Changed a few bits but how to recalulate

Annie_99

Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 2
Number of children in household......... 3
Number of cars owned.................... 1
Monthly Income Details
Monthly income after tax................ 900
Partners monthly income after tax....... 1467
Benefits................................ 400
Other income............................ 0
Total monthly income.................... 2767
Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 625
Management charge (leasehold property).. 0
Council tax............................. 99
Electricity............................. 40
Gas..................................... 107 We have just moved house and this is the rate with this supplier I know I need to change.
Oil..................................... 0
Water rates............................. 25
Telephone (land line)................... 40
Mobile phone............................ 60
TV Licence.............................. 12
Satellite/Cable TV...................... 0
Internet Services....................... 30
Groceries etc. ......................... 400 this is for 5 people
Clothing................................ 20
Petrol/diesel........................... 40
Road tax................................ 20
Car Insurance........................... 15
Car maintenance (including MOT)......... 30
Car parking............................. 0
Other travel............................ 60 This is train and bus fare to work
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 10.4
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 13
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 5
Haircuts................................ 20
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 10
Total monthly expenses.................. 1721.4

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
next...........................327.26....30........0
rbs loan.......................13........269.......0 This should read 13,000 not
rbs overdraft..................2000......0.........0
john lewis.....................958.82....40........0
barclaycard....................4134......100.......0
capital one....................487.72....25........0
Total unsecured debts..........7920.8....464.......-

Monthly Budget Summary
Total monthly income.................... 2,767
Expenses (including HP & secured debts). 1,721.4
Available for debt repayments........... 1,045.6
Monthly UNsecured debt repayments....... 464
Amount left after debt repayments....... 581.6
Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -0
Total Unsecured debt.................... -7,920.8
Net Assets.............................. -7,920.8
Created using the SOA calculator at www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission, using IE browser.

NorthernLas

Annie - it would be much better if you just replied to your own thread. Then you can keep the responses in one place and people don't get confused - TA

WASHER

Annie,

Could I kindly ask you to keep all your post on one thread, it makes it far far easier for us.

Someone will probably move this over later, but please post on your original thread.

Simply click onto post reply on the other thread.

WASHER.x.

mum2one

Annie_99 wrote: »

Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 2
Number of children in household......... 3
Number of cars owned.................... 1
Monthly Income Details
Monthly income after tax................ 900
Partners monthly income after tax....... 1467
Benefits................................ 400
Other income............................ 0
Total monthly income.................... 2767
Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 625
Management charge (leasehold property).. 0
Council tax............................. 99
Electricity............................. 40
Gas..................................... 107 We have just moved house and this is the rate with this supplier I know I need to change.
Oil..................................... 0
Water rates............................. 25
Telephone (land line)................... 40 - look at reducing the landline - if its not tied in with broadband, look at the companies that you can put a 4 digit code and dial - theres a sticky on the site somewhere
Mobile phone............................ 60 - thats high, I'm guessing 2 phones, would you be better on sim only or pay and go deal
TV Licence.............................. 12
Satellite/Cable TV...................... 0
Internet Services....................... 30 - thats high, I pay £7 per month, unlimited useage - AOL
Groceries etc. ......................... 400 this is for 5 people
Clothing................................ 20
Petrol/diesel........................... 40
Road tax................................ 20
Car Insurance........................... 15
Car maintenance (including MOT)......... 30
Car parking............................. 0
Other travel............................ 60 This is train and bus fare to work
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 10.4
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 13
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 5 - now that is a budget I like, but £60 a year?????
Haircuts................................ 20
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 10
Total monthly expenses.................. 1721.4

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
next...........................327.26....30........0
rbs loan.......................13........269.......0 This should read 13,000 not
rbs overdraft..................2000......0.........0
john lewis.....................958.82....40........0
barclaycard....................4134......100.......0
capital one....................487.72....25........0
Total unsecured debts..........7920.8....464.......-

Monthly Budget Summary
Total monthly income.................... 2,767
Expenses (including HP & secured debts). 1,721.4
Available for debt repayments........... 1,045.6
Monthly UNsecured debt repayments....... 464
Amount left after debt repayments....... 581.6
Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -0
Total Unsecured debt.................... -7,920.8
Net Assets.............................. -7,920.8
Created using the SOA calculator at www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission, using IE browser.

Did notice you have nothing allocated for Rbs overdraft??

Just popped a couple of pointers in, but can you chuck any excess off the debts to get them down quicker? x