ZHR's SOA

ZootHornRollo

Please see below my SOA.

Having recently seperated from my partner of 7 years - there is a glimer of hope of recovery but the outlook isn't good. I need to start planning for the future. And if we do get back together, i can really start dealing with the debt.

It reflects a situation with no rent etc (due to the way we split the expenses)

I am currently staying back with my parents (has only been a couple of weeks) but don't plan on being here for long if a reconcilliation is not forthcoming.

UPDATED

Statement of Affairs and Personal Balance Sheet

Monthly Income Details
Income from Employment (after tax). . . . . . . . . . . . . . . . . . . . . . . 1,281.58
Income from Self Employment (before tax). . . . . . . . . . . . . . . . . . . . 0.00
State Pension . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Private Pension / Annuity Payout. . . . . . . . . . . . . . . . . . . . . . . . 0.00
Benefits (Inc. Child Benefit/Tax Credits & Income Support). . . . . . . . . . . 0.00
Income From Savings & Investments . . . . . . . . . . . . . . . . . . . . . . . 0.00
Gifts From Family / Friends . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00

Monthly Expense Details

In Your Home

Mobile Phone(s) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 55.00
TV Licence. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Internet. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Home Phone. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Cleaning Products/Cleaner . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Garden Maintenance. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Household Maintenance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Oil . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Electricity . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Gas . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Water . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Council Tax . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Overdraft Cost. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 20.00
Bank Account Fee. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5.00
Home Insurance. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Mortgage/Rent . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Plumbing/Boiler Cover . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Mortgage Life Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Mortgage Payment Protection . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Life Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Food and Household Shopping . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Drinks for Home . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00

Motoring & Public Transport

Petrol/Diesel . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 195.00
Parking . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Car Tax . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 17.08
Car Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 42.00
Car Maintenance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 30.00
Rail/Bus/Taxi . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Breakdown Cover . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Caravan Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8.00
Caravan Storage . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 33.33

Debt Repayments

Credit Card Repayments. . . . . . . . . . . . . . . . . . . . . . . . . . . . . 88.00
Hire Purchase Repayments. . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Personal Loan Repayments. . . . . . . . . . . . . . . . . . . . . . . . . . . . 216.00
Car Loan Repayments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Income Protection . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 20.00

Savings & Investments

Pension Payments. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Buying Shares . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Investments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Mini Cash ISAs. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Lump Sum Saving . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Regular Saving. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00

Family

Pet Food. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15.00
School Trips. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
School Meals. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Pocket Money. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Nappies/Baby Extras . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Laundry/Dry Cleaning. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Children's Travel . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Baby Sitting. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Childcare/Play Groups . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Pet Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10.00
Travel Insurance. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00

Entertainment

Satellite/Digital TV. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Family Days Out . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Cinema/Theatre Trips. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Books/Music/Films/Computers . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Big Days Out. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Shopping for Fun. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Pet Costs . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Hobbies . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 20.00
IT/Computing (eg Anti-virus etc). . . . . . . . . . . . . . . . . . . . . . . . 0.00
DVD Rental. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Drinking Out. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Eating Out. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00

Clothes, Health & Beauty

Complimentary Therapies . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Optical Bills . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Haircuts. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Dentistry . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4.17
Beauty Treatments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Healthcare Cashplans. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 26.43
Dental Insurance. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Private Medical Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Fitness/Sports/Gym. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 21.67
Work Clothes. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
New Children's Clothes. . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
New Clothes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15.00

Education & Courses

University Tuition Fees . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
School Fees . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Your Courses. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00

Big One Offs

Funeral Expenses. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Wedding Expenses. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Sofa/Kitchen/TV . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Birthdays . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Winter Holiday. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Summer Holiday. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Christmas . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00

Odds & Sods

Newspapers & Magazines. . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Tax & NI Provisions (self-employed only). . . . . . . . . . . . . . . . . . . . 0.00
Regular Charity Donations . . . . . . . . . . . . . . . . . . . . . . . . . . . 3.00
Meals at work . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 20.00
Smokes. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Coffees/Sandwiches/Snacks . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00


