statement of affairs

david_hellier

Correction it's £104.63 per week:
income weekly monthly
self 0.00
partner 1400.00
cb 110.00
tc 76.00





total 0.00 1586.00 divide by 4.33
£366.00

£366.00 total weekly income

spend weekly monthly
rent/mortgage 221.50
council tax 97.00
elec 39.00
gas 39.00
water
secured loans
TV licence 10.99
fines
ins 10.58
a+l loan 392.72
halifax cc 50.00
virgin cc 40.00
mbna 50.00
sky 21.99
aol 19.00
tt 25.00
kids ins 32.50
2 mobs 40.00
petrol 10.00











total 10.00 1089.28 divide by 4.33
£251.37

£261.37 total weekly spend

Start= income - spend = £104.63 per week

CLAPTON

i would suggest you repost your SoA and try to make it as complete as possible :

keeping a spending diary would help you.

also put all the figures as monthly figures and not some as weekly as it makes it very difficult to add everything up to see what you are actually spending.

you also need to consider all the yearly and one offs spends...for these work out what you are likely to spend over the next 12 months and divide by 12 and add to the monthly budget..e.g. so you will need to add car tax, car insurance, MOT, RAC/AA, servicing costs, allowance for odd repairs, something for clothes, holiday if you are likely to go away over the next 12 months, anything for presents, xmas, surely there are kids outttings, activities/parties etc that cost something.

also very helpful if you add up your income and also add up your monthly spending before debts and then add up the debt monthly payments....only then it is clear whether you are overspending or underspending and by how much