My Soa

Godiva500

This is the first time I have done this so prob loads of misrtakes - would appreciate any help and advice. I have osteoarthritis so have a mobility problem, so need a car.

Thanks for looking

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................ 1024.39
Partners monthly income after tax....... 923.72
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 1948.11
Monthly Expense Details
Mortgage................................ 0
Secured loan repayments................. 0
Hire Purchase (HP) repayments........... 0
Rent.................................... 309.14
Management charge (leasehold property).. 0
Council tax............................. 147 - in arrears
Electricity............................. 55
Gas..................................... 55
Oil..................................... 0
Water rates............................. 28.45
Telephone (land line)................... 12 telephone calls on Internet bill
Mobile phone............................ 0
TV Licence.............................. 11.95
Satellite/Cable TV...................... 19.5
Internet Services....................... 30
Groceries etc. ......................... 450 Special diet - ceoliac + 2 cats
Clothing................................ 50
Petrol/diesel........................... 30
Road tax................................ 10
Car Insurance........................... 25
Car maintenance (including MOT)......... 30
Car parking............................. 10
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 20
Pet insurance/vet bills................. 19.46 - 2 cats
Buildings insurance..................... 0
Contents insurance...................... 0
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 20
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 0
Maintenance to ex wife.................. 400
Total monthly expenses.................. 1732.5

Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 750
Other assets............................ 0
Total Assets............................ 750

No Secured nor Hire Purchase Debts
Unsecured Debts
Description....................Debt......Monthly...APR
RBS CC.........................761.88....17........0
HSBC CC........................4772.82...121.......0
NAT WEST CC....................1908.45...43........0
HSBC Loan......................1584......158.4.....0
HSBC OD .......................1659......0.........0
HSBC OD........................2000......0.........0
IF Loan........................3277......245.6.....0
Total unsecured debts..........15963.15..585.......-

Monthly Budget Summary
Total monthly income.................... 1,948.11
Expenses (including HP & secured debts). 1,732.5
Available for debt repayments........... 215.61
Monthly UNsecured debt repayments....... 585
Amount short for making debt repayments. -369.39
Personal Balance Sheet Summary
Total assets (things you own)........... 750
Total HP & Secured debt................. -0
Total Unsecured debt.................... -15,963.15
Net Assets.............................. -15,213.15
Created using the SOA calculator at www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission.

silvadebtfree

Hi Godiva

I think most posts will tell you that the clothes allowance has to go (sad news for me also, I cant walk past new Look without going in!). Do you have a blue badge for your car? Is the parking money for a residential permit?

Godiva500

Oh well will have to go naked - not a pretty sight at my age lol.
No I do not have blue badge etc. I can walk but not very far and my doc says I need a hip replacement too, but that I should wait as long as poss cos they only last about 15 years. So I am just putting up with it. The parking money is going to town carparks, hospital car parks etc.

Caroline73_2

Even as a coeliac I think £450 is way too much for 2 people. Have you tried to cut that down? The old style board can help there loads.

Godiva500

Thanks caroline - yes we have although we could reduce it further. Our cats cost us £10 a week on cheapest food and litter...

Caroline73_2

My mum's cat eats better than anyone I know, apparently she demands to fed like that!!!

You can some coeliac foods on prescription can't you? Does that work out cheaper with a prepayment certificate?

Burlesque_Babe

ignore paulinleeds. Troll.........

Godiva500

Yes we get bread and pasta on prescription, but its the hidden costs that mount up - usually all the cheap food eg sausages, breadcrumbed stuff, beef
burgers etc have gluten in them, so we have to pay more. Most of the special offers are this type of food. It soon mounts up

Horace

Godiva - please ignore the troll. He never has anything constructive to say. Do not let his comments stop you from posting.

Horace

Godiva

Try going to a local butcher for your meat because he will be able to tell you wants in the burgers and sausages because he is most likely making them himself.

Godiva500

Don't worry Horace - I laughed - I have more important things to worry about ...