14th & 15th March ****Weekend Chat****

sammy115

hypno06 wrote: »

Just loading the car sammy - will ring when I am closer so you can put the kettle on :rotfl:

bring jaffa's yeah!:T

fermi

sammy115 wrote: »

My OH would NOT see the funny side of that ever! He takes his football far too seriously...i on the other hand would find it hilarious......

I can't stand football, so maybe I can't relate?

But it is only a game................ **** runs and hides ****

hypno06

sammy115 wrote: »

bring jaffa's yeah!:T

hell yeah!!

Bunnyinthelights

Lenny,
You can give me hug but remember...I have an orange belt in jujitsu....

Bunnyinthelights

Do you know, Beetroots ROCK

icecube2009

sammy115 wrote: »

You could do with going on a DMP then really icecube, although would be good to go and discuss with the inlaws as they may be able to help.

he has left, he is going to visit a friend first & see in laws later this afternoon. So even if they can lend us £20k you would still recommend a DMP?

icecube2009

icecube2009 wrote: »

he has left, he is going to visit a friend first & see in laws later this afternoon. So even if they can lend us £20k you would still recommend a DMP?

am trying to do a SOA in the calculator, but it wont calculate it for me, just gets stuck then I loose everything I have inputted!

spud30

Bunnyinthelights wrote: »

Do you know, Beetroots ROCK

I lurrve beetroot :T








And pink wee :rotfl: :rotfl:

icecube2009

icecube2009 wrote: »

am trying to do a SOA in the calculator, but it wont calculate it for me, just gets stuck then I loose everything I have inputted!

ok done it, its a bit different to th one on CCCS as it says we have £310 available for debt repayment, the one on CCCs allowed a little more for groceries & clothes etc not sure what else

Statement of Affairs and Personal Balance Sheet

Household Information
Number of adults in household........... 3
Number of children in household......... 2
Number of cars owned.................... 1

Monthly Income Details
Monthly income after tax................ 700
Partners monthly income after tax....... 1350
Benefits................................ 0
Other income............................ 130
Total monthly income.................... 2180

Monthly Expense Details
Mortgage................................ 732
Secured loan repayments................. 160
Hire Purchase (HP) repayments........... 44
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax............................. 122
Electricity............................. 30
Gas..................................... 35
Oil..................................... 0
Water rates............................. 32
Telephone (land line)................... 0
Mobile phone............................ 45
TV Licence.............................. 12
Satellite/Cable TV...................... 30
Internet Services....................... 0
Groceries etc. ......................... 300
Clothing................................ 40
Petrol/diesel........................... 50
Road tax................................ 10
Car Insurance........................... 32
Car maintenance (including MOT)......... 10
Car parking............................. 50
Other travel............................ 20
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 14
Pet insurance/vet bills................. 7
Buildings insurance..................... 15
Contents insurance...................... 15
Life assurance ......................... 30
Other insurance......................... 15
Presents (birthday, christmas etc)...... 10
Haircuts................................ 0
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 10
Total monthly expenses.................. 1870


Assets
Cash.................................... 0
House value (Gross)..................... 190000
Shares and bonds........................ 0
Car(s).................................. 5000
Other assets............................ 0
Total Assets............................ 195000


Secured & HP Debts
Description....................Debt......Monthly...APR
Mortgage...................... 166000...(732)......0
Secured Debt.................. 7000.....(160)......0
Hire Purchase (HP) debt ...... 800......(44).......0
Total secured & HP debts...... 173800....-.........-

Unsecured Debts
Description....................Debt......Monthly...APR
lloyds card me.................10000.....200.......0
lloyds card dh.................10000.....200.......0
egg loan me....................5000......110.......0
other card dh..................2000......40........0
loan dh........................1000......200.......0
egg card me....................5000......100.......0
Total unsecured debts..........33000.....850.......-


Monthly Budget Summary
Total monthly income.................... 2,180
Expenses (including HP & secured debts). 1,870
Available for debt repayments........... 310
Monthly UNsecured debt repayments....... 850
Amount short for making debt repayments. -540

Personal Balance Sheet Summary
Total assets (things you own)........... 195,000
Total HP & Secured debt................. -173,800
Total Unsecured debt.................... -33,000
Net Assets.............................. -11,000

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

fermi

Probably best to post this in a as well asking for advice on the SOA.

icecube2009 wrote: »

ok done it, its a bit different to th one on CCCS as it says we have £310 available for debt repayment, the one on CCCs allowed a little more for groceries & clothes etc not sure what else

Statement of Affairs and Personal Balance Sheet

Household Information
Number of adults in household........... 3
Number of children in household......... 2
Number of cars owned.................... 1

Monthly Income Details
Monthly income after tax................ 700
Partners monthly income after tax....... 1350
Benefits................................ 0
Other income............................ 130
Total monthly income.................... 2180

Monthly Expense Details
Mortgage................................ 732
Secured loan repayments................. 160
Hire Purchase (HP) repayments........... 44
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax............................. 122
Electricity............................. 30
Gas..................................... 35
Oil..................................... 0
Water rates............................. 32
Telephone (land line)................... 0
Mobile phone............................ 45
TV Licence.............................. 12
Satellite/Cable TV...................... 30
Internet Services....................... 0
Groceries etc. ......................... 300
Clothing................................ 40
Petrol/diesel........................... 50
Road tax................................ 10
Car Insurance........................... 32
Car maintenance (including MOT)......... 10
Car parking............................. 50
Other travel............................ 20
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 14
Pet insurance/vet bills................. 7
Buildings insurance..................... 15
Contents insurance...................... 15
Life assurance ......................... 30
Other insurance......................... 15
Presents (birthday, christmas etc)...... 10
Haircuts................................ 0
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 10
Total monthly expenses.................. 1870


Assets
Cash.................................... 0
House value (Gross)..................... 190000
Shares and bonds........................ 0
Car(s).................................. 5000
Other assets............................ 0
Total Assets............................ 195000


Secured & HP Debts
Description....................Debt......Monthly...APR
Mortgage...................... 166000...(732)......0
Secured Debt.................. 7000.....(160)......0
Hire Purchase (HP) debt ...... 800......(44).......0
Total secured & HP debts...... 173800....-.........-

Unsecured Debts
Description....................Debt......Monthly...APR
lloyds card me.................10000.....200.......0
lloyds card dh.................10000.....200.......0
egg loan me....................5000......110.......0
other card dh..................2000......40........0
loan dh........................1000......200.......0
egg card me....................5000......100.......0
Total unsecured debts..........33000.....850.......-


Monthly Budget Summary
Total monthly income.................... 2,180
Expenses (including HP & secured debts). 1,870
Available for debt repayments........... 310
Monthly UNsecured debt repayments....... 850
Amount short for making debt repayments. -540

Personal Balance Sheet Summary
Total assets (things you own)........... 195,000
Total HP & Secured debt................. -173,800
Total Unsecured debt.................... -33,000
Net Assets.............................. -11,000

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