going it alone and tackling the debt.

chevalier

Hi there well done on continuing the battle. Sorry your ex is still being a pain. And i agree he should be giving you at least the cost of the snowboarding trip for the kids.... silly bloke.

Here is the link for the SOA. You have to click the format for MSE button

chev

http://www.makesenseofcards.com/soacalc.html

fizzypops

chevalier wrote: »

Here is the link for the SOA. You have to click the format for MSE button

chev

http://www.makesenseofcards.com/soacalc.html

thankyou will fill it in as soon as i have exact figures, bit scared but i HAVE to do it!!

fizzypops

Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 1
Number of children in household......... 2
Number of cars owned.................... 1
Monthly Income Details
Monthly income after tax................ 0
Partners monthly income after tax....... 0
Benefits................................ 778.44
Other income............................ 0
Total monthly income.................... 778.44
Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 0 recieving housing benefit
Management charge (leasehold property).. 0
Council tax............................. 0 council tax benefit
Electricity............................. 40
Gas..................................... 60
Oil..................................... 0
Water rates............................. 29.98
Telephone (land line)................... 10.99
Mobile phone............................ 10
TV Licence.............................. 12.54
Satellite/Cable TV...................... 25.5
Internet Services....................... 9.99
Groceries etc. ......................... 200 need to cut this down
Clothing................................ 0
Petrol/diesel........................... 80 need to save on this too
Road tax................................ 0
Car Insurance........................... 40.99 due for renewal july 2011
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 35.79 swimming and school clubs
Medical (prescriptions, dentist etc).... 26
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 24.15
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 0
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 605.93

Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 3000
Other assets............................ 0
Total Assets............................ 3000

No Secured nor Hire Purchase Debts
Unsecured Debts
Description....................Debt......Monthly...APR
hsbc cc........................298.74....7.64......21.9
santander cc...................984.33....41.09.....18.12

fizzypops

it has not shown my end balance for some reason maybe i done it wrong? it did show a balance of £121.00 i think ill have to work it out on my calculator.

fizzypops

right i think ive added it all right and apparently i should have 123.78 left at the end of each month, i have not included car tax, mot hair cut etc as i just wanted to know mainly about direct debits and debts. really need to start putting some money into savings account for car tax etc so its not such a shock to my bank when i do need to pay for those types of things.
now i need to try and cut back on things especially food and petrol.

Radish72

Hi Fizzypop

Just read through your diary and wanted to welcome you and tell you to keep up all the good work

My best mate ex did similar to her, never wanted to see his kids, always had to be on his terms, used money as power. Now 7 years later his kids thinks he's a prat.

Kids remember the fun stuff, so play games, have a DVD day with some homemade popcorn, walk the dog in the woods with a picnic.

This is what your kids will remember

(Looks like your SOA somehow got chopped)

fizzypops

hi Radish72, thanks for popping into my diary, i tend to take each day as it comes at the moment and so far today i have been feeling quite positive.

i have searched even more for change to put in my bank and have now found another £2ish. i have got some money bags now so i have an hour before i have to pick kids up from school to count it all up then we will go straight to the bank after school.
cooking a chilli tonight so hopefully that should warm me up as im too tight to put the heating on when the kids are not here so i am sat here freezing!!! :cool: (moneysaving i suppose!!)

going to start to do my food shopping online from now on as i can see how much im spending and i can always search the internet for delivery codes, but if i cant find one i can get shopping delivered between 8pm - 10pm for £3.00. i think i would save quite a bit of money doing it online as i always end up putting extras in my trolley!!

going to try and keep my shopping to under £40 a week for food, dog food, cleaning products and toiletries etc.

fizzypops

total spend for yesterday: £11.00


well i managed to bank £45.56 in change i found around the house!! :T

bought a xmas tree at local supermarket for £7.00 and some decs to go on it for £4.00, that is all my xmas decs bought now so happy about that but not happy that kids keep nagging me to put them up already!! :cool: jut have to get the lights to go around my porch out of the loft.

need to change euros over today just need to check who does the best price.

hoping for a nsd today as im sure i dont need anything.

xx

Radish72

fizzypops wrote: »

well i managed to bank £45.56 in change i found around the house!! :T

Not fair, everytime I go on a money hunt round the house/pockets all I ever find are tampons and abandoned socks

frasersmum123

Good luck with your journey - it sounds like you are doing a grand job