Rugbymum's SOA Diary

rugbymum

Arghhhh I really need help. Please comment away, but be gentle, I'm feeling a bit fragile after paying £591 garage bill.
This is for myself and three children, two of whom have frequent periods of illness & hospital visits. My finances are complicated so some of the amounts may seem odd. Any questions feel free to ask.
Monthly income after tax................ 0
Partners monthly income after tax....... 0
Benefits................................ 642.5
Other income............................ 299
Total monthly income.................... 941.5

Monthly Expense Details
Mortgage................................ 0
Secured loan repayments................. 0
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax............................. 0
Electricity............................. 65
Gas..................................... 7
Oil..................................... 0
Water rates............................. 40
Telephone (land line)................... 30
Mobile phone............................ 35
TV Licence.............................. 12
Satellite/Cable TV...................... 18
Internet Services....................... 0
Groceries etc. ......................... 303
Clothing................................ 10
Petrol/diesel........................... 87
Road tax................................ 16
Car Insurance........................... 33
Car maintenance (including MOT)......... 15
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 18
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 0
Life assurance ......................... 14
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 0
Entertainment........................... 19
Holiday................................. 0
Emergency fund.......................... 14
CCCS.................................... 44
Total monthly expenses.................. 780

Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 3500
Other assets............................ 0
Total Assets............................ 3500

No Secured Debt

Unsecured Debts
Description....................Debt......Monthly...APR
car finance....................2458.99...173.3.....16
nursery........................857.6.....22........0
dwp............................529.......0.........0
Total unsecured debts..........3845.59...195.3.....

Monthly Budget Summary
Total monthly income.................... 941.5
Expenses (including secured debts)....... 780
Available for debt repayments........... 161.5
Monthly UNsecured debt repayments....... 195.3
Surplus(deficit if negative)............ -33.8

Personal Balance Sheet Summary
Total assets (things you own)........... 3,500
Total Secured debt...................... -0
Total Unsecured debt.................... -3,845.59
Net Assets.............................. -345.59

Numpty_Monkey

rugbymum wrote: »

Arghhhh I really need help. Please comment away, but be gentle, I'm feeling a bit fragile after paying £591 garage bill.
This is for myself and three children, two of whom have frequent periods of illness & hospital visits. My finances are complicated so some of the amounts may seem odd. Any questions feel free to ask.
Monthly income after tax................ 0
Partners monthly income after tax....... 0
Benefits................................ 642.5
Other income............................ 299
Total monthly income.................... 941.5 are you getting all the beniffits you can?

Monthly Expense Details
Mortgage................................ 0
Secured loan repayments................. 0
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax............................. 0
Electricity............................. 65 is this the best deal for you?, if switching go through a cashback, also what about, daily clicks, online surveys,
Gas..................................... 7
Oil..................................... 0
Water rates............................. 40
Telephone (land line)................... 30, you could probably get this cheaper
Mobile phone............................ 35
TV Licence.............................. 12
Satellite/Cable TV...................... 18
Internet Services....................... 0
Groceries etc. ......................... 303, have a look on the OS(old style)board, meal planning, recipes, cupboard challange, loads of tips on there
Clothing................................ 10
Petrol/diesel........................... 87
Road tax................................ 16
Car Insurance........................... 33 same as elec,
Car maintenance (including MOT)......... 15
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 18
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 0
Life assurance ......................... 14
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 0
Entertainment........................... 19
Holiday................................. 0
Emergency fund.......................... 14
CCCS.................................... 44
Total monthly expenses.................. 780

Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 3500
Other assets............................ 0
Total Assets............................ 3500

No Secured Debt

Unsecured Debts
Description....................Debt......Monthly...APR
car finance....................2458.99...173.3.....16
nursery........................857.6.....22........0
dwp............................529.......0.........0
Total unsecured debts..........3845.59...195.3.....

Monthly Budget Summary
Total monthly income.................... 941.5
Expenses (including secured debts)....... 780
Available for debt repayments........... 161.5
Monthly UNsecured debt repayments....... 195.3
Surplus(deficit if negative)............ -33.8

Personal Balance Sheet Summary
Total assets (things you own)........... 3,500
Total Secured debt...................... -0
Total Unsecured debt.................... -3,845.59
Net Assets.............................. -345.59

I'll be as gentle as i can,:A i've left a few coments
Have you called one of the debt charities?
Non-profit Debt Counsellors' List

oops yes you have, the numpty strikes again:doh:
have one of these :grouphug:

And well done for posting your SOA:T

beanielou

We wouldent shout at you hun.

