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Statement of affairs

Boyer67
Boyer67 Posts: 24 Forumite
in Debt-free wannabe
Statement of Affairs and Personal Balance Sheet

Monthly Income Details
Income from Employment (after tax). . . . . . . . . . . . . . . . . . . . . . . 823.33
Income from Self Employment (before tax). . . . . . . . . . . . . . . . . . . . 216.67
State Pension . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Private Pension / Annuity Payout. . . . . . . . . . . . . . . . . . . . . . . . 0.00
Benefits (Inc. Child Benefit/Tax Credits & Income Support). . . . . . . . . . . 0.00
Income From Savings & Investments . . . . . . . . . . . . . . . . . . . . . . . 0.00
Gifts From Family / Friends . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00

Monthly Expense Details

In Your Home

Mobile Phone(s) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 43.00
TV Licence. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14.00
Internet. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Home Phone. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Cleaning Products/Cleaner . . . . . . . . . . . . . . . . . . . . . . . . . . . 5.00
Garden Maintenance. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Household Maintenance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Oil . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Electricity . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Gas . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Water . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Council Tax . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 122.00
Overdraft Cost. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 30.00
Bank Account Fee. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Home Insurance. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Mortgage/Rent . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 245.00
Plumbing/Boiler Cover . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Mortgage Life Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Mortgage Payment Protection . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Life Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Food and Household Shopping . . . . . . . . . . . . . . . . . . . . . . . . . . 50.00
Drinks for Home . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
toiletries. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15.00
Guitar. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10.00

Motoring & Public Transport

Petrol/Diesel . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 80.00
Parking . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Car Tax . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9.17
Car Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 50.00
Car Maintenance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16.67
Rail/Bus/Taxi . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Breakdown Cover . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00

Debt Repayments

Credit Card Repayments. . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Hire Purchase Repayments. . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Personal Loan Repayments. . . . . . . . . . . . . . . . . . . . . . . . . . . . 100.00
Car Loan Repayments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
overdraft . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00

Savings & Investments

Pension Payments. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Buying Shares . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Investments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Mini Cash ISAs. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Lump Sum Saving . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Regular Saving. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00

Family

Pet Food. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
School Trips. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
School Meals. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Pocket Money. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Nappies/Baby Extras . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Laundry/Dry Cleaning. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Children's Travel . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Baby Sitting. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Childcare/Play Groups . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Pet Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Travel Insurance. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00

Entertainment

Satellite/Digital TV. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Family Days Out . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Cinema/Theatre Trips. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Books/Music/Films/Computers . . . . . . . . . . . . . . . . . . . . . . . . . . 15.00
Big Days Out. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Shopping for Fun. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Pet Costs . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Hobbies . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
IT/Computing (eg Anti-virus etc). . . . . . . . . . . . . . . . . . . . . . . . 0.00
DVD Rental. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Drinking Out. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 20.00
Eating Out. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00

Clothes, Health & Beauty

Complimentary Therapies . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Optical Bills . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Haircuts. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12.00
Dentistry . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4.17
Beauty Treatments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Healthcare Cashplans. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Dental Insurance. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Private Medical Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Fitness/Sports/Gym. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 31.00
Work Clothes. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1.67
New Children's Clothes. . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
New Clothes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00

Education & Courses

University Tuition Fees . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
School Fees . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Your Courses. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00

Big One Offs

Funeral Expenses. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Wedding Expenses. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Sofa/Kitchen/TV . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Birthdays . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 100.00
Winter Holiday. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Summer Holiday. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Christmas . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8.33

Odds & Sods

Newspapers & Magazines. . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Tax & NI Provisions (self-employed only). . . . . . . . . . . . . . . . . . . . 0.00
Regular Charity Donations . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Meals at work . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Smokes. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Coffees/Sandwiches/Snacks . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00


Total monthly income. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1,040.00


Total monthly expenses. . . . . . . . . . . . . . . . . . . . . . . . . . . . . 982.00

Comments

  • Boyer67
    Boyer67 Posts: 24 Forumite
    I am currently £2300 overdrawn (and have been since University) and I am desperately trying to get back on an even keel in the fastest time possible. Please Help! :j
  • CH27
    CH27 Posts: 5,531 Forumite
    Hi

    Do you really spend £100 per month on birthdays?

    Your mobile bill is high. Can you swap to pay as you go or reduce a tarriff?

    Can you cancel your gym membership?
    Try to be a rainbow in someone's cloud.
  • [Deleted User]
    [Deleted User] Posts: 0 Newbie
    Monthly Income Details
    Income from Employment (after tax) . . . . . . . . 823.33
    Income from Self Employment (before tax) . . . . . 216.67

    Monthly Expense Details
    In Your Home
    Mobile Phone(s) . . . . . . . . . . . . . . . . . . 43.00 This is high, if you are in contract drop a tariff - if/when you are out of contract look at SIM only deals or go PAYG
    TV Licence. . . . . . . . . . . . . . . . . . . . . 14.00 (12.37)
    Cleaning Products/Cleaner . . . . . . . . . . . . . 5.00
    Don't you pay anything for gas or electric?
    Council Tax . . . . . . . . . . . . . . . . . . . 122.00 If you are paying this over 10 months see if you can spread it over 12
    Overdraft Cost. . . . . . . . . . . . . . . . . . . 30.00
    Mortgage/Rent . . . . . . . . . . . . . . . . . . 245.00
    Life Insurance . . . . . . . . . . . . . . . . . . . . . Food and Household Shopping . . . . . . . . . . . . 50.00 (is this realistic?)
    toiletries. .. . . . . . . . . . . . . . . . . . . 15.00 quite high to spend every month
    Guitar. .. . . . . . . . . . . . . . . . . . . . . 10.00

    Motoring & Public Transport
    Petrol/Diesel . . . . . . . . . . . . . . . . . . 80.00 Are all journeys essential?
    Car Tax . . .. . . . . . . . . . . . . . . . . . . 9.17
    Car Insurance . . . . . . . . . . . . . . . . . . . 50.00 Quite high, shop around at renewal
    Car Maintenance . . . . . . . . . . . . . . . . . 16.67

    Debt Repayments
    Credit Card Repayments. . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
    Hire Purchase Repayments. . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
    Personal Loan Repayments . . . . . . . . . . . . . 100.00 How much is this loan for? When will it be paid off? And what's the APR?
    overdraft . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00 Need to include your Overdraft here

    Entertainment
    Books/Music/Films/Computers . . . . . . . . . . . . 15.00 What does this get spent on - is it good value? Can you shop around and get the same for cheaper elsewhere?
    Drinking Out . . . . . . . . . . . . . . . . . . . 20.00

    Clothes, Health & Beauty
    Haircuts . . . . . . . . . . . . . . . . . . . . . 12.00
    Dentistry . . . . . . . . . . . . . . . . . . . . . 4.17
    Fitness/Sports/Gym . . . . . . . . . . . . . . . . 31.00 Do you actually use it? Is it the only gym near you? Shop around?
    Work Clothes . . . . . . . . . . . . . . . . . . . . 1.67

    Big One Offs
    Birthdays . . . . . . . . . . . . . . . . . . . 100.00 I would lower this - it seems an awful lot to spend every month
    Christmas . . . . . . . . . . . . . . . . . . . . 8.33

    Odds & Sods
    Tax & NI Provisions (self-employed only) . . . . . . 0.00 If you have a self-employed income, should you not have something here?

    Total monthly income . . . . . . . . . . . . . . 1,040.00

    Total monthly expenses. . . . . . . . . . . . . . 982.00

    Do you actually have the surplus (£60) at the end of the month everymonth? If not keep a spending diary to see where it goes. If you do, reduce your overdraft by this amount every month.

    HTH

    D9
  • Boyer67
    Boyer67 Posts: 24 Forumite
    Here is a more realistic budget (after ironing out some slip-ups...) N.B. My accomodation is shared so utility payments are the responsibilty of my housemate. I have noted these instances below.

    Statement of Affairs and Personal Balance Sheet

    Monthly Income Details
    Income from Employment (after tax). . . . . . . . . . . . . . . . . . . . . . . 823.33
    Income from Self Employment (before tax). . . . . . . . . . . . . . . . . . . . 216.67 - bar tending tips made at work (£50 per week min.)
    State Pension . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
    Private Pension / Annuity Payout. . . . . . . . . . . . . . . . . . . . . . . . 0.00
    Benefits (Inc. Child Benefit/Tax Credits & Income Support). . . . . . . . . . . 0.00
    Income From Savings & Investments . . . . . . . . . . . . . . . . . . . . . . . 0.00
    Gifts From Family / Friends . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00

    Monthly Expense Details

    In Your Home

    Mobile Phone(s) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 43.00 - Still in contract but will look for lower traiff
    TV Licence. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12.00
    Internet. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
    Home Phone. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
    Cleaning Products/Cleaner . . . . . . . . . . . . . . . . . . . . . . . . . . . 5.00
    Garden Maintenance. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
    Household Maintenance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
    Oil . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
    Electricity . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00 - Housemate pays utlilities
    Gas