please help! cant cope anymore!

homealone_2

Enter your income detailsAmount (£) Monthly Income (after tax) Partner's Monthly Income Benefits Other Income (e.g. maintenance payments)
Enter your monthly expenditureAmount (£) Mortgage Repayment Secured Loan Repayments Rent Management Charge (e.g. on leasehold property) Council Tax Electricity Gas Oil Water Rates Telephone (land line) Mobile Phone TV Licence Satellite/Cable TV Internet Services Groceries etc. Clothing Petrol/Diesel Road Tax (car) Car Insurance (including breakdown cover) Car Maintenance (including MOT) Car Parking Other Travel Childcare/Nursery Other child related expenses Medical (prescriptions, dentists, opticians etc.) Pet Insurance/Vet bills Building Insurance Contents Insurance Life Assurance Other Insurance Presents (birthday, christmas etc.) Haircuts Entertainment Holiday Household Emergency Fund (e.g. for repairs)
Enter Debts that are SECURED on your homeEnter the amount borrowed here, but the monthly payments in the Expenses table above.
Debt description </SPAN>Debt (£) </SPAN>Monthly payment (£) </SPAN>Annual Rate (%) </SPAN>Mortgage: enter loan amount ==> Secured debt: enter total loan ==>
Enter your UNsecured Debts e.g. credit cardsDebt description </SPAN>Debt (£) </SPAN>Min Pay (£) </SPAN>Annual Rate (%) </SPAN>

Enter the value of your assetsAsset Value (£) Cash House value (gross) Shares & bonds Car(s) Other assets (e.g. endowments, jewellery)
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* You have included petrol but have missed other car related expenses.
* You appear to own a car but have not added it as an asset.

Summary of Monthly Income, expense and surplus
Total monthly income: £
Expenses (incl. secured debts): £
Available for debt repayments: £
Unsecured debt repayments: £ Surplus £

Personal Balance Sheet Summary
Assets: £
Secured Debt £
Unsecured Debt £ Net Assets £



cant believe these figures myself, keep thinking must have missed something drastic but i cant see what. i know i pay £100 a month for son driving lesson as he at college training to be mechanic but that classed as luxury but with even that taken out looks like on paper that i am doing really well. maybe i should just start paying bills as normal and see how i get on. perhaps i did not realise how much the benefits were adding up to once they had starting arriving. maybe as inland revenue not on my back for moment but am sure they will once they see this new budget. but maybe i should contact the other creditors and find out if perhaps i could get a consolidated loan or longer to pay at a slightly higher interest rate. i feel a complete fraud even being on here compared to others SOA i am truly sorry to have wasted peoples time. i wish you all well and thank you for your support, you truly are a great group of people and hope the regulars who answered me dont feel too much like i have wasted their time

wallopadonkey

home alone dont be silly!
wouldnt be the same without u x x
the figures have not shown up on your post so try it again if you do not have the money it isnt there simple as that
ammend the bits we said to either by removing you payment from the benefit or showing it as a negative remove your sons dla and let us look at it again
one more thing are the incomings right at 962
and the other income after tax is that right too?

come on hunny !

startagain_2

wallopadonkey wrote: »

home alone dont be silly!
wouldnt be the same without u x x
the figures have not shown up on your post so try it again if you do not have the money it isnt there simple as that
ammend the bits we said to either by removing you payment from the benefit or showing it as a negative remove your sons dla and let us lok at it again

come on hunny !

The figures were there before, wad - I think homealone may have deleted them.

SA

homealone_2

oh i am sorry whole thing went wrong, when it came to end but i pressed the mse thing but nothing happened and when i tried to save it all figures were blanks. it took me ages to do that. will do what i can to find original figures

startagain_2

homealone wrote: »

oh i am sorry whole thing went wrong, when it came to end but i pressed the mse thing but nothing happened and when i tried to save it all figures were blanks. it took me ages to do that. will do what i can to find original figures

That's strange homealone - they were there when I logged on earlier - I wonder what happened?

SA

homealone_2

startagain wrote: »

The figures were there before, wad - I think homealone may have deleted them.

SA

i dont remember deleting them, where could they be hiding i did press save data but nothing there either, not sure if it even worth repeating as it makes me look like rockerfeller

wallopadonkey

oh ok thought it was a cut and paste error sorry
surely if she cant make ends meet the money cannot be there i know we get a shock when it is on paper but.......

RAS

Hi

If you go back to your previous post and hit the edit button, you can add the figures here, although it will not do all the calculations for you.

Or try the SOA calculator again.

thefuzzyone

homealone wrote: »

if i go along with CCCS figure can i contact them and say have looked at their suggestion of using my £322 in a DMP and have decided i would rather go bankrupt could they turn me down or get stropey

HA,
They can't turn you down. You don't need to go back to them for permission to go BR. Just do it yourself.

homealone_2

Monthly income after tax

386.24

Partners monthly income

0

Benefits

1628

Other income

Total monthly income

2032.24

Expenses

Amount(£)

Mortgage

0

Secured loan payments

0

Rent housing benefit £517.83

557.83

Management charge (leasehold property)

Council tax tax benefit £104

104

Electricity

79.00

Gas

42.00

Oil

0

Water Rates

28.00

Telephone (land line)

28.00

Mobile phone

35.00

TV Licence

12.00

Satellite/Cable TV

am putting nil as not allowed but pay £58

Internet services

Groceries etc.

350.00

Clothing

30

Petrol/diesel

mobility pay for car

Road tax

0

Car Insurance

0

Car maintenenance (including MOT)

0

Car Parking

0

Other travel

diabled taxi hospital, doc etc 12.00

Childcare/nursery

0

Other child related expenses

tax exempt cert

Medical (prescriptions, dentists, opticians etc.)

Pet Insurance/Vet bills

0

Buildings Insurance

0

Contents Insurance

30.00

Life Assurance

37.00

Other Insurance

Presents (birthday, christmas etc.)

Haircuts

20

Entertainment

0

Holiday

30.00

Emergency Fund

0

(Unnamed monthly expense)

0

sky repair

mag subscription

0

creditors


rent 365.40
halifax 8557.42
lloyds credit card 5663.45
marks and spencers 400.00
inland revenue 16,000
catalogue 221.00




hope i have done this ok, dont think i have missed anything but like i was saying on post where figures were missing i seem to be doing well on paper and guess i should just knuckel down and get on with it