The Ramblings of Madness

orangesmartie

Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 1
Number of children in household......... 0
Number of cars owned.................... 1
Monthly Income Details
Monthly income after tax................ 1339
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 1339
Monthly Expense Details
Mortgage................................ 188
Secured/HP loan repayments.............. 109.69999999999999
Rent.................................... 225.03
Management charge (leasehold property).. 0
Council tax............................. 75
Electricity............................. 25
Gas..................................... 25
Oil..................................... 0
Water rates............................. 13
Telephone (land line)................... 10
Mobile phone............................ 18
TV Licence.............................. 12.37
Satellite/Cable TV...................... 21.5
Internet Services....................... 6.49
Groceries etc. ......................... 200
Clothing................................ 5
Petrol/diesel........................... 200
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).... 10
Pet insurance/vet bills................. 20
Buildings insurance..................... 0
Contents insurance...................... 10
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 5
Haircuts................................ 35
Entertainment........................... 35
Holiday................................. 0
Emergency fund.......................... 0
(Unnamed monthly expense)............... 0
dog walking............................. 70
Total monthly expenses.................. 1319.09

Assets
Cash.................................... 0
House value (Gross)..................... 110000
Shares and bonds........................ 0
Car(s).................................. 2000
Other assets............................ 0
Total Assets............................ 112000

Secured & HP Debts
Description....................Debt......Monthly...APR
Mortgage...................... 36500....(188)......3.75
Hire Purchase (HP) debt ...... 770......(109.7)....16.9
Total secured & HP debts...... 37270.....-.........-
Unsecured Debts
Description....................Debt......Monthly...APR
lloyds loan....................2082......60........12.4
barclaycard....................4405......110.......0
overdraft......................1080......5.........18.9
Total unsecured debts..........7567......175.......-

Monthly Budget Summary
Total monthly income.................... 1,339
Expenses (including HP & secured debts). 1,319.09
Available for debt repayments........... 19.91
Monthly UNsecured debt repayments....... 175
Amount short for making debt repayments. -155.09
Personal Balance Sheet Summary
Total assets (things you own)........... 112,000
Total HP & Secured debt................. -37,270
Total Unsecured debt.................... -7,567
Net Assets.............................. 67,163
Created using the SOA calculator at www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission, using IE browser.

orangesmartie

ok i know it looks weird, but its purely this month's budget, so things I've already paid for annually is not incuded - its to show what's coming out this month.

I am a bit shocked that its showing that i'm short this month and i can't work out why. I always make sure my bills etc are covered and then shopping/entertainment/anything else comes out of what is left, so I cut my cloth accordingly.

But my normally household bills etc comes to just under £1000.

And the petrol costs have shot way up because in changing to this job its 100 mile round trip and costing about £80 per week. Thankfully I'm only here until the end of July and then moving to a job much closer to home, so fuel costs will drop then.

If i haven't miscalculated and i'm really going to be overbudget this month then i'm glad i've got a safety net stashed away to help.

And i know i'll be frugal with the shopping, £200 is an overestimate!

but have to build in my trip to silverstone this month, which is going to need food/drinks/petrol.

Oh well, at least i have the rest of my day to fiddle with expenses!

and I'm actually over £300 short this month, due to a !!!! up in payroll. I will get that back next month, but that doesn;t help right now.

orangesmartie

Just updating the SOA based on new figures and the addition of uni fees

Household Information[/b]
Number of adults in household........... 1
Number of children in household......... 0
Number of cars owned.................... 1

Monthly Income Details
Monthly income after tax................ 1663
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 250 Expenses - covers all parking charges and petrol. Varies monthly but covers the car outgoings.
Total monthly income.................... 1913

