My new SOA

skylight

Queen wrote: »

Statement of Affairs and Personal Balance Sheet

Monthly Income Details
Monthly income after tax................ 1250
Partners monthly income after tax....... 360
Benefits................................ 267
Other income............................ 0
Total monthly income.................... 1877

Monthly Expense Details
Mortgage................................ 00
Secured loan repayments................. 00
Rent.................................... 800
Management charge (leasehold property).. 0
Council tax............................. 144 Would possibly be lower on a property. See your local council websites
Electricity............................. 60 - cos no arrears. Change Supplier!
Gas..................................... 67
Oil..................................... 0
Water rates............................. 38
Telephone (land line)................... 15 You could still change this to an all inclusive BT, all weekend and daytime/evening landline calls £15
Mobile phone............................ 35 PAYG
TV Licence.............................. 11
Satellite/Cable TV...................... 00 Could still go freeview and the debt inc BR. But either way, the OR will not accept this as an allowable expense in BR
Internet Services....................... 10 still get this cheaper.
Groceries etc. ......................... 300 Still needs to be a spot lower
Clothing................................ 50
Petrol/diesel........................... 80
Road tax................................ 17
Car Insurance........................... 53
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 45
Medical (prescriptions, dentist etc).... 10
Pet insurance/vet bills................. 30
Buildings insurance..................... 35
Contents insurance...................... 0
Life assurance ......................... 55
Other insurance......................... 0
Presents (birthday, christmas etc)...... 20
Haircuts................................ 20
Entertainment........................... 50
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 2344 2274 Much more acceptable

Now, I know that this still is not perfect, but its a huge difference with a rental than the mortgage and secured loan.

Just needed to be done to balance the other one I did.

dalip

Now i understand and i think TF and SKY have it covered so good luck on what you decide.D

tigerfeet2006

Queen can I ask if you have a car why do your children go to school in a taxi?

skylight

tigerfeet2006 wrote: »

Ring Sky and ask about there Sky Talk Surf package. I am sure they will transfer you and put you on the lower packages without worrying that you are in a 12 months contract.

My last Sky bill was £60 and that was for my Sky, telephone and Internet and we have made lots of calls as my MIL is ill at the moment. Before I transfered my last telephone bill was £75 :eek: so a big saving for me

We do this - pay about £53 (usual month) and have international calls free as well. Which is less than we were paying BT and AOL and get free TV (in effect) and the kids can phone Granddad in Spain whenever they like! Very good speed broadband that we pay for, but you can have the basic TV, phone and broadband for £27.

Queen

Hi, I don't drive so my sons goes in taxi but whenmy oh is back at work hopefully tomorrow then he needs to be at work for 7.30 so therefore not able to take my son to school, whilst he is off he is taking him but oviously using alot more in petrol and some days not able to drive, at the moment we are walking to try and save some money but won't be able to do this throughout the winter it takes a good 40 mins to walk

Queen

Just checked SOA I havn't included taxi in this as my OH is still off work but when goes back his income will be more and will need to include both taxi fare and petrol

tigerfeet2006

Queen I walk with my 6 year old, 3 year old and baby to school everyday and back and it takes us anything up to an hour to get there. It is a bit quicker coming back, if I push it I can do it 1/2 an hour.

MollyBear

When things get 'bad' what we have to ask ourselves and answer honestly is do we really need it or can we do without?

We didn't think we could do without skyplus lol but we manage on 5 channels now, or without our 'own' house, but we do just fine. We didnt think we could manage with a normal 5 seater car instead of a 7 seater (7 of us) but we do, we just find new and creative ways to do things now lol.

skylight

MollyBear wrote: »

. We didnt think we could manage with a normal 5 seater car instead of a 7 seater (7 of us) but we do, we just find new and creative ways to do things now lol.

HOW!!! HOW!!! please, tell me how!!

I can just about manage with 4 kids in a 5 seater (although one is a lapbelt and I hate it). When baby comes it will be superglued to the roof or laid in the boot......

And OH works shifts, so is only off one weekend in 3... so I have to have them all....