The cutting out/cutting down alcohol thread (part 7)

SimIsOnTheUp

...and here we have the gory details..

Jeez, this is scary.

I am off now, to try and find the relevant thread on MSE Debt boards in the forum -

Thanks,

Sim x .........

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.................... 0

Monthly Income Details
Monthly income after tax................ 0
Partners monthly income after tax....... 0
Benefits................................ 590.32
Other income............................ 0
Total monthly income.................... 590.32

Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 297.96
Management charge (leasehold property).. 0
Council tax............................. 55.16
Electricity............................. 61.2
Gas..................................... 0
Oil..................................... 0
Water rates............................. 26.8
Telephone (land line)................... 6
Mobile phone............................ 45
TV Licence.............................. 23.75
Satellite/Cable TV...................... 0
Internet Services....................... 5.99
Groceries etc. ......................... 171.5
Clothing................................ 10
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...................... 0
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 5
Haircuts................................ 8
Entertainment........................... 10
Holiday................................. 0
Emergency fund.......................... 5
Total monthly expenses.................. 731.36


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
Rent Arrears...................32........0.........0
Council Tax Arrears............459.31....0.........0
Electric - NPower..............719.......0.........0
Student Loans Company..........14000.....0.........0
Ex - Girlfriend................1458......0.........0
O2 (DCA).......................1055.27...0.........0
O2 (DCA).......................588.23....0.........0
O2 (DCA).......................480.28....0.........0
Next Directory (DCA)...........108.59....0.........0
Empire Stores (DCA)............532.05....0.........0
Littlewoods a/c (DCA)..........536.35....0.........0
Vanquis Visa CC (DCA)..........357.89....0.........0
Capital One Visa(DCA)..........688.33....0.........0
TV License Arrears.............71.25.....0.........0
DWP Crisis Loans...............710.82....0.........0
Housing Bft O/Payment..........2370......0.........0
Severn Trent Water.............180.......0.........0
Total unsecured debts..........24347.37..0.........-


Monthly Budget Summary
Total monthly income.................... 590.32
Expenses (including HP & secured debts). 731.36
Available for debt repayments........... -141.04
Monthly UNsecured debt repayments....... 0
Amount short for making debt repayments. -141.04

Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -0
Total Unsecured debt.................... -24,347.37
Net Assets.............................. -24,347.37

Created using the SOA calculator at https://www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission, using other browser.

SimIsOnTheUp

This is so overwhelming.

If anything is going to keep me sober, and focus me on meeting the professionals for help next week, it is this.

Sim x

Different_Corner

Sim have replied on your new thread, think you are on the right track.

AF - not a drop since Sunday, think I've been AF for at least 18 this month, but lost count.

shaggydoo

Morning all :hello:

Just today to do and I will have completed another whole month AF! Woo Hoo. Not bad for a "cutter downer". BUT I've "only" lost about 2Lbs this month so it's not helping my diet as much as I would like



Shaggy

shaggydoo

SimIsOnTheUp wrote: »

Annoyingly, I don't have a printer, and I think my letters to my Creditors, would look more professional / organised, printed rather than hand - written.

You might get one on Freecycle.

Marru

Sim - Nationaldebtline has also lots of template letters but wait first before talking to CAB. What you could do is to send letters to those who are chasing you telling that you are seeking advice - I am sure template for this is on National Debline website.

I can only identify four areas that you might be able to save some money: electricity, water, mobile and groceries. See if you are able to change electricity provider (don't get me started on n-p0wer :mad:) and get cheaper tariff, also are you on meter? if so your bill should be less than this (I have one adult and a child and washing machine on most days and pay less), see if you can downgrade your phone - see how much you really need to use it and find cheaper way - I have 200 free minutes which are more than sufficient for me and pay £20.-, you know yourself that you don't have £170 for groceries as when the money runs out that is the first you have been cutting down. I am sure there are peeps here that are more apt than me to give advice on this.

Have you checked if you are entitled to council tax benefit? There is a good website for checking stuff like this.

Must do my own DCA letter writing shift now - they are all w@nkers - don't take it personally.

shaggydoo

Fay



Shaggy

jo1972

shaggydoo wrote: »

Shaggy

What a great pic this morning :cool:

Morning all, AF 2 days in a row, feeling like s.hit. Gotta dash, late for work :eek:

SimIsOnTheUp

Different_Corner wrote: »

Sim have replied on your new thread, think you are on the right track.

AF - not a drop since Sunday, think I've been AF for at least 18 this month, but lost count.

Thanks DC.

Replied to you on the other thread

SimIsOnTheUp

shaggydoo wrote: »

Morning all :hello:

Just today to do and I will have completed another whole month AF! Woo Hoo. Not bad for a "cutter downer". BUT I've "only" lost about 2Lbs this month so it's not helping my diet as much as I would like



Shaggy

Congrats on your sobriety Shaggy!

Sim :T