Monthly Expense Details
Mortgage................................ 189
Secured/HP loan repayments.............. 0
Rent.................................... 233
Management charge (leasehold property).. 0
Council tax............................. 74
Electricity............................. 30
Gas..................................... 10
Oil..................................... 0
Water rates............................. 13
Telephone (land line)................... 10
Mobile phone............................ 20
TV Licence.............................. 12.37
Satellite/Cable TV...................... 10.75
Internet Services....................... 6.49
Groceries etc. ......................... 200
Clothing................................ 5
Petrol/diesel........................... 200 Varies month on month. Big shop including dog food, toiletries etc every 2-3 months. then top up fresh.
Road tax................................ 7
Car Insurance........................... 28
Car maintenance (including MOT)......... 10
Car parking............................. 50
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 7.4
Pet insurance/vet bills................. 25
Buildings insurance..................... 0
Contents insurance...................... 10
Life assurance ......................... 0
Other insurance......................... 17.33
Presents (birthday, christmas etc)...... 0 Don't save anything here, but is bought out of left over cash after bills are paid.
Haircuts................................ 25
Entertainment........................... 0
Holiday................................. 100
Emergency fund.......................... 0
(Unnamed monthly expense)............... 0
dog walking............................. 70
mortgage insurance...................... 24.47
Total monthly expenses.................. 1387.81


Assets
Cash.................................... 0
House value (Gross)..................... 108000
Shares and bonds........................ 0
Car(s).................................. 2000
Other assets............................ 0
Total Assets............................ 110000


Secured & HP Debts
Description....................Debt......Monthly...APR
Mortgage...................... 36000....(189)......3.75
Total secured & HP debts...... 36000.....-.........-

Unsecured Debts
Description....................Debt......Monthly...APR
lloyds loan....................1989......60........12.4 - loan - 4 years left
barclays.......................900.......50........18.9 - Overdraft.
barclaycard....................4088......100.......0 - limit £7000. Overpaying by £100 p/m
amazon.........................3450......35........0 - limit £6000
Total unsecured debts..........10427.....245.......-


Monthly Budget Summary
Total monthly income.................... 1,913
Expenses (including HP & secured debts). 1,387.81
Available for debt repayments........... 525.19
Monthly UNsecured debt repayments....... 245
Amount left after debt repayments....... 280.19

Personal Balance Sheet Summary
Total assets (things you own)........... 110,000
Total HP & Secured debt................. -36,000
Total Unsecured debt.................... -10,427
Net Assets.............................. 63,573

orangesmartie

Statement of Affairs and Personal Balance Sheet

Household Information
Number of adults in household........... 1
Number of children in household......... 0
Number of cars owned.................... 1

Monthly Income Details
Monthly income after tax................ 1663
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 1663

Monthly Expense Details
Mortgage................................ 190
Secured/HP loan repayments.............. 0
Rent.................................... 234
Management charge (leasehold property).. 0
Council tax............................. 74
Electricity............................. 25
Gas..................................... 5
Oil..................................... 0
Water rates............................. 20
Telephone (land line)................... 8.99
Mobile phone............................ 15
TV Licence.............................. 12.37
Satellite/Cable TV...................... 10.75
Internet Services....................... 6.49
Groceries etc. ......................... 150
Clothing................................ 0
Petrol/diesel........................... 100
Road tax................................ 7.5
Car Insurance........................... 30
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 7.4
Pet insurance/vet bills................. 20
Buildings insurance..................... 0
Contents insurance...................... 12
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 0
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 0
dog walking............................. 70
mortgage ins............................ 24.47
boiler ins.............................. 15
Total monthly expenses.................. 1037.97


Assets
Cash.................................... 400
House value (Gross)..................... 108500
Shares and bonds........................ 0
Car(s).................................. 2000
Other assets............................ 0
Total Assets............................ 110900


Secured & HP Debts
Description....................Debt......Monthly...APR
Mortgage...................... 35600....(190)......3.75
Total secured & HP debts...... 35600.....-.........-

Unsecured Debts
Description....................Debt......Monthly...APR
overdraft......................810.......50........18.9
barclaycard....................1600......40........0
amazon.........................5800......58........0
Lloyds loan....................1800......60........12.4
Total unsecured debts..........10010.....208.......-


Monthly Budget Summary
Total monthly income.................... 1,663
Expenses (including HP & secured debts). 1,037.97
Available for debt repayments........... 625.03
Monthly UNsecured debt repayments....... 208
Amount left after debt repayments....... 417.03

Personal Balance Sheet Summary
Total assets (things you own)........... 110,900
Total HP & Secured debt................. -35,600
Total Unsecured debt.................... -10,010
Net Assets.............................. 65,290

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