Hold fast to dreams, for if dreams die, life is a broken winged bird that cannot fly

pania

hi everyone!!!

well as promised some time back and as chased by red here is an update on life in the land of p. and with a quick flick of 2 fingers towards mr cyberman.

so payday has been and gone and here is my soa for this month...
Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 1
Number of children in household.........
Number of cars owned.................... 1
Monthly Income Details
Monthly income after tax................ 1553.7
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 1553.7
Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 260
Management charge (leasehold property).. 0
Council tax............................. 0
Electricity............................. 0
Gas..................................... 0
Oil..................................... 0
Water rates............................. 0
Telephone (land line)................... 0
Mobile phone............................ 71.9
TV Licence.............................. 0
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 60
Clothing................................ 10
Petrol/diesel........................... 180
Road tax................................ 10
Car Insurance........................... 15.44
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 ......................... 7
Other insurance......................... 0
Presents (birthday, christmas etc)...... 20
Haircuts................................ 30
Entertainment........................... 80
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 744.34

Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 1700
Other assets............................ 0
Total Assets............................ 1700

No Secured nor Hire Purchase Debts
Unsecured Debts
Description....................Debt......Monthly...APR
nationwide.....................12585.....80........0
halifax cc.....................1279.71...35........0
halifax loan...................540.......20........0
family.........................1240......150.......0
MCF............................443.04....46.96.....25
capital one....................44........35........0
Total unsecured debts..........16131.75..366.96....-

Monthly Budget Summary
Total monthly income.................... 1,553.7
Expenses (including HP & secured debts). 744.34
Available for debt repayments........... 809.36
Monthly UNsecured debt repayments....... 366.96
Amount left after debt repayments....... 442.4
Personal Balance Sheet Summary
Total assets (things you own)........... 1,700
Total HP & Secured debt................. -0
Total Unsecured debt.................... -16,131.75
Net Assets.............................. -14,431.75

hmmmm think i've missed something out there!! I have £257 surplus certainly not £442!! best revisit that one...

taxi73

That's not the right price for your mobile is it?

ZTD

pania wrote: »

hi everyone!!!

well as promised some time back and as chased by red here is an update on life in the land of p. and with a quick flick of 2 fingers towards mr cyberman.

What is it with you and the more "eclectic" members of our society? Anyway - got a T shirt for you...



As for the SOA, have you put the mutt-minding somewhere?

pania

so that is that re the finances. not bad at all, especially once i work out where the rest has gone!! it is nice to have the breathing space for now but in december my surplus will be dropping back to zero again so making the most of it while i have it!! hoping that i can renegotiate the family payment in december if needed but the capital one debt willbe gone by then and i should also be able to get rid of the mcf loan by then too. not looking bad!! more of an update in the morning, i'm taking a little puppy dog off to bed now.

night night all. xxx

pania

ha ha very good zed!!!

pania

yes sure is taxi but incorporates an internet dongle for £25 plus vat. as i dont have access to a landline and all my family live in kent i'm kinda snookered. cant change the contract as not up for renewal yet but is £35 for 1200 mins and unlimited texts which isnt bad. the dongle can be cancelled in feb, woohoo!

taxi73

ahh to the puppy....lovely.
night night xx
all looking good if you have a surplus

taxi73

that's not bad then really I guess with the phone

pania

until very recently it was in excess of £150 per month :eek: god knows how!!

taxi73

Omg that's crazy!!!!!!