help please

wilf55

Statement of Affairs and Personal Balance Sheet

Monthly Income Details
Income from Employment (after tax). . . . . . . . . . . . . . . . . . . . . . . 0.00
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). . . . . . . . . . . 888.33
Income From Savings & Investments . . . . . . . . . . . . . . . . . . . . . . . 0.00
Gifts From Family / Friends . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
dla . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 269.00

Monthly Expense Details

In Your Home

Mobile Phone(s) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 35.00
TV Licence. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 23.00
Internet. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Home Phone. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 25.00
Cleaning Products/Cleaner . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Garden Maintenance. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Household Maintenance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Oil . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Electricity . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 90.00
Gas . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Water . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 42.68
Council Tax . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Overdraft Cost. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 82.33
Bank Account Fee. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Home Insurance. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Mortgage/Rent . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 21.67
Plumbing/Boiler Cover . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Mortgage Life Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Mortgage Payment Protection . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Life Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Food and Household Shopping . . . . . . . . . . . . . . . . . . . . . . . . . . 520.00
Drinks for Home . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00

Motoring & Public Transport

Petrol/Diesel . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 238.33
Parking . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Car Tax . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Car Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Car Maintenance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Rail/Bus/Taxi . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Breakdown Cover . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00

Debt Repayments

Credit Card Repayments. . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Hire Purchase Repayments. . . . . . . . . . . . . . . . . . . . . . . . . . . . 65.00
Personal Loan Repayments. . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Car Loan Repayments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00

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. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
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 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Travel Insurance. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
driving range . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 86.67

Entertainment

Satellite/Digital TV. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 60.00
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 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
IT/Computing (eg Anti-virus etc). . . . . . . . . . . . . . . . . . . . . . . . 0.00
DVD Rental. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Drinking Out. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Eating Out. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
golf club subs. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 22.50

Clothes, Health & Beauty

Complimentary Therapies . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Optical Bills . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Haircuts. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12.00
Dentistry . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Beauty Treatments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Healthcare Cashplans. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Dental Insurance. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Private Medical Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Fitness/Sports/Gym. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Work Clothes. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
New Children's Clothes. . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
New Clothes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00

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 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 50.00

Odds & Sods

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


Total monthly income. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1,157.33


Total monthly expenses. . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1,374.18




the problem is my son plays golf at international level so i cant cut the golf spends and need to find money to pay for these
i am on disabiltiy and in cap
oh is on income support ..he just got took off in cap as they say he is fit for work but he is not and we are appealling the appeal on his dla at the moment

please help...either to cut down or to make money somehow

we dont drink or smoke or go out and dd contributes to the sky bill this is our only extravagence

desperate here as i also need to find money for ds golf.. am looking at grants and sponsorship for this

HappyMJ

You need to cut down...a lot...Try reducing the shopping bill by half. £520 is a lot to spend.

Spending £82 on a overdraft is a lot too. Open a new account with a different bank and offer them an affordable monthly payment.

£60 is also a lot to spend on Sky. Does this include the contribution made by DD? If DD is paying for it all then don't include it on your SOA.

If you really have been putting £50 aside for Christmas then you should have quite a bit saved up. You can remove that from the SOA.

If DS wants to play golf so much then DS can get a part time job to pay for it or as you say sponsorship if you can find it.

dancingfairy

In Your Home

Mobile Phone(s) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 35.00 is this for 1 or 2 phones? see if you can reduce the package - every little helps
TV Licence. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 23.00 this is only for the first 6 months of owning 1 isn't it so should go down to 12 ish sometime?
Internet. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00 no internet?
Home Phone. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 25.00

Electricity . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 90.00 this is a bit high - I guess being at home a lot- make sure you are on decent tariff and don't leave lights on/waste electric etc.
Gas . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Water . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 42.68 would a meter work out cheaper? have you thought about this?
Council Tax . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00 I guess this is covered by benefits?
Overdraft Cost. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 82.33 eek - this is a good thing to cut down get rid off - how much is for the privelidge of having one and how much is the actual interest?

