My new SOA what do you think?

searching_me

after time and time again of not getting it right with my SOA ive finally got my get up and go ....... ive sorted out my SOA got rid of everything i dont need and down to mins ... so i would like your opinion if you see somewhere i can cut please do say ......

Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 2
Number of children in household......... 2
Number of cars owned....................
Monthly Income Details
Monthly income after tax................ 376
Partners monthly income after tax....... 0
Benefits................................ 844
Other income............................ 0
Total monthly income.................... 1220
Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 280
Management charge (leasehold property).. 0
Council tax............................. 98
Electricity............................. 30
Gas..................................... 20 this is the average across the year as over 3 months of summer i used £15 but in winter of course it goes up
Oil..................................... 0
Water rates............................. 0
Telephone (land line)................... 10
Mobile phone............................ 40
TV Licence.............................. 12
Satellite/Cable TV...................... 28 this includes tv,phone and net
Internet Services....................... 0
Groceries etc. ......................... 200 this is for everything food, nappies, baby milk any treats for the month so i dont have to use extra money for entertainment
Clothing................................ 0 dont really buy clothes but if i do i use savings
Petrol/diesel........................... 0
Road tax................................ 0
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...................... 8 just come down from £10 as i didnt make a claim last year
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 0
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 120 this for everything xmas birthdays a big bill i didnt know about or clothes for all four of us
Total monthly expenses.................. 846

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
littlewoods/very...............155.......9.........39.9 this is getting paid completely off on the 19th
london hb overpayment..........365.......52........0 last couple of months ive been pay at last £85 to get rid
sainsburys cc..................647.......15........27.9 ive forgotten pin and login thing for paying online which is good
overdraft......................1300......24........1
pc world ......................606.......16........25.9
barclays cc....................430.......13........26.9
Total unsecured debts..........3503......129.......-

Monthly Budget Summary
Total monthly income.................... 1,220
Expenses (including HP & secured debts). 846
Available for debt repayments........... 374
Monthly UNsecured debt repayments....... 129
Amount left after debt repayments....... 245
Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -0
Total Unsecured debt.................... -3,503
Net Assets.............................. -3,503
Created using the SOA calculator at www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission, using IE browser.

so thats it really im left with over £200 left and OH is currently looking for a job so hopefully house bills will be halved so i can put extra towards it but this is for the time being x

RAS

Stop over-paying the HB.

The Sainsburys card is as a very high interest rate, so you would be better off paying off that.

Or knock the barclay card on the head, ring up to cancel and see if you can get balance transfer at 6.9%, which they were offering existing customers?

searching_me

i already transfered orignially barclays to sainsburys but foolishly carried on spending on it ... i know my credit raiting is not that great at the mo so im not sure about that x