SOA help?

neilscot44

HappyMJ wrote: »

It's closer still need to find £91 per month. Are you sure that road tax is £396 per year? Your car's maintenance bill is quite high considering your fuel bill is only £60 per month. And Electricity...£89 is quite high. If it includes arrears they'll be written off in BR so no need to include them.

Dam forgot to change the road tax, that was for both cars.
ok back to drawing board and see what else i can change!.
The electricity well thats a DD each month which bablances out over the year, if they owe you, you get the amount lowered if we oe them it goes up a bit each month. its just been lowered from £109 a mth.
Electricity is our main energy, gas for the cooker only.

neilscot44

Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 2
Number of children in household.........
Number of cars owned.................... 1
Monthly Income Details
Monthly income after tax................ 436
Partners monthly income after tax....... 0
Benefits................................ 520
Other income............................ 0
Total monthly income.................... 956
Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 450
Management charge (leasehold property).. 0
Council tax............................. 26
Electricity............................. 89
Gas..................................... 14
Oil..................................... 0
Water rates............................. 0
Telephone (land line)................... 56
Mobile phone............................ 0
TV Licence.............................. 12
Satellite/Cable TV...................... 0
Internet Services....................... 20
Groceries etc. ......................... 180
Clothing................................ 0
Petrol/diesel........................... 60
Road tax................................ 11
Car Insurance........................... 18
Car maintenance (including MOT)......... 20
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)...... 0
Haircuts................................ 0
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 956

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
Total unsecured debts..........0.........0.........-

Monthly Budget Summary
Total monthly income.................... 956
Expenses (including HP & secured debts). 956
Available for debt repayments........... 0
Monthly UNsecured debt repayments....... 0
Amount left after debt repayments....... 0
Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -0
Total Unsecured debt.................... -0
Net Assets.............................. 0
Created using the SOA calculator at www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission, using IE browser.

neilscot44

Hmm well a lot can happen in two months..
Just about ready now to go BR, dealt with my car which i no longer have, and two debts less.
However my relationship has now ended after 9 years, although we are sharing the rented house until the lease is up in feb, but then i could be homeless as i cant afford the rent on my own.
Ive been signed of college now for over a month and signed off until the middle of January.
Had what could probably be my crappiest birthday the other day and i am certainly not looking forward to christmas at all, ive been trying to joke about it saying i will have a lidl roast ready meal for my christmas dinner then listen to my billy no mates cd!!
It feel like i am wading through quicksand every day, everthing is such a struggle.
I know i am not alone in the fact so many of you have/are going through the same problems..
Got another CAB meeting next wednesday so hopefully i will have things in order to file for my lila. I have the £100 required for this.
Ive filled in all the relevant local housing application forms, but there is just no houses available. Not sure if i can survive all this everytime i try to stand up i get booted down again.
ha funny story, i was getting loads of phone calls from a debt company looking for somebody else, told then on numerous ocassions the person did not live here, got to the point there i shouted at the asian sounding person on the phone to stop bloo** calling, ha she then proceeded to call me a bas**** then phoning back saying the same.. so i got a brand new telephone number, suppose the good bit is my own creditors dont have my new number to hound me.
so that the latest anyway..

Tupperware_Queen

oh neil,I'm so sorry things are so rubbish, but keep hanging in there, it will get better. sorry not got any good advice, just wanted to wish you well

confused76

hi neil i am so sorry to hear things are bad for you at the moment....sounds like you've got a lot to deal with. i hope 2011 is a kinder year to you
can you afford to rent a room in a shared house? or could you stay with family until you're back on your feet?
feel free to pm me if you need a chat take care x

neilscot44

thanks tupperware and confused for your kind words.
Ye sure family will help out if things get really desperate, guess main thing is now to get my next meeting out the way with cab next week.