Time to take it seriously

fraziola

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Tixy

Hi Fraziola - it would probably help us advise if you could put all the info in this budget template - http://www.makesenseofcards.com/soacalc.html

For costs such as fixing cars, birthdays etc budget for 1/12 of the annual cost each month to give a true monthly budget.

BeautyandtheBeast_3

hi, put it into the SOA format - much easier to read xxx

gfplux

Make out your SOA (link - http://www.makesenseofcards.com/soacalc.html ) Try not to guess at the figures, dig out the paperwork! However remember a partial completed one is better than none. It is in fact one of the most important things you will ever do to start on the road to recovery. If you want a lot of help on this forum, posting your SOA is the first and most important step. After it is done it is very easy to keep it up to date. In my opinion everyone should have an up to date SOA even if you have little or no debt. It is a great tool to manage your life with.
If you post it on the forum answer the obvious questions before they are asked so you get immediate feedback, such as :-
If you have other Income explain what it is
Mortgage – interest only or not.
What is the age of any children.
Council tax over 10 or 12 months.
Electricity and gas any arrears.
Water rates meter yes or no.
Mobiles, how many.
If your pets cost money, what are they.