I think this might help.

tbourner

The dark side has caught up with me, my boredom has set in, I want a new car.

Projections suggest I can get a loan and be paying out £75 a month less than I am now, but at a slightly higher average percentage, and move my DFD out by 7 months! I do however go from a 22mpg 17 year old car to a 49mpg 5 year old car, plus I get a motorbike for commuting!! I just can't resist a deal like that.

tbourner

Cut down summary, just over one year since I was last around!!


Statement of Affairs and Personal Balance Sheet

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

Secured & HP Debts
Description....................Debt......Monthly...APR
Mortgage...................... 109000...(580)......4.79
Total secured & HP debts...... 109000....-.........-

Unsecured Debts
Description....................Debt......Monthly...APR
NW loan........................5072......267.......6.9
LL loan........................2675......206.......11.5
MW loan........................7284......208.......15.9
OD.............................2634......24........12.3
Visa...........................1627......24........12.3
NRAM loan......................28000.....150.......4.79
Total unsecured debts..........47292.....879.......-


Monthly Budget Summary
Total monthly income.................... 3,071
Expenses (including HP & secured debts). 1,896
Available for debt repayments........... 1,175
Monthly UNsecured debt repayments....... 879
Amount left after debt repayments....... 296

Personal Balance Sheet Summary
Total assets (things you own)........... 151,250
Total HP & Secured debt................. -109,000
Total Unsecured debt.................... -47,292
Net Assets.............................. -5,042



Net assets up from -£21,751 to just -£5,042! Not bad.
We do now spend less on mobiles and pets, but still get takeaways and £80 on cigs and alcohol!! Need to try to get wifey to quit again.

The rest is pretty much the same as last years outgoings, except for some reason groceries has gone up to £327!!! No idea why so going to see where I went wrong before, it certainly seems more accurate now based on my money available at the end of each month, so really still need to cut that down.
Going to go through my spending diary at some point and see if I can see where it's all going.

On personal notes; Now a lead Engineer and avoided being put at risk for upcoming redundancies, problem is rumours suggest there are more coming next year .
Got exam next month for my degree, next module starts next month too, should complete and get my BEng in 2014.
Wife is still doing her behaviourist training, and we help people for free at the moment, maybe at some point we can start doing it part time and charge for it.
Looking to go on holiday! Neither of us have ever had one, so thinking we might go to Ireland for a few days to see how we get on with planes and all the scary things involved with going away. Then if that goes well we'll look to go somewhere a bit more exciting in 2 years or so, maybe canaries or something.