I hope I can sleep tonight! Thanks everyone for advice!

fluffthecat

Please find below my SOA. In my earlier msgs on the forum, I state that my income just about pays for my essential bills and mortgage payments. Some months can be better and I may have up to £200 extra cash. My credit card debt is crippling me, I feel so stupid to let it happen again..Third time now and this time it looks even more serious. I really worry that I may have to sell my flat this time. I will try next week to find a lodger, I could make an extra £350-400. I will also try to find a weekend job. I think I can save money by cancelling my PPI insurance on two cards. MBNA and Capital One. Not sure how easy that is though? Thanks for you kind help and attention.
Fluff.

Statement of Affairs and Personal Balance Sheet

Monthly Income Details
Monthly income after tax................ 1254
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 120
Total monthly income.................... 1374

Monthly Expense Details
Mortgage................................ 531
Secured loan repayments................. 400
Rent.................................... 0
Management charge (leasehold property).. 99
Council tax............................. 47
Electricity............................. 28
Gas..................................... 0
Oil..................................... 0
Water rates............................. 28
Telephone (land line)................... 16
Mobile phone............................ 10
TV Licence.............................. 0
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 100
Clothing................................ 0
Petrol/diesel........................... 0
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 52
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)...... 0
Haircuts................................ 0
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 1311

Assets
Cash.................................... 800
House value (Gross)..................... 190000
Shares and bonds........................ 0
Car(s).................................. 0
Other assets............................ 1000
Total Assets............................ 191800

Secured Debts
Description....................Debt......Monthly.. .APR
Mortgage...................... 65000....(531)......6.5
Secured Debt.................. 30000....(400)......6.9
Total secured debts........... 95000.....-.........-

Unsecured Debts
Description....................Debt......Monthly.. .APR
MBNA...........................8125......226...... .18
BARCLAYCARD PLATINUM...........4669......116.......15.9
SAINSBURY CARD.................3738......84........21.95
BARCLAYCARD....................3586......80....... .19.9
CAPITAL ONE....................2006......60........24
FIRST DIRECT GOLD..............2444......74........18.9
BARCLAYCARD GOLD...............2551......57........22.9
HALIFAX GOLD...................2771......67........26.93
HALIFAX ONE....................2983......55........22.95
Total unsecured debts..........32873.....819.......-

Monthly Budget Summary
Total monthly income.................... 1,374
Expenses (including secured debts)....... 1,311
Available for debt repayments........... 63
Monthly UNsecured debt repayments....... 819
Surplus(deficit if negative)............ -756

Personal Balance Sheet Summary
Total assets (things you own)........... 191,800
Total Secured debt...................... -95,000
Total Unsecured debt.................... -32,873
Net Assets.............................. 63,927

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