New Home New Start

DebtBgone_2

OK SO HI, IVE just moved house so my bills are estimates at the moment but here is my new diary new start.

i have two aims
1)reduce and get rid of the debt
2)lose my baby weight along the way

please feel free to comment on the stuff im looking at changing our lives!

Statement of Affairs and Personal Balance Sheet

Household Information
Number of adults in household........... 2
Number of children in household......... 1
Number of cars owned....................

Monthly Income Details
Monthly income after tax................ 0
Partners monthly income after tax....... 1200
Benefits................................ 320
Other income............................ 0
Total monthly income.................... 1520

Monthly Expense Details
Mortgage................................ 0
Secured loan repayments................. 0
Hire Purchase (HP) repayments........... 0
Rent.................................... 450
Management charge (leasehold property).. 0
Council tax............................. 100
Electricity............................. 50
Gas..................................... 0
Oil..................................... 0
Water rates............................. 50
Telephone (land line)................... 10
Mobile phone............................ 70
TV Licence.............................. 10
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 200
Clothing................................ 0
Petrol/diesel........................... 0
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 60
Childcare/nursery....................... 0
Other child related expenses............ 100
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.................. 1100


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
OD LLOYDS......................3750......15........10
OD-BARCLAYS....................2500......5.........0
OD-NATWEST.....................2000......0.........0
DAD............................10000.....0.........0
CC-HALIFAX.....................2550......25........15
CC-EGG.........................1000......60........0
CC-HSBC........................1450......37........18
CC-BARCLAYCARD-OH..............958.......30........14
CC-BARCLAYCARD.................3450......77........5
CC-NATWEST.....................240.......5.........7
OD-NATWEST-OH..................2200......0.........19
Total unsecured debts..........30098.....254.......-


Monthly Budget Summary
Total monthly income.................... 1,520
Expenses (including HP & secured debts). 1,100
Available for debt repayments........... 420
Monthly UNsecured debt repayments....... 254
Amount left after debt repayments....... 166

Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -0
Total Unsecured debt.................... -30,098
Net Assets.............................. -30,098

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

DebtBgone_2

i guess i should take up some challenges, the payment a day sound good?
i have an aim to lose 4 stone too, im aiming doing that stone by stone otherwise al never achieve it.
i also like the idea of saver £2
id be greatful to here from anyone trying o do both

fallenwiccan

people better than me will come along but ouch, can you move to cheaper mobile contracts, I know three do deals where you can get free three to three minutes so this would help lower it my mam only pays £15 a month for hers and she got a new phone, decent minutes and texts

DebtBgone_2

we are on contracts im going to see if i can change mine but my hubbys really is on a great deal he pays bout 40 after tax and he uses all his minutes with work and he talks to me for free!

fallenwiccan

if he uses it for work do they not pay the bill for him? just seems odd if he needs one for work purposes that he has to pay out of his own pocket, could he not look into that?