Home Insurance. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
this is essential - please tell me you have some?
Mortgage/Rent . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 21.67 the extra you pay after benefits?
Plumbing/Boiler Cover . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Mortgage Life Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Mortgage Payment Protection . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
you don't have this?
Life Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
or this?
Food and Household Shopping . . . . . . . . . . . . . . . . . . . . . . . . . .
520.00 how many are you feeding? if it's 4 or 5 then it's not too bad otherwise this might be a good target to reduce.

Motoring & Public Transport

Petrol/Diesel . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 238.33
Parking . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
You don't have to pay parking ever?
Car Tax . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Need to budget for this so it doesn't come up and bit you
Car Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
and this
Car Maintenance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
and something here

Debt Repayments

Hire Purchase Repayments. . . . . . . . . . . . . . . . . . . . . . . . . . . . 65.00

School Trips. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
School Meals. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Pocket Money. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
None of these? not sure how old your children are? and how many?

driving range . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 86.67

Entertainment

Satellite/Digital TV. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 60.00


golf club subs. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 22.50

Clothes, Health & Beauty

Haircuts. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12.00
Dentistry . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00 New Clothes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Nothing here?




Big One Offs


Birthdays . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Nothing here?
Summer Holiday. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Christmas . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 50.00



Hi - I've put some comments above for you. Basically your budget shows a surplus of 200 a month - clearly you don't have this? I suspect that a lot of it is going on the things you haven't accounted for.
I suggest you redo the budget and make it more accurate - look through bank statements/estimate and it will give you a much better idea of how you really stand. Also a spending diary - this will really show you where all your money goes - knowledge is power.
Also I would suggest having seperate accounts for things if possible - ie put away 50 a month for christmas then you know what's in that pot is for christmas and if you spend it on something else then you won't have it for christmas spends - same thing for car expenses/mot etc.
Once you see clearly where all your money is going you can then start to make choices better. - ie do we have holidays /spend loads of food and treat ourselves or does it go towards the golf? that sort of thing.
Good Luck
df

Mimi_Arc_en_ciel

How old is you DS? Can he not get a weekend job to pay for his golf?

I think Dancing fairy has covered everything - Your shopping bill is huge - Have you tried the old style boards for budget ideas? I use lovefoodhatewaste.com, try shopping online - Use a store compare to see where it is cheaper - downshift in products, use cash back sites etc

Your electric bill is high even if you are at home. Have you spoken to your supplier - is there another cheaper supplier? Turn everything off, dont leave things on standby.

If your surplus is £200 a month but you dont actually have that then keep a spends diary (write EVERYTHING in it, even to the last 1p) and see where the waste is.

wilf55

Mobile Phone(s) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 35.00 is this for 1 or 2 phones? see if you can reduce the package - 3 phones
TV Licence. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 23.00 this is only for the first 6 months of owning 1 isn't it so should go down to 12 ish sometime?
Internet. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00 no internet?free with phone bill (talktalk
Home Phone. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 25.00

Electricity/gas . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 90.00 this is a bit high - I guess being at home a lot- make sure you are on decent tariff and don't leave lights on/waste electric etc.
Water . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 42.68 would a meter work out cheaper? have you thought about this?
Council Tax . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00 I guess this is covered by benefits?
Overdraft Cost. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 82.33 eek - this is a good thing to cut down get rid off - how much is for the privelidge of having one and how much is the actual interest? paid up in 2 weeks!

Home Insurance. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
this is essential - please tell me you have some?
Mortgage/Rent . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 21.67 the extra you pay after benefits? yes rent arrears so pay £5 pw
Plumbing/Boiler Cover . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Mortgage Life Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Mortgage Payment Protection . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
you don't have this?
Life Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
or this?
Food and Household Shopping . . . . . . . . . . . . . . . . . . . . . . . . . .
520.00 how many are you feeding? if it's 4 or 5 then it's not too bad otherwise this might be a good target to reduce. feeding 4 + grandaughter 2 days per week and dd boyfriend
Motoring & Public Transport

Petrol/Diesel . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 238.33
Parking . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
You don't have to pay parking ever?
Car Tax . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Need to budget for this so it doesn't come up and bit you
Car Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
and this
Car Maintenance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
and something here

Debt Repayments

Hire Purchase Repayments. . . . . . . . . . . . . . . . . . . . . . . . . . . . 65.00

