We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide
Going to Hull and back...HBFS's debt diary!
HBFS
Posts: 1,285 Forumite
I'd best do better with this one! No girl to distract me this time! 
Monthly Income Details
Monthly income after tax................ 1430
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 300 (Flatmate's half of rent, paid as £75p/w)
Total monthly income.................... 1730
Monthly Expense Details
Mortgage................................ 0
Secured loan repayments................. 0
Rent.................................... 650
Management charge (leasehold property).. 0
Council tax............................. 140
Electricity............................. 35
Gas..................................... 35
Oil..................................... 0
Water rates............................. 35
Telephone (land line)................... 0
Mobile phone............................ 30
TV Licence.............................. 11
Satellite/Cable TV...................... 0
Internet Services....................... 20
Groceries etc. ......................... 60
Clothing................................ 12
Petrol/diesel........................... 0
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 150
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)...... 20
Haircuts................................ 15
Entertainment........................... 150
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. £1213
Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 300
Car(s).................................. 250
Other assets............................ 0
Total Assets............................ 550
Secured Debts
Description....................Debt......Monthly.. .APR
0
Total secured debts........... ....-.........-
Unsecured Debts
Description....................Debt......Monthly.. .APR
Virgin CC.....................2670......100.......17.5
Barclayloan...................2400......118.88.......12.5
O2................................750........50............n/a
Total unsecured debts..........5820.....218.88.......-
Monthly Budget Summary
Total monthly income.................... 1,430
Expenses (including secured debts)....... 1,213
Available for debt repayments........... 217
Monthly UNsecured debt repayments....... 268
Surplus(deficit if negative)............ -49
Personal Balance Sheet Summary
Total assets (things you own)........... 550
Total Secured debt...................... 0
Total Unsecured debt.................... -5820
Net Assets.............................. -5270
The problem with this that the £75 I get per week is to get me into work if I change shifts or my lift is off or I go places.
Monthly Income Details
Monthly income after tax................ 1430
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 300 (Flatmate's half of rent, paid as £75p/w)
Total monthly income.................... 1730
Monthly Expense Details
Mortgage................................ 0
Secured loan repayments................. 0
Rent.................................... 650
Management charge (leasehold property).. 0
Council tax............................. 140
Electricity............................. 35
Gas..................................... 35
Oil..................................... 0
Water rates............................. 35
Telephone (land line)................... 0
Mobile phone............................ 30
TV Licence.............................. 11
Satellite/Cable TV...................... 0
Internet Services....................... 20
Groceries etc. ......................... 60
Clothing................................ 12
Petrol/diesel........................... 0
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 150
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)...... 20
Haircuts................................ 15
Entertainment........................... 150
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. £1213
Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 300
Car(s).................................. 250
Other assets............................ 0
Total Assets............................ 550
Secured Debts
Description....................Debt......Monthly.. .APR
0
Total secured debts........... ....-.........-
Unsecured Debts
Description....................Debt......Monthly.. .APR
Virgin CC.....................2670......100.......17.5
Barclayloan...................2400......118.88.......12.5
O2................................750........50............n/a
Total unsecured debts..........5820.....218.88.......-
Monthly Budget Summary
Total monthly income.................... 1,430
Expenses (including secured debts)....... 1,213
Available for debt repayments........... 217
Monthly UNsecured debt repayments....... 268
Surplus(deficit if negative)............ -49
Personal Balance Sheet Summary
Total assets (things you own)........... 550
Total Secured debt...................... 0
Total Unsecured debt.................... -5820
Net Assets.............................. -5270
The problem with this that the £75 I get per week is to get me into work if I change shifts or my lift is off or I go places.
Democracy is the theory that the common people know what they want, and deserve to get it good and hard.
0
Comments
-
Well done on posting SOA, i am no good at looking at them. I have been here a long time and still not posted mine. But one of the experts will be along to give you more advice hun very soon. xxxxxxxxxxxxxxxNight Owl Member No 1 :rotfl: :rotfl:
Night owl member of the threesome. Rules are for fools to follow and wise men to be guided by
No Man is worth your tears,
And the one who is wont make you cry !!!!!0 -
I'd best do better with this one! No girl to distract me this time!