GingerSte

rugbymum wrote: »

Arghhhh I really need help. Please comment away, but be gentle, I'm feeling a bit fragile after paying £591 garage bill.
This is for myself and three children, two of whom have frequent periods of illness & hospital visits. My finances are complicated so some of the amounts may seem odd. Any questions feel free to ask.
Monthly income after tax................ 0
Partners monthly income after tax....... 0
Benefits................................ 642.5
Other income............................ 299
Total monthly income.................... 941.5

Monthly Expense Details
Mortgage................................ 0
Secured loan repayments................. 0
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax............................. 0
Electricity............................. 65 Is there any way you can lower this (turning things off when you don't need them, not using tumble drier etc)
Gas..................................... 7
Oil..................................... 0
Water rates............................. 40
Telephone (land line)................... 30
Mobile phone............................ 35 Can you reduce this by cutting back / using your land line?
TV Licence.............................. 12
Satellite/Cable TV...................... 18 You may need to drop this if you're in defecit every month. Could you get a freeview box instead or just cancel your subscription and use the free channels?
Internet Services....................... 0
Groceries etc. ......................... 303
Clothing................................ 10
Petrol/diesel........................... 87 (This may not be feasable in your situation but) would you be able to get a monthly buss pass and eliminate this - along with the maintenance, road tax and car insurance?
Road tax................................ 16 See above.
Car Insurance........................... 33 See above.
Car maintenance (including MOT)......... 15 See above.
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 18
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 0
Life assurance ......................... 14
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 0
Entertainment........................... 19
Holiday................................. 0
Emergency fund.......................... 14
CCCS.................................... 44
Total monthly expenses.................. 780

Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 3500
Other assets............................ 0
Total Assets............................ 3500

No Secured Debt

Unsecured Debts
Description....................Debt......Monthly...APR
car finance....................2458.99...173.3.....16
nursery........................857.6.....22........0
dwp............................529.......0.........0
Total unsecured debts..........3845.59...195.3.....

Monthly Budget Summary
Total monthly income.................... 941.5
Expenses (including secured debts)....... 780
Available for debt repayments........... 161.5
Monthly UNsecured debt repayments....... 195.3
Surplus(deficit if negative)............ -33.8

Personal Balance Sheet Summary
Total assets (things you own)........... 3,500
Total Secured debt...................... -0
Total Unsecured debt.................... -3,845.59
Net Assets.............................. -345.59

My comments in red.

rugbymum

Electricity: I'm on a pre-payment meter & company won't take it out. I have switched suppliers though & since DS no1 moved out it has HALVED!
Mobile phone: is slowly going down, but it does include broadband.
Car: I live in a rural area, few buses and difficult when ferrying kids to hospital appointments. Some are in Norwich 110 mile round trip. Insurance won't go down any more (i tried), i had a prang two yaers ago & speeding fine this year.
landline: this too is going down, just switched call plan. So it will be 17 from december & using mobile during day.
I can't claim any other benefits. I get "too much maintainence".

GeorgeUK

Hi rugbymum, well done for posting.

No rent or mortgage?
No council tax?
Can you get a package deal for phone, internet and satellite?
Groceries - can you move down a brand (shops own), have a look at the old style board for meal plan ideas.
The interest on that loan is really not good. Have you tried getting a loan from a credit union or somewhere to get a better rate?
DWP? Is this the DMP that the CCCS payment is going towards?

What is it you were worried we'd be shouting about? I can't see anything there that we would be getting worked up about - unless you forgot to mention the other house you have in Barbados?

rugbymum

GeorgeUK wrote: »

Hi rugbymum, well done for posting.

No rent or mortgage?
No council tax?
Can you get a package deal for phone, internet and satellite?
Groceries - can you move down a brand (shops own), have a look at the old style board for meal plan ideas.
The interest on that loan is really not good. Have you tried getting a loan from a credit union or somewhere to get a better rate?
DWP? Is this the DMP that the CCCS payment is going towards?

What is it you were worried we'd be shouting about? I can't see anything there that we would be getting worked up about - unless you forgot to mention the other house you have in Barbados?

Am on full HB & CT benefits.
I'm tied into mobile & broadband for another 6 months, I think, am in process of checking that out.
Already shop mainly @ Lidl but often have to buy special diet foods for kids that GP [EMAIL="WON@T"]WON'T[/EMAIL] prescribe. Had to fight for some of their meds was told no more!
DWP: had loan from benefits agency a few years ago. I'm not paying anything @ mo cos they are being nice:D
I have asked GP for house in Barbados but he says no.
I don't know where its all going George

barnaby-bear

rugbymum wrote: »

Am on full HB & CT benefits.
I'm tied into mobile & broadband for another 6 months, I think, am in process of checking that out.
Already shop mainly @ Lidl but often have to buy special diet foods for kids that GP WON'T prescribe. Had to fight for some of their meds was told no more!
DWP: had loan from benefits agency a few years ago. I'm not paying anything @ mo cos they are being nice:D
I have asked GP for house in Barbados but he says no.
I don't know where its all going George

Are you Thetford, Bury or Brandon way? Try changing GP, post on the benefits/invalidity boards regarding help with hospital transport if your kids need that much petrol/transport it should be a mobility issue as basic benefits assume you won't be going anywhere.

insider66

Can you talk to the maintenance payer?

rugbymum

insider66 wrote: »

Can you talk to the maintenance payer?

HAHAHAHAHAHA!:rotfl: :rotfl: :rotfl: :rotfl: :rotfl:

rugbymum

Sorry didn't mean to be rude.