School Trips. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
School Meals. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Pocket Money. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
None of these? not sure how old your children are? and how many? ds age 14 dd 22 ds doesnt have pocket money he accepts that we pay for golf and have no cash

driving range . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 86.67

Entertainment

Satellite/Digital TV. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10.00 after daughter pays her bit


golf club subs. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 22.50

Clothes, Health & Beauty

Haircuts. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12.00
Dentistry . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00 New Clothes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Nothing here? just dont ever have the money to buy them




Big One Offs


Birthdays . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Nothing here?
Summer Holiday. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Christmas . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 50.00 nothing saved up but have 4 kids and 9 grand kids to buy for

Eyeballs99

If only I could spend that much on shopping and save for Christmas

Sounds like you are receiving too much to me

RAS

Hi

Please can you use the proper format with the full details. http://www.makesenseofcards.com/soacalc.html

If you are feeding DD, DD's boyfriend and a GD each week, where is their financial contribution coming from?

With respect to the golf, you need to find charitable support or sponsorship for him.

HappyMJ

DD is 22 and you pay for her and her BF....Get her to contribute something to the household. Anything..and not just the Sky. Should be at least £10 per week and up to around £50 per week depending on what she earns. Or tell her and her BF to buy and make their own food. Do they actually live with you? You said 2 days per week or is that just the weekend that you feed them?

Why do you pay for 3 phones? You should only be paying for your own. If anyone else wants one for emergencies then get each of them a giffgaff SIM and put £10 on it every 90 days. You get free calls between them.

You don't have to buy grandkids or adult kids christmas presents. It's nice but it's not needed. They should appreciate that you are in severe financial difficulty and that present swapping at christmas will be limited to home made stuff only. Don't get into debt for a pressie that's only going to be used a few times that put in the cupboard forever never to be seen again. They want your presence at christmas not your presents....At least they should..

ms_london

Sorry if this has been mentioned - you are paying for petrol / fuel, but no other car related costs? Also, your food bill is VERY high - pop over to the 'Old Style' board for more tips on reducing this.

Well done on posting, it is usually a big step to admit you are struggling financially - I'll pop back later then I have a bit more time to give xx

wilf55

my daughter generally pays for her own food she lives with me, is a student as does her boyfriend also a student but they generally buy everything themselves,

food bill includes cleaning products etc dog food, clothes etc which i buy rarely

car is covered by disability... petrol is high due to golf

i think i am going to try to make or buy very cheaply xmas presents i have 4 kids, 2 at home and i would like to buy for them, even something smallish and 9 grandkids although i would cut down on them

i am starting a spending diary as of today
i am looking at os recipies

mobile phones are locked in contract pay


Statement of Affairs and Personal Balance Sheet

Household Information
Number of adults in household........... 2
Number of children in household......... 1
Number of cars owned.................... 1

Monthly Income Details
Monthly income after tax................ 0
Partners monthly income after tax....... 0
Benefits................................ 1157.63
Other income............................ 0
Total monthly income.................... 1157.63

Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 65
Rent.................................... 21
Management charge (leasehold property).. 0
Council tax............................. 0
Electricity............................. 45
Gas..................................... 45
Oil..................................... 0
Water rates............................. 21
Telephone (land line)................... 25
Mobile phone............................ 35
TV Licence.............................. 23
Satellite/Cable TV...................... 10
Internet Services....................... 0
Groceries etc. ......................... 504
Clothing................................ 0
Petrol/diesel........................... 231
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)...... 30
Haircuts................................ 0
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 1055


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


Secured & HP Debts
Description....................Debt......Monthly...APR
Mortgage...................... 0........(0)........0
Hire Purchase (HP) debt ...... 950......(65).......0
Total secured & HP debts...... 950.......-.........-

Unsecured Debts
Description....................Debt......Monthly...APR
(Unnamed debt).................40........19........0
Total unsecured debts..........40........19........-


Monthly Budget Summary
Total monthly income.................... 1,157.63
Expenses (including HP & secured debts). 1,055
Available for debt repayments........... 102.63
Monthly UNsecured debt repayments....... 19
Amount left after debt repayments....... 83.63

Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -950
Total Unsecured debt.................... -40
Net Assets.............................. -990

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

wilf55

have rang ds golf coach to cancel his lesson and told him due to finances so he has offered him free lessons so that is a bonus although not accounted for on soa