Monthly Income Details
Monthly income after tax................ 1430
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 300 (Flatmate's half of rent, paid as £75p/w) but surely this only covers the rent, what about half the council tax, gas, electric and water
Total monthly income.................... 1730
Monthly Expense Details
Mortgage................................ 0
Secured loan repayments................. 0
Rent.................................... 650
Management charge (leasehold property).. 0
Council tax............................. 140
Electricity............................. 35
Gas..................................... 35
Oil..................................... 0
Water rates............................. 35
Telephone (land line)................... 0
Mobile phone............................ 30
TV Licence.............................. 11
Satellite/Cable TV...................... 0
Internet Services....................... 20
Groceries etc. ......................... 60
Clothing................................ 12
Petrol/diesel........................... 0
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 150
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)...... 20
Haircuts................................ 15
Entertainment........................... 150 this is more than your grocery budget. I think you need to stay in more or get more creative about how you socialise.
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. £1213 you appear to have a £500 surplus, do you know where this goes, it you don't then you need a spending diary to track your money
Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 300
Car(s).................................. 250
Other assets............................ 0
Total Assets............................ 550
Secured Debts
Description....................Debt......Monthly.. .APR
0
Total secured debts........... ....-.........-
Unsecured Debts
Description....................Debt......Monthly.. .APR
Virgin CC.....................2670......100.......17.5
Barclayloan...................2400......118.88.......12.5
O2................................750........50............n/a
Total unsecured debts..........5820.....218.88.......-
Monthly Budget Summary
Total monthly income.................... 1,430
Expenses (including secured debts)....... 1,213
Available for debt repayments........... 217
Monthly UNsecured debt repayments....... 268
Surplus(deficit if negative)............ -49
Personal Balance Sheet Summary
Total assets (things you own)........... 550
Total Secured debt...................... 0
Total Unsecured debt.................... -5820
Net Assets.............................. -5270
The problem with this that the £75 I get per week is to get me into work if I change shifts or my lift is off or I go places.
hope this is of some help
chevI want a job that is less than an hour driving away from my house! Are you listening universe?
0 -
hope this is of some help
chev
Unfortunately, the £500 goes into paying off bills and getting into work on various occasions when I cannot get a lift, as detailed below.
I agree the entertainment bill is rather high, however all my friends live in London, so it's for travel and such. Plus we go to watch a cricket game or something usually once a month. I tried giving it all up, but ended up going stir-crazy within four walls.
And my flatmate doesn't earn that much, so we have decided that she only pays rent, but cleans the flat as well.Democracy is the theory that the common people know what they want, and deserve to get it good and hard.0 -
Morning all. Today will be spending £1.67 on a salad at the work canteen. I will be taking apples in with me for snacks.Democracy is the theory that the common people know what they want, and deserve to get it good and hard.0
-
It was even cheaper in the end! £1.53! That and two apples got me through the day.
Was severely tempted to blow off work and go to the Oval for the last day of the Test with some friends, but decided against it!Democracy is the theory that the common people know what they want, and deserve to get it good and hard.0 -
Ooh - new avatar :T
Well done on the low-spend day!Successful women can still have their feet on the ground. They just wear better shoes. (Maud Van de Venne)Life begins at the end of your comfort zone (Neale Donald Walsch)0 -
Morning all! Just did a quick workout and s tarting work a little earlier this morning, so no time to go to Tescos to pick up stuff, so today should be an NSD, as one of my colleagues owes me lunch!Democracy is the theory that the common people know what they want, and deserve to get it good and hard.0
-
Today was indeed an NSD. Plus Southern Electric came round and fitted a pre-pay meter so we won't be tempted to leave lights on every second!
Spent a rainshower, stood outside, singing (very badly) at the top of my voice. Lovely!
Democracy is the theory that the common people know what they want, and deserve to get it good and hard.0 -
So I've majorly !!!!ed up.
My flatmate has discovered that a few months back, I didn't pay the bills and we had a visit today from British Gas. She's now moving out... I'm beyond annoyed with myself.Democracy is the theory that the common people know what they want, and deserve to get it good and hard.0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 354.1K Banking & Borrowing
- 254.3K Reduce Debt & Boost Income
- 455.3K Spending & Discounts
- 247.1K Work, Benefits & Business
- 603.7K Mortgages, Homes & Bills
- 178.3K Life & Family
- 261.2K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.7K Read-Only Boards