BrRangers SoA

brranger

Alot will have seen me around giving advise but seem to have hit a brick wall seeing lack of results now, can anyone help me?
In the middle of divorce so this is likly to get worse in the future.

Statement of Affairs.

Income

My Salary: £1083.33pm . I get paid 4 weekly which complicates things but this is a monthly figure.

Lodger £300

Total £1383.33

Monthly Outgoings

Mortgage: £289.66
Phone ntl/ Mobile: £25
BB ntl £17.99
Tv Freeview £0
Gas: £40 changed to EDF
Elec: £21 As Above
Water: £28.36 Rates ot 12 months 8 I think
Council Tax: £71.00 10 months
Contents/building ins £24.55 changed to Halifax saved £300 per year
Life 11.86
Mort protection 10.19
Peterol £80
Lotto £4.00
Saving @10% £250pm directly off Lodger to repay Nr early see sig.
Sub Total: 874.61

Other Debt/Loans

Northern Rock £203.07 6 years left 5.9% can only repay in 1 lump sum
Llyodds CC £989 owing 5.5% £25 pm
Child Tax Repayment £59.13pm Till Jan07


Sub Total: £287.20

Total £1081.81


Surplus for Food Etc: £221.52

Tv licence and road tax fall in Feb and are covered by payments that normally go to council tax and water.

If anyone can see anything comments welcome.

Ranger

lynzpower

Hi there ranger

Well all looks ok from me, but I would say that surely NTl are doing that 3 for 30 quid thing with phone, tv internet? That might help?

Due to your divorce are you going to have to pay maintainence, how is this worked out?

Lynz
xx

frak

Is your lodger paying towards elec/gas/water and council tax ? if not then that rent is very cheap. I guess you cant ask them now to contribute but if you get another one or renegotiate your terms you will want to take this into consideration. As regards your ntl broadband it might be worth ringing and see if you can get a reduction. Ring up and say you are lookng to move your connection as it seems a bit steep for your usage. They will then put you onto cancellations who have more power to give you a better deal. If they are still willign to go through a cancellation then just say someone has turned up at door and can youring back later to cancel and make it clear you havenmt cancelled just yet. I tried this when i had ntl and they gave me three months half price.

lynzpower

Also you say the surplus is for food etc. 221 is a lot for food and if you are cooking for just you, then you could be doing this for 80 a month. thus you have an extra surplus for 141 for clothes etc, and to throw at your debts

brranger

Due to your divorce are you going to have to pay maintainence, how is this worked out?

Don't know yet was only married 13 months, might loose house and pension who knows depends on the judge on the day.

Is your lodger paying towards elec/gas/water and council tax ? if not then that rent is very cheap.

No all in, I was v.silly was'nt I. But it all helps and there is someone to talk to without having to goto the pub.

May consider taking the ntl tv back on as not saving much by not having it. maybe.

Thanks so far

brranger

Also you say the surplus is for food etc. 221 is a lot for food and if you are cooking for just you, then you could be doing this for 80 a month. thus you have an extra surplus for 141 for clothes etc, and to throw at your debts

That Approx £4 per day spends, I'll Have to work on my will power beyond that. I'm not really a clothes person but its a good point as don't want to have to go round naked.

Paying only £25 on CC as savings at a higher % rate that already covers this will pay off when matures at christmas.

frak

You werent silly its just you learn these things when you get a lodger. I rent a room from my best mate as it convenient for me and i get an all in deal but its a bit more than you charge. One thing we do tend to work out though is we share main meals. This keeps food costs right down as we tend to use the slow cooker or cook big curries, casseroles, chilis etc. Have a word with your lodger see what they say you can share the cost of your main food bill by making these things in bulk. Yes it is good to have someone to talk through when you been going through bad times

brranger

I just was'nt to sure how much to charge for the room etc, but we work different hours so its got the best of both worlds.

brranger

Just found out I'm going to have to pay all the costs hers and mine for the divorce,

Anyone want to buy a car/ rent a room?

CosmoCat

oh ranger!

did you have any inkling that you would have to pay those costs?

i'm sorry to hear. but hey, now you know and can do what you can to budget that into your affairs.

hope you had a good day otherwise today. how's the doggy!!

brranger

melabarrie wrote:

oh ranger!

did you have any inkling that you would have to pay those costs?

i'm sorry to hear. but hey, now you know and can do what you can to budget that into your affairs.

hope you had a good day otherwise today. how's the doggy!!

Dills fine his pads are all healled up and he is all happy again although he ate his fav ball :rolleyes:

I did'nt think she would sting me with the costs after I cleared all her debts for her, live and learn tho must not judge others on her else will end up just me and the dog.

My day has been fine and did not include any affairs.:rotfl: