Money-Stupid Graduate Wants Her Money Back!

debrag

lenny_toucan wrote: »

Ok here goes. There's not a lot to it - I don't own a lot, I don't earn a lot and in the grand scheme of things, don't owe a lot. My main issue is that I have a habbit of spending 'til I can't spend no more.


Statement of Affairs and Personal Balance Sheet

Household Information
Number of adults in household........... 5
Number of children in household......... 0
Number of cars owned.................... 1

Monthly Income Details
Monthly income after tax................ 830
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 830

Monthly Expense Details
Mortgage................................ 0
Secured loan repayments................. 0
Hire Purchase (HP) repayments........... 0
Rent.................................... 380
Management charge (leasehold property).. 0
Council tax............................. 0
Electricity............................. 0
Gas..................................... 0
Oil..................................... 0
Water rates............................. 0
Telephone (land line)................... 0
Mobile phone............................ 40
TV Licence.............................. 0
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 120 - this can be cut, meal plan etc
Clothing................................ 50 - stop for a few months say 6 that gives you £300
Petrol/diesel........................... 35
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 0
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................................ 40 - do you go every month? cut back
Entertainment........................... 90 - reduce this
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 755


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

No Secured nor Hire Purchase Debts

Unsecured Debts
Description....................Debt......Monthly...APR
Interest Free OD...............1250......0.........0
Credit Card....................300.......6.........1.79
Total unsecured debts..........1550......6.........-


Monthly Budget Summary
Total monthly income.................... 830
Expenses (including HP & secured debts). 755
Available for debt repayments........... 75
Monthly UNsecured debt repayments....... 6
Amount left after debt repayments....... 69

Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -0
Total Unsecured debt.................... -1,550
Net Assets.............................. -1,550

Created using the SOA calculator at www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission, using Firefox browser.

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