 cc4 234
    • fay66
    • By fay66 17th Dec 17, 6:49 PM
    • 681 Posts
    • 1,678 Thanks
    fay66
    after an eventful week at work
    not looking forward to no pay for sick pay
    naughty and bought an amazon echo sorry but needed this
    £56 at aldi this weekend, including gingerbread house for dd, fig and camembert cheese for boxing day, pet food, and other grocery bits
    went to a lovely brass band at the theatre £8 was paid last month and included a mulled wine, mince pie.
    Inland revenue £4500=
    Loan £2610
    Pay day loans - 135+600+300+300
    Credit card 1 - 5186
    CC2 -1038
    CC3 - 548 cc4 234
    • beanielou
    • By beanielou 17th Dec 17, 8:13 PM
    • 49,570 Posts
    • 186,683 Thanks
    beanielou
    Why do you need an Amazon Echo?
    You are the second person talking about them today.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding***
    • fay66
    • By fay66 17th Dec 17, 8:34 PM
    • 681 Posts
    • 1,678 Thanks
    fay66
    Its the in thing beanie, can chat for free with others so could reduce plan next year , its a wireless thing . Im just having this treat for xmas. and got it for a bargain£52.99
    Inland revenue £4500=
    Loan £2610
    Pay day loans - 135+600+300+300
    Credit card 1 - 5186
    CC2 -1038
    CC3 - 548 cc4 234
    • beanielou
    • By beanielou 17th Dec 17, 8:49 PM
    • 49,570 Posts
    • 186,683 Thanks
    beanielou
    Its the in thing beanie, can chat for free with others so could reduce plan next year , its a wireless thing . Im just having this treat for xmas. and got it for a bargain£52.99
    Originally posted by fay66
    Interesting.
    Someone told me theirs was a hundred quid
    Ot was that Alisha or whatever it is called?
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding***
    • fay66
    • By fay66 17th Dec 17, 9:15 PM
    • 681 Posts
    • 1,678 Thanks
    fay66
    first order with very , i just went for the echo, because im in a non smart light bulb house theres a few different models, my kitchen is tiny so could probably then bin the cd . stereo you can stream music free and radio x
    Inland revenue £4500=
    Loan £2610
    Pay day loans - 135+600+300+300
    Credit card 1 - 5186
    CC2 -1038
    CC3 - 548 cc4 234
    • 117pauline
    • By 117pauline 31st Dec 17, 11:21 PM
    • 526 Posts
    • 6,250 Thanks
    117pauline
    Happy New Year

    May all your hopes and dreams come true in 2018

    Take care
    Pauline

    Thank you for popping in on my thread, your support is so appreciated
    Don't get it perfect - Get it going
    Better Than Before
    • fay66
    • By fay66 12th Jan 18, 10:08 PM
    • 681 Posts
    • 1,678 Thanks
    fay66
    Well Im still battling on here, tripped over my laptop on xmas eve and smashed the screen good luck had it i hadnt cancelled my £8 warranty,
    because its touch screen, all seems to be working alot better, but was a 2 week delay I need to write to the plan to see if I can get a good will gesture.
    Inland revenue £4500=
    Loan £2610
    Pay day loans - 135+600+300+300
    Credit card 1 - 5186
    CC2 -1038
    CC3 - 548 cc4 234
    • 117pauline
    • By 117pauline 13th Jan 18, 9:14 AM
    • 526 Posts
    • 6,250 Thanks
    117pauline
    Hi fay66

    It's amazing how reliant we are on modern technology, isn't it? I love my tablet and I am still struggling to leave it downstairs at night. I can understand how people get addicted to them.

    Have a good weekend
    Pauline
    Don't get it perfect - Get it going
    Better Than Before
    • fay66
    • By fay66 13th Jan 18, 1:47 PM
    • 681 Posts
    • 1,678 Thanks
    fay66
    mine is a amazon echo
    Interesting.
    Someone told me theirs was a hundred quid
    Ot was that Alisha or whatever it is called?
    Originally posted by beanielou
    also before you set off for work let you know the traffic , set a reminder for events alarm clock play radio, recipes I absolutely love it best geek pressie
    Inland revenue £4500=
    Loan £2610
    Pay day loans - 135+600+300+300
    Credit card 1 - 5186
    CC2 -1038
    CC3 - 548 cc4 234
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