vastsarah soa

vastsarah_2

Please tell me if i have posted this in wrong place!!
Statement of Affairs and Personal Balance Sheet
Household Information

Number of adults in household........... 3
Number of children in household......... 3
Number of cars owned.................... 2

Monthly Income Details
Monthly income after tax................ 1219
Partners monthly income after tax....... 850
DLA and C/A............................. 493
sons rent............................... 200
Total monthly income.................... 2762


Monthly Expense Details
Mortgage................................ 297.7
Secured/HP loan repayments..............163.9
Council tax............................. 120
Electricity............................. 120
Gas..................................... 70
Water rates............................. 75
Telephone (land line)................... 44
Mobile phone............................ 75
TV Licence.............................. 11.95
Satellite/Cable TV...................... 22
Internet Services....................... 19.95
Groceries etc. ......................... 600
Clothing................................ 75
Petrol/diesel........................... 200
Road tax................................ 15
Car Insurance........................... 46.88
Car maintenance (including MOT)......... 50
Other travel............................ 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 21
Pet insurance/vet bills................. 25
Buildings insurance..................... 12
Contents insurance...................... 13
Life assurance ......................... 17.85
critcal illness cover................... 45.44
Presents (birthday, christmas etc)...... 30
Haircuts................................ 10
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 2180.67

Assets
Cash.................................... 0
House value (Gross)..................... 200000
Shares and bonds........................ 0
Car(s).................................. 5000
Other assets............................ 0
Total Assets............................ 205000

Secured & HP Debts
Description....................Debt......Monthly...APR
Mortgage...................... 31000....(297.7)....0
Secured Debt.................. 22000....(163.9)....0
Total secured & HP debts...... 53000.....-.........-
Unsecured Debts
Description....................Debt......Monthly...APR
egg............................4014......92.83.....0
barclays.......................304.39....6.........0
tesco..........................1400......60........0
tesco..........................1540......45........0
barclaycard....................3109......70........0
argos..........................121.......10........0
capital one....................1486......44........0
Alliance and lescter...........2405......25........0
Total unsecured debts..........14379.39..352.83....-

Monthly Budget Summary
Total monthly income.................... 2,762
Expenses (including HP & secured debts). 2,180.67
Available for debt repayments........... 581.33
Monthly UNsecured debt repayments....... 352.83
Amount left after debt repayments....... 228.5
Personal Balance Sheet Summary
Total assets (things you own)........... 205,000
Total HP & Secured debt................. -53,000
Total Unsecured debt.................... -14,379.39
Net Assets.............................. 137,620.61
Created using the SOA calculator at www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission, using IE browser.
What i forgot to put on is
23.32 gas boiler cover
17.82 repay protection
36.73 income protection
40.00 overdraft charges on 2 accounts

Sorry that i have not put apr on as need too find them out.
Going into bank tomorrow to close a bank account and get loan to pay off 2 overdrafts £1300 and £1500.
Please give me some advice on how to cut down!