SOA can you please take a look???

*****_19

Hi can you please take a look at my SOA and let me know what you think.

I live with my mum but she was made redundant in November, and suffers from depression and this has made her worst so i'm paying all the bills and I am stressed out big time with all this worry and debts, any thoughts comments will be apreciated.

Statement of Affairs and Personal Balance Sheet

Household Information
Number of adults in household........... 2
Number of children in household.........
Number of cars owned....................

Monthly Income Details
Monthly income after tax................ 1133
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 1133

Monthly Expense Details
Mortgage................................ 0
Secured loan repayments................. 0
Hire Purchase (HP) repayments........... 0
Rent.................................... 276
Management charge (leasehold property).. 0
Council tax............................. 100
Electricity............................. 50
Gas..................................... 70
Oil..................................... 0
Water rates............................. 30
Telephone (land line)................... 25
Mobile phone............................ 25
TV Licence.............................. 12
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 240
Clothing................................ 20
Petrol/diesel........................... 80
Road tax................................ 10
Car Insurance........................... 50
Car maintenance (including MOT)......... 20
Car parking............................. 10
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 18
Pet insurance/vet bills................. 10
Buildings insurance..................... 0
Contents insurance...................... 15
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 18
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 20
Total monthly expenses.................. 1099


Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 900
Other assets............................ 0
Total Assets............................ 900

No Secured nor Hire Purchase Debts

Unsecured Debts
Description....................Debt......Monthly...APR
(Unnamed debt).................30883.3...0.........0
(Unnamed debt).................2188.91...0.........0
(Unnamed debt).................448.73....0.........0
(Unnamed debt).................1062.86...0.........0
(Unnamed debt).................1955.67...0.........0
(Unnamed debt).................15.5......0.........0
Total unsecured debts..........36554.97..0.........-


Monthly Budget Summary
Total monthly income.................... 1,133
Expenses (including HP & secured debts). 1,099
Available for debt repayments........... 34
Monthly UNsecured debt repayments....... 0
Amount left after debt repayments....... 34

Personal Balance Sheet Summary
Total assets (things you own)........... 900
Total HP & Secured debt................. -0
Total Unsecured debt.................... -36,554.97
Net Assets.............................. -35,654.97

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


Thanks.

dalip

does your mum have any income or benefits?.