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I'm new and need some advice!

2

Comments

  • Merlinexcalibur
    Merlinexcalibur Posts: 1,699 Forumite
    Good, because I wanted to check on that aspect. No offense. Just I knew someone who did certain things online using that name to get at that person. And anyone known to them. And they were rather subtle about it, too. ;) No other reason. So I was just checking.

    Anyway, you need to post a completed SOA for anyone to help you.

    Anyway, wish you well and hope someone here can help you.
    Any help, opinions, views I may hold those are my own. Respect them as you would expect the same in return. Offered freely, is gleaned from a lifetime of experiences, knowledge gaining. Passed on to benefit others. I may be direct, ask you questions but those are to help you. Up to you if you choose to take it. I won't judge you either way.
  • silly_mcbilly
    silly_mcbilly Posts: 6 Forumite
    I did fill it in.

    I copied it twice, but each time my answers weren't coming up.

    Look I just came here for advice. I'm in a lot of mess, I've lost someone close to me and I'm trying to work out what to do with my money. I thought someone here could help me.

    The site WILL NOT let me copy and paste? I've tried.

    I'm sorry that you know someone with the same name thats messed around, I'm being genuine and I needed some advice.

    Ruth
  • Merlinexcalibur
    Merlinexcalibur Posts: 1,699 Forumite
    Yeah, my apologies. Just I knew what that other person was put through you see. I will go clean up my posts.
    Any help, opinions, views I may hold those are my own. Respect them as you would expect the same in return. Offered freely, is gleaned from a lifetime of experiences, knowledge gaining. Passed on to benefit others. I may be direct, ask you questions but those are to help you. Up to you if you choose to take it. I won't judge you either way.
  • Merlinexcalibur
    Merlinexcalibur Posts: 1,699 Forumite
    BTW, I've never used to the SOA thing but it may be possible for you to manually enter your details eg straight to the thread.
    Any help, opinions, views I may hold those are my own. Respect them as you would expect the same in return. Offered freely, is gleaned from a lifetime of experiences, knowledge gaining. Passed on to benefit others. I may be direct, ask you questions but those are to help you. Up to you if you choose to take it. I won't judge you either way.
  • RAS
    RAS Posts: 36,185 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    silly_mcbilly wrote: »
    I did fill it in.

    I copied it twice, but each time my answers weren't coming up.

    Look I just came here for advice. I'm in a lot of mess, I've lost someone close to me and I'm trying to work out what to do with my money. I thought someone here could help me.

    The site WILL NOT let me copy and paste? I've tried.

    I'm sorry that you know someone with the same name thats messed around, I'm being genuine and I needed some advice.

    Ruth

    Can take it slowly

    If it is not working, it may be because the originator has made changes today and it is not robust enough.

    will try and find you one that you can do "manually".
    If you've have not made a mistake, you've made nothing
  • silly_mcbilly
    silly_mcbilly Posts: 6 Forumite
    Amount (£) Monthly Income (after tax) 1250

    Partner's Monthly Income 850

    Benefits 0

    Other Income (e.g. maintenance payments) 0
    Enter your monthly expenditureAmount (£)

    Mortgage Repayment 0

    Secured Loan Repayments 0

    Hire Purchase (HP)