Total monthly income. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1,281.58


Total monthly expenses. . . . . . . . . . . . . . . . . . . . . . . . . . . . . 864.68





CREDIT CARDS

HSBC - £1200 approx (gaining interest)
RBS - £1470 approx (0% till Jan 2011)
MBNA - £600 approx (gaining interest)

Paying minimum on them all

OVERDRAFTS

No 1 - Normally £1100 overdrawn by end of month
No 2 - £260 - was £2000 have been paying this off @250 per month

PERSONAL LOAN (unsecured)

£5350 left to pay @ £216 per month (25 months left)



The mobiles covers both mine and my partners, both have around a year left to run on contract

I have not filled in anything for entertainment etc as i have no idea how much to put in. I will keep a diary for the next wee while.

I now have to work out how i will manage to get myself back on my feet and into my own accomodation under these constraints.

Tixy

ZootHornRollo wrote: »

Please see below my SOA.

Having recently seperated from my partner of 7 years - there is a glimer of hope of recovery but the outlook isn't good. I need to start planning for the future. And if we do get back together, i can really start dealing with the debt.

It reflects a situation with no rent etc (due to the way we split the expenses)

I am currently staying back with my parents (has only been a couple of weeks) but don't plan on being here for long if a reconcilliation is not forthcoming.

Statement of Affairs and Personal Balance Sheet

Monthly Income Details
Income from Employment (after tax). . . . . . . . . . . . . . . . . . . . . . . 1,281.58
Monthly Expense Details

In Your Home

Mobile Phone(s) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 55.00
TV Licence. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Internet. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Home Phone. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Electricity . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Gas . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Water . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Council Tax . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Overdraft Cost. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 20.00 is this daily charges? how much is your overdraft? do you get back in the black at any point in the month?
Bank Account Fee. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5.00 what benefits does this give? consider switching to a free account?
Home Insurance. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Mortgage/Rent . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Life Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Food and Household Shopping . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00 who pays for this?
Drinks for Home . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00

Motoring & Public Transport

Petrol/Diesel . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 195.00
Parking . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Car Tax . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 17.08
Car Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 42.00
Car Maintenance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00 need to budget for MOT, servicing, new tyres etc? try to calc an annual cost and then budget 1/12th so you don't have to pay on a credit card
Rail/Bus/Taxi . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Breakdown Cover . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Caravan Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8.00

Debt Repayments

Credit Card Repayments. . . . . . . . . . . . . . . . . . . . . . . . . . . . . 88.00
Personal Loan Repayments. . . . . . . . . . . . . . . . . . . . . . . . . . . . 216.00
Income Protection . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 20.00 have you shopped around recently to check this is still a good deal (worth checking at least once a year)

Family

Pet Food. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00 what pets do you have?
Pet Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10.00

Entertainment

Hobbies . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 20.00

Clothes, Health & Beauty

Haircuts. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00 do you never have them?
Dentistry . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00 do you need to budget for checkups?
Healthcare Cashplans. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 26.43
Fitness/Sports/Gym. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 21.67 do you use this often?

New Clothes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00 probably need to budget a small amount here

Birthdays . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00 need to budget something here

Christmas . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00 and here

Odds & Sods

Regular Charity Donations . . . . . . . . . . . . . . . . . . . . . . . . . . . 3.00
Meals at work . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 20.00
Smokes. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Coffees/Sandwiches/Snacks . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00


Total monthly income. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1,281.58


Total monthly expenses. . . . . . . . . . . . . . . . . . . . . . . . . . . . . 767.18

CREDIT CARDS

HSBC - £1200 approx (gaining interest)
RBS - £1470 approx (0% till Jan 2011)
MBNA - £600 approx (gaining interest)

Paying minimum on them all

OVERDRAFTS

No 1 - Normally £1100 overdrawn by end of month
No 2 - £260 - was £2000 have been paying this off @250 per month

PERSONAL LOAN (unsecured)

£5350 left to pay @ £216 per month (25 months left)



The mobiles covers both mine and my partners, both have around a year left to run on contract

I have not filled in anything for entertainment etc as i have no idea how much to put in. I will keep a diary for the next wee while.

