Cady's get out of debt diary

cady

GRRRRRRR so annoyed now just checked the joint account online and the DD for the water has bounced charging us £38 for the privlidge going to ring them and see if they can cancel the charge i doubt it as ive had it done before but its worth a try ............. im SOOOOO ANNOYED there was enough money in there so gonna have to go through and see what has gone wrong !!!! stress !!!!

cady

ok here it goes dont kick off about the sky lol

Statement of Affairs and Personal Balance Sheet

Monthly Income Details
Monthly income after tax................ 780
Partners monthly income after tax....... 950
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 1730

Monthly Expense Details
Mortgage................................ 661.42
Secured loan repayments................. 0
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax............................. 91
Electricity............................. 30
Gas..................................... 40
Oil..................................... 0
Water rates............................. 25.06
Telephone (land line)................... 10.5
Mobile phone............................ 50
TV Licence.............................. 12
Satellite/Cable TV...................... 55
Internet Services....................... 0
Groceries etc. ......................... 100
Clothing................................ 10
Petrol/diesel........................... 60
Road tax................................ 10
Car Insurance........................... 46.26
Car maintenance (including MOT)......... 10
Car parking............................. 0
Other travel............................ 50.1
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 10
Pet insurance/vet bills................. 10
Buildings insurance..................... 22.69
Contents insurance...................... 22.69
Life assurance ......................... 32.79
Other insurance......................... 9.02
Presents (birthday, christmas etc)...... 10
Haircuts................................ 0
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 1378.53

Assets
Cash.................................... 0
House value (Gross)..................... 94000
Shares and bonds........................ 0
Car(s).................................. 1000
Other assets............................ 0
Total Assets............................ 95000

Secured Debts
Description....................Debt......Monthly...APR
Mortgage...................... 105000...(661.42)...0
Total secured debts........... 105000....-.........-

Unsecured Debts
Description....................Debt......Monthly...APR
Halifax........................7485......159.2.....10.9
Egg............................699.98....15........19.9
overdraft......................600.......0.........0
Total unsecured debts..........8784.98...174.2.....-

Monthly Budget Summary
Total monthly income.................... 1,730
Expenses (including secured debts)....... 1,378.53
Available for debt repayments........... 351.47
Monthly UNsecured debt repayments....... 174.2
Surplus(deficit if negative)............ 177.27

Personal Balance Sheet Summary
Total assets (things you own)........... 95,000
Total Secured debt...................... -105,000
Total Unsecured debt.................... -8,784.98
Net Assets.............................. -18,784.98

Created using the SOA calculator at https://www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission.

cady

wow no one to look at my SOA???

Bargainfinder_3

lol, you scared them all off - either that or it's so good, they cant refine it any more!!
Hope the job interview goes well tomorrow, let us know!! xx

cady

I must have done lol thanks!!

neilD

Can you not reduce the Satellite costs to minimium package for at least a short time and use the savings on the egg card.

Just saw your note about SKY at the top, sorry. But what about just for a few month say re-activate as a Xmas pressie

Bargainfinder_3

I'm off home now, will pop back in tomorrow

cady

its in contract till nov but were hoping to reduce it when the contract runs out but we get the BB and calls free with it and it is our one luxury !!!

neilD

OK I see about Sky.

What about oneof the usual suggestions like trying to transfer the egg card balance to a 0% card. I'm afraid I don't know my way around that because I don't live in the UK anymore but it seams to be a pretty popular suggestion.

Good luck for the job interview as well

Bargainfinder_3

Hi Cady, good luck today!! x