Where does all my money go???

life_in_termoil

Not been here for ages and ive fell off the wagon!!!

The non smoking lasted all of a couple of weeks, but today was a new start so this morning I put on my patch and will have another go.

My finances are diabolical!!!! since my last SOA ive lost 300 maintenance money (ex has given up his job to move 150 miles away to be with his g/friend and her 2 kids) lost 400 rent money from my friend who has gone back to college, the electricity bill has spiralled out of control and I now pay then 68 a WEEK and I now only work 16 hours a week as the pub is struggling and cant give me the hours.

Food I havent got a clue what ive been spending as ive not been keeping my spending diary, oh and had to lend money off mum to buy a new car which I have had for 16 days and is now in the garage being repaired!!! So as you can see its all good fun NOT!!!

Anyway here is my new SOA

Statement of Affairs and Personal Balance Sheet

Household Information
Number of adults in household........... 1
Number of children in household......... 3
Number of cars owned.................... 1

Monthly Income Details
Monthly income after tax................ 398.66
tax credits............................. 793
housing benefit......................... 650
child benefit........................... 188
Total monthly income.................... 2029.66

Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 650
Management charge (leasehold property).. 0
Council tax............................. 0
Electricity............................. 300
Gas..................................... 50
Oil..................................... 0
Water rates............................. 18
Telephone (land line)................... 30
Mobile phone............................ 100
TV Licence.............................. 14
Satellite/Cable TV...................... 30
Internet Services....................... 30
Groceries etc. ......................... 400
Clothing................................ 10
Petrol/diesel........................... 80
Road tax................................ 15
Car Insurance........................... 25
Car maintenance (including MOT)......... 21
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 10.66
Buildings insurance..................... 0
Contents insurance...................... 9.57
Life assurance ......................... 10.57
Other insurance......................... 0
Presents (birthday, christmas etc)...... 50
Haircuts................................ 0
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 1853.8


Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 4500
Other assets............................ 0
Total Assets............................ 4500

No Secured nor Hire Purchase Debts

Unsecured Debts
Description....................Debt......Monthly...APR
mum............................4350......100.......0
cat............................1880......30........0
cat............................555.......10.5......0
cat............................1190......20.5......0
cat............................600.......9.........0
Total unsecured debts..........8575......170.......-


Monthly Budget Summary
Total monthly income.................... 2,029.66
Expenses (including HP & secured debts). 1,853.8
Available for debt repayments........... 175.86
Monthly UNsecured debt repayments....... 170
Amount left after debt repayments....... 5.86

Personal Balance Sheet Summary
Total assets (things you own)........... 4,500
Total HP & Secured debt................. -0
Total Unsecured debt.................... -8,575
Net Assets.............................. -4,075

Created using the SOA calculator at www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission, using Firefox browser.

Please feel free to add your comments xxx

maman

Good to see you back termoil. Shame you've had a blip but well done on getting back on the wagon. Any chance you'll get another lodger? Another job?

InaPickle

Hi Termoil!

Good to see you again. And don't worry...trust me when I say that you are not the only person who has fallen off the wagon spectacularly. Get your diary up and runninng and you'll find it gets you right back on track.

Gotta run, but will be back soon. x

life_in_termoil

Well I managed to get through yesterday with a NSD and a no ciggy day YAY ME!!! Back in work tonight after loosing 10 hours work due to having no car to get me to work Grrrrrrrrrrrr but on the plus side I did get 4 numbers on 1 line and 3 numbers on another line on the lotto last night (£68) AND won £50 playing bingo so Ive made up my loss of earnings lol.

Today im hoping for a NSD and i need to do a meal plan and get reorganised. My house is a !!!!!! tip and its getting on my nerves so today my hands will be kept busy by cleaning lol.

Mount washmore is about 10 ft high and getting taller by the day I need to get it sorted!! I just dont know why ive been so lazy someone please give me a kick up the back side and help me to try to get rid of the I CANT BE A$$ED attitude ive suddenly developed.

Ive decided im not going to get another lodger in as it just complicates things with housing benefit and council tax benefit plus I wouldnt dare show anyone the house the state its in at the moment.

Anyway had my whinge im off to clean,

Have a good day everyone
LIT xxx