I now have to work out how i will manage to get myself back on my feet and into my own accomodation under these constraints.

Well it looks like you have loads of money spare each month. But if you have those cards and are only paying minimums then I guess you don't? So a spending diary for all expenses seems a very good idea.

You say you don't pay rent but you also don't seem to have accounted for any other household costs such as council tax, gas, elec & water and then things like groceries.

Obviously if this is the actual situation at present then hopefully you can be throwing another few hunderd at your debts (highest APR first), so that if you do set up home on your own you'll have cleared as much as possible first.

Good luck.

ZootHornRollo

thanks,

the reason i haven't included them as in my current situation - right now - i have no rent etc - have been staying with folks short term in the hope of getting back with GF. have not discussed with folks about 'digs' as hoping it will be short term. - but i have given them some money! - i'm not sponging!

i have to make whats left pay for a roof over my head - ie - a rented flat + bills.

gfplux

You have a great opportunity while living rent free to ONLY spend what you can afford. With the surplus cash you can really crush those C/C.
So remember only spend what you have to and you will be OK very quickly
good Luck

Tixy

If you think that is likely to happen then I would do some research into what you might need to pay for rent, ctax etc and utilities to produce a theoretical SoA to see if you could cope. Even post it up for people to consider if the costs look realistic/reasonable.
Obviously the longer you stay with the folks the more of your debts you can pay off. Have you looked at the snowball calculator at all to see how much you can pay off if you could put up with staying with the folks for 6months or so (if they'll have you that long!).

Just thinking it would be easier for you to cope on your wage if you had cleared maybe £3k off your debts by then, which might leave you with just the 0% card to service.

And maybe at some point whilst you are waiting you might here of a friend who you could consider flatsharing with, which certainly makes overheads cheaper.

ZootHornRollo

I have updated the SOA in the first post.

@Tixy

Overdraft Cost. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 20.00 is this daily charges? how much is your overdraft? do you get back in the black at any point in the month?

The overdraft fee is what appears on my bank account statements - not sure how it is made up exactly. Only in the black on the day i get paid and even then only momentarily... but i'm not far off.

Bank Account Fee. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5.00 what benefits does this give? consider switching to a free account?

I get a lower OD rate on one of my accounts - don't know exactly how much. probably 1%. ALso use free breakdown cover and have used the ticket buying service for concerts. Its an RBS Royalties Gold Account.

Food and Household Shopping . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00 who pays for this?

Will be paying digs to my folks if the current situation continues.

Car Maintenance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00 need to budget for MOT, servicing, new tyres etc? try to calc an annual cost and then budget 1/12th so you don't have to pay on a credit card

Have updated the SOA above with £30 a month to include MOT etc.

Income Protection . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 20.00 have you shopped around recently to check this is still a good deal (worth checking at least once a year)

Have to admit i just renewed last year at same rate as year before but it was the best deal at the time i took it out.

Haircuts. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00 do you never have them?

I own sheers and cut my own hair these days. folically challenged.

Dentistry . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00 do you need to budget for checkups?

Have added in a bit. i have a cash plan through work that covers 75% of charges up to something like £210

Fitness/Sports/Gym. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 21.67 do you use this often?

Weekly game of badminton

New Clothes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00 probably need to budget a small amount here

Was never a big clothes shopper, have added something into new SOA in first post.

Birthdays . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00 need to budget something here

Christmas . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00 and here

i guess so. will work something out later.