    Repayments 0 Rent 560

    Management Charge (e.g. on leasehold property) 0

    Council Tax 120

    Electricity 60

    Gas 0

    Oil 0

    Water Rates 50

    Telephone (land line) 10

    Mobile Phone 45 T

    V Licence 0

    Satellite/Cable TV 0

    Internet Services 10 G

    roceries etc. 150

    Clothing 200

    Petrol/Diesel 50

    Road Tax (car) 15

    Car Insurance (including breakdown cover) 0

    Car Maintenance (including MOT) 0

    Car Parking 0

    Other Travel 0

    Childcare/Nursery0

    Other child related expenses 0

    Medical (prescriptions, dentists, opticians etc.) 0

    Pet Insurance/Vet bills 0

    Building Insurance 0

    Contents Insurance 0

    Life Assurance 0

    Other Insurance 0

    Presents (birthday, christmas etc.) 0

    Haircuts 25

    Entertainment 20

    Holiday 150

    Household Emergency Fund (e.g. for repairs) 0
    Enter SECURED debts and Hire Purchase (HP) debtsEnter the amount borrowed here, but the monthly payments in the Expenses table above.
    Debt description </SPAN>Debt (£) </SPAN>Monthly payment (£) </SPAN>Annual Rate (%) </SPAN>Mortgage: enter loan amount ==> Secured debt: enter total loan ==> Hire Purchase (HP): enter total loan ==>
    Enter your UNsecured Debts e.g. credit cardsDebt description


    Egg
    Debt (£) 1518 Min Pay (£) 38 Annual Rate (%) 21.9
    HSBC

    Debt (£) 3679 Min Pay (£) 92 Annual Rate (%) 15.9




    Enter the value of your assetsAsset Value (£)

    Cash House value (gross) 0

    Shares & bonds Car(s) 0

    Other assets (e.g. endowments, jewellery) 0


    Number of adults in household 2
    Number of children in household 0
    Number of cars owned 1


    Think thats worked! Did it manually, I was rushing because I was aware of how long it was taking me to reply. Sorry, I'm new to this forum lark!

    Ruthie x
  • RAS
    RAS Posts: 36,185 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    not needed now.
    If you've have not made a mistake, you've made nothing
  • LilacPixie
    LilacPixie Posts: 8,052 Forumite
    Ruth,

    Please fill out the soa again, click on the calculate button and then you will see the 'Format results for discussion boards (optional)'

    Click the mse button and you will get a pop up box. Copy and paste the contents of that box over here
    MF aim 10th December 2020 :j:eek:
    MFW 2012 no86 OP 0/2000 :D
  • RAS
    RAS Posts: 36,185 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Whoops it treats [/quote] as an instruction
    If you've have not made a mistake, you've made nothing
  • silly_mcbilly
    silly_mcbilly Posts: 6 Forumite
    Statement of Affairs and Personal Balance Sheet
    Household Information
    Number of adults in household........... 2
    Number of children in household......... 0
    Number of cars owned.................... 1
    Monthly Income Details
    Monthly income after tax................ 1250
    Partners monthly income after tax....... 850
    Benefits................................ 0
    Other income............................ 0
    Total monthly income.................... 2100
    Monthly Expense Details
    Mortgage................................ 0
    Secured loan repayments................. 0
    Hire Purchase (HP) repayments........... 0
    Rent.................................... 560
    Management charge (leasehold property).. 0
    Council tax............................. 120
    Electricity............................. 60
    Gas..................................... 0
    Oil..................................... 0
    Water rates............................. 50
    Telephone (land line)................... 10
    Mobile phone............................ 45
    TV Licence.............................. 0
    Satellite/Cable TV...................... 0
    Internet Services....................... 10
    Groceries etc. ......................... 150
    Clothing................................ 200
    Petrol/diesel........................... 50
    Road tax................................ 15
    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................................ 25
    Entertainment........................... 20
    Holiday................................. 150
    Emergency fund.......................... 0
    Total monthly expenses.................. 1465

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

    No Secured nor Hire Purchase Debts
    Unsecured Debts
    Description....................Debt......Monthly...APR
    Egg............................1518......38........21.9
    HSBC...........................3679......92........15.9
    Total unsecured debts..........5197......130.......-

    Monthly Budget Summary
    Total monthly income.................... 2,100
    Expenses (including HP & secured debts). 1,465
    Available for debt repayments........... 635
    Monthly UNsecured debt repayments....... 130
    Amount left after debt repayments....... 505
    Personal Balance Sheet Summary
    Total assets (things you own)........... 5,000
    Total HP & Secured debt................. -0
    Total Unsecured debt.................... -5,197
    Net Assets.............................. -197
    Created using the SOA calculator at www.makesenseofcards.com.
    Reproduced on Moneysavingexpert with permission, using IE browser.



    Thanks lilacpixie!

    God this is taking me ages! Really wish I was better with computers!
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