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Twinki

Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 2
Number of children in household......... 0
Number of cars owned.................... 1
Monthly Income Details
Monthly income after tax................ 0
Partners monthly income after tax....... 2024
Benefits................................ 707
Other income............................ 180
Total monthly income.................... 2911
Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 460
Management charge (leasehold property).. 0
Council tax............................. 46
Electricity............................. 41
Gas..................................... 45
Oil..................................... 0
Water rates............................. 28
Telephone (land line)................... 34
Mobile phone............................ 120
TV Licence.............................. 13
Satellite/Cable TV...................... 0
Internet Services....................... 20
Groceries etc. ......................... 250
Clothing................................ 0
Petrol/diesel........................... 100
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...................... 45
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 0
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 1202

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
Natwest........................507.......14........14
Santander (Mine)...............4000......0.........18
Santander (Hubby)..............1200......8.........18
Overdraght.....................2700......0.........18
Total unsecured debts..........8407......22........-

Monthly Budget Summary
Total monthly income.................... 2,911
Expenses (including HP & secured debts). 1,202
Available for debt repayments........... 1,709
Monthly UNsecured debt repayments....... 22
Amount left after debt repayments....... 1,687
Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -0
Total Unsecured debt.................... -8,407
Net Assets.............................. -8,407

McKneff

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Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 2
Number of children in household......... 0
Number of cars owned.................... 1
Monthly Income Details
Monthly income after tax................ 0
Partners monthly income after tax....... 2024
Benefits................................ 707
Other income............................ 180
Total monthly income.................... 2911
Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 460
Management charge (leasehold property).. 0
Council tax............................. 46
Electricity............................. 41
Gas..................................... 45
Oil..................................... 0
Water rates............................. 28 Is this metered, ifnot,get one
Telephone (land line)................... 34 Combine this with internet service
Mobile phone............................ 120 Wow,whatkind of a tarrif are you on
TV Licence.............................. 13
Satellite/Cable TV...................... 0
Internet Services....................... 20
Groceries etc. ......................... 250
Clothing................................ 0
Petrol/diesel........................... 100
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...................... 45 Shop around, this could be halved at least.
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 0
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 0

MoneySaving Newbie

paulwellerfan

mobile phone 120....
you running half of virgin ...??/
you need to change this ASAP

honeybear68

Hi Twinki

welcome, I wish I had that for debt repayments. It is interesting reading your mobile phone bill definately needs addressing, also ring around for contents insurance you could get a better deal you haven't put anything in for car running costs such as mot car tax maintainance etc, clothing, these things all need to accounted for there are an awful lot of blank spaces ie do you and hubby not go out at all or have a holiday. it might only seema small amount but it needs to be included so you have a better picture.

GavB79

With a partner earning £35k and no kids, what are the £700 benefits for?

Edit: I see this has been answered on a duplicate thread