ZootHornRollo

UPDATED

Statement of Affairs and Personal Balance Sheet

Monthly Income Details
Income from Employment (after tax). . . . . . . . . . . . . . . . . . . . . . . 1,281.58
Income from Self Employment (before tax). . . . . . . . . . . . . . . . . . . . 0.00
State Pension . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Private Pension / Annuity Payout. . . . . . . . . . . . . . . . . . . . . . . . 0.00
Benefits (Inc. Child Benefit/Tax Credits & Income Support). . . . . . . . . . . 0.00
Income From Savings & Investments . . . . . . . . . . . . . . . . . . . . . . . 0.00
Gifts From Family / Friends . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00

Monthly Expense Details

In Your Home

Mobile Phone(s) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 55.00
TV Licence. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Internet. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Home Phone. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Cleaning Products/Cleaner . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Garden Maintenance. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Household Maintenance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Oil . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Electricity . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Gas . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Water . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Council Tax . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Overdraft Cost. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 20.00
Bank Account Fee. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5.00
Home Insurance. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Mortgage/Rent . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Plumbing/Boiler Cover . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Mortgage Life Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Mortgage Payment Protection . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Life Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Food and Household Shopping . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Drinks for Home . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00

Motoring & Public Transport

Petrol/Diesel . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 195.00
Parking . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Car Tax . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 17.08
Car Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 42.00
Car Maintenance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 30.00
Rail/Bus/Taxi . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Breakdown Cover . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Caravan Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8.00
Caravan Storage . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 33.33

Debt Repayments

Credit Card Repayments. . . . . . . . . . . . . . . . . . . . . . . . . . . . . 88.00
Hire Purchase Repayments. . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Personal Loan Repayments. . . . . . . . . . . . . . . . . . . . . . . . . . . . 216.00
Car Loan Repayments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Income Protection . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 20.00

Savings & Investments

Pension Payments. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Buying Shares . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Investments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Mini Cash ISAs. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Lump Sum Saving . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Regular Saving. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00

Family

Pet Food. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15.00
School Trips. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
School Meals. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Pocket Money. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Nappies/Baby Extras . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Laundry/Dry Cleaning. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Children's Travel . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Baby Sitting. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Childcare/Play Groups . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Pet Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10.00
Travel Insurance. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00

Entertainment

Satellite/Digital TV. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Family Days Out . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Cinema/Theatre Trips. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Books/Music/Films/Computers . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Big Days Out. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Shopping for Fun. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Pet Costs . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Hobbies . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 20.00
IT/Computing (eg Anti-virus etc). . . . . . . . . . . . . . . . . . . . . . . . 0.00
DVD Rental. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Drinking Out. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Eating Out. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00

Clothes, Health & Beauty

Complimentary Therapies . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Optical Bills . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Haircuts. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Dentistry . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4.17
Beauty Treatments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Healthcare Cashplans. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 26.43
Dental Insurance. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Private Medical Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Fitness/Sports/Gym. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 21.67
Work Clothes. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
New Children's Clothes. . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
New Clothes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15.00

Education & Courses

University Tuition Fees . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
School Fees . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Your Courses. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00

Big One Offs

Funeral Expenses. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Wedding Expenses. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Sofa/Kitchen/TV . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Birthdays . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Winter Holiday. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Summer Holiday. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Christmas . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00

Odds & Sods

Newspapers & Magazines. . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Tax & NI Provisions (self-employed only). . . . . . . . . . . . . . . . . . . . 0.00
Regular Charity Donations . . . . . . . . . . . . . . . . . . . . . . . . . . . 3.00
Meals at work . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 20.00
Smokes. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Coffees/Sandwiches/Snacks . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00


Total monthly income. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1,281.58


Total monthly expenses. . . . . . . . . . . . . . . . . . . . . . . . . . . . . 864.68





CREDIT CARDS

HSBC - £1200 approx (gaining interest)
RBS - £1470 approx (0% till Jan 2011)
MBNA - £600 approx (gaining interest)

Paying minimum on them all

OVERDRAFTS

No 1 - Normally £1100 overdrawn by end of month
No 2 - £260 - was £2000 have been paying this off @250 per month

PERSONAL LOAN (unsecured)

£5350 left to pay @ £216 per month (25 months left)