Oh Poo

zarazara

Lucy1982 wrote: »

Ok here we go, I'm sure I've left stuff off and in places I've put a rough amount in but here we go:

Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 1
Number of children in household......... 0
Number of cars owned.................... 1
Monthly Income Details
Monthly income after tax................ 1014
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 1014
Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 240
Management charge (leasehold property).. 0
Council tax............................. 0
Electricity............................. 0
Gas..................................... 0
Oil..................................... 0
Water rates............................. 0
Telephone (land line)................... 0
Mobile phone............................ 29 this seems steep. I only uae my mobile for incoming calls, You could try doing the same.
TV Licence.............................. 0
Satellite/Cable TV...................... 0
Internet Services....................... 12.23
Groceries etc. ......................... 30
Clothing................................ 20 wear what you have at the moment,dont buy anything new.
Petrol/diesel........................... 80 can you cut this down at all? walk,cycle?
Road tax................................ 12
Car Insurance........................... 27
Car maintenance (including MOT)......... 5
Car parking............................. 5
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 1.33
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 0
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 5
Haircuts................................ 3.33
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 469.89

Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 1000
Other assets............................ 0
Total Assets............................ 1000

No Secured nor Hire Purchase Debts
Unsecured Debts
Description....................Debt......Monthly...APR
Loan 1.........................8873......284.......9.9
loan 2.........................4302......116.......10.9
credit card....................3878......77........15.9
Total unsecured debts..........17053.....477.......-

Monthly Budget Summary
Total monthly income.................... 1,014
Expenses (including HP & secured debts). 469.89
Available for debt repayments........... 544.11
Monthly UNsecured debt repayments....... 477
Amount left after debt repayments....... 67.11
Personal Balance Sheet Summary
Total assets (things you own)........... 1,000
Total HP & Secured debt................. -0
Total Unsecured debt.................... -17,053
Net Assets.............................. -16,053
Created using the SOA calculator at www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission, using IE browser.

I've made a few suggestions. Also,have you thought about a part time ,perhaps weekend job to bring in more cash?

Lucy1982_2

I'm not going to spend any more money on clothes I have a nice wardrobe and I am trying to lose some weight so will slim back into my old wardrobe. Clothes will only be on a NEED basis and nothing more.

zarazara

:jThats a step in the right direction! Well Done.

Lucy1982_2

Hi Guys

Been having a couple of good days, total NSD which is great, although I have learnt that I probably wont be getting any of my 10% pay cut back until at least June . And I am seriously thinking about looking for another job, but I know it's not easy out there at the moment.

I have some watchers on my Ebay items so I'm hoping they will sell, as much for the free space as the money (which is tres important!)

Oh and I seem to have lost another 2 lbs in weight which is very exciting and makes about 8 lbs this year :j.

So still aiming to lose lbs and save £'s over the next few months (years.... forever )

L x

Denis_UK

Just a small point Lucy but under EU law there is a mandatory 2 year warentee for electrical goods don't pay Curry's another penny

Cleosmum

Hi Lucy :hello: Good to see you, well done on the loss, are you at SW still?

Cleosmum

Check out entitledto.com, have just had a play and it looks as though you could get £8.18 a week in working tax credit, which will help a bit even if you just chuck it at a credit card Check out all the way through and see if you can get any help with your rent too x

Lucy1982_2

Thanks guys, I'll have a look at the Cleos, I'd not thought I'd be entitled to anything as I live at home.

I still do SW, but at home from my old books (saving much money there!!!)

Cleosmum

Think the only criteria is being over 25, but check it out as it asks your age. Help with rent may be more tricky as Im not sure they help with rent to parents but worth looking in to. If you do go for WTC then make sure you update them asap when your money goes up you dont want to be dealing with an overpayment to them!

Well done with SW, I just cant do it alone! Im back out of target atm, 5lb to get back in, need to do that quickly!

Lucy1982_2

Hi Everyone

So far so good, made it through to payday with £5 of my OD left :T not ideal I know but still I made it.

I've worked out my budget and if i stick to it I will have £92 after all my bills, I have a few things to do this month. Such as a weekend away visiting friends and a Meal out with family on Sunday.

But none of these things will cost much and as the family meal is with my favourite aunt who has just been told her cancer is no longer showing on any of her scans, I think I will find £15 to enjoy spending some time with her!

And I am going to transfer the small amount I have in paypal over to my main account, while I will list some more things.

x