please help ...SOA

stopthespends

hi all could you have a look at my SOA please....


income :1800 approx a month
tax cred: 30
family allow:80
(should be getting 280 a month off ex for mainatine but hes out oif work since nov 08)

out goings.##

Loan hsbc 283.17 (finishes april 2010)
to parents for a settee; 75 (finishes in sept)
aa £5
life ins; 21.94
British gas insurnece; 3.02
capital 1 card (0%) £55.24
hsbc gold card: £15.96
council tax £78.13
mortage ; £580.36 (able to change in nov)
next cat; £19.51
loan (nationwide 3years to go) £260.51
orange phone ; 40.87
lloyd plat card: £65 (0%)
rcn ; Union; £15.80
home ins ; 10.17
sky: 19.50
water (meter) £ 18
car ins ; 22
tv lic: 11.95
Virgin (home phone and bb) : 24.42



so this is the mess that my life is at the mo....i get my out goings to be 1825 and incoming to be
1910


any ideas welcomed!!!

gettingbetter

hi

could you post your SOA using
www.makesenseofcards.com/soacalc.html
makes it easier to read
and you really need your APR'S if you know them

you will get lots of advice here

kas xx

Tixy

Hi - just a quick post as I'm dashing off. You haven;t included costs such as groceries, clothing, petrol etc and from your post we can't tell the balances and APRs on your debts. It would help if you could post in this format
http://www.makesenseofcards.com/soacalc.html
format for MSE at the bottom and post here. That way you'll know you covered everything and we'll be able to help more.

You will probably save money if you combine your SKY and Virgin products so you get all TV, phone and internet from just one of them.

Brit gas insurance is not usually the cheapest (although to be fair £3.02 does sound cheap).

Will check back later.

Tixy

Kas - great minds- you beat me to it this time!

stopthespends

thanks for looking will have a go at that site in a bit!!

TotallyBroke

A few things before you use the link given

louley wrote: »

hi all could you have a look at my SOA please....


income :1800 approx a month
tax cred: 30
family allow:80
(should be getting 280 a month off ex for mainatine but hes out oif work since nov 08)

out goings.##

Loan hsbc 283.17 (finishes april 2010)
to parents for a settee; 75 (finishes in sept)
aa £5
life ins; 21.94 Can this be cheaper, use a price comparison site and see
British gas insurnece; 3.02 What is this for? Is it needed
capital 1 card (0%) £55.24
hsbc gold card: £15.96
council tax £78.13
mortage ; £580.36 (able to change in nov)
next cat; £19.51
loan (nationwide 3years to go) £260.51
orange phone ; 40.87 This is high, reduce down a tariff
lloyd plat card: £65 (0%)
rcn ; Union; £15.80
home ins ; 10.17
sky: 19.50
water (meter) £ 18
car ins ; 22
tv lic: 11.95
Virgin (home phone and bb) : 24.42



so this is the mess that my life is at the mo....i get my out goings to be 1825 and incoming to be
1910


any ideas welcomed!!!

Just a few points until the new soa is posted

stopthespends

ive filled it in and it wont work!

gettingbetter

hi

i think there is a button near the botton to change it so you can post it on here
failing that can you just copy and paste it

kas xx

stopthespends

i have lost the will to live trying to plaste it on!!! help!

stopthespends

Amount (£) Monthly Income (after tax) 1800
Benefits 110 Charge (e.g. on leasehold property) Council Tax 78.13
Electricity 30
gas 30
Water Rates 18
Telephone (land line) and Internet Services 24.50
Mobile Phone 40
TV Licence 11.95
Satellite/Cable TV 19.50

Groceries etc. 100
Clothing 20
Petrol/Diesel 30
Road Tax (car) 11.60#
Car Insurance (including breakdown )27
Other child related expenses 30
Building Insurance 10.17
Contents Insurance
Life Assurance 21.94
Other Insurance 15.80
Presents (birthday, christmas etc.) 15
Haircuts 15
Enter SECURED debts and Hire Purchase (HP) debts Enter ALL your mortgage, secured and HP debt details here.
Debt description Debt (£) Monthly payment (£) Annual Rate (%) Mortgage 90000 580 5.15%

Secured debt Hire Purchase (HP) Enter your UNsecured Debts e.g. credit cards Debt description Debt (£) Min Pay (£) Annual Rate (%) hsbc loan 3500 283
nationwide loan 15000 260
lloys tsb card 65 0%
cap 1 55.24 0%

hsbc gold 3222 15.9%
Enter the value of your assets
Asset Value (£) Cash 400
House value (gross) 145000
Car(s) 1500
Other assets (e.g. endowments, jewellery) 600

Jesthar

louley wrote: »

i have lost the will to live trying to plaste it on!!! help!

Hi louley,

If you look near the bottom, there is a 'Format results for discussion board' section, with a button marked 'MSE'. If you click on that, you can the copy and paste the results as text into a new post in this thread.

If that doesn't help, you're going to have to describe in a bit more detail what you are doing and what errors you are getting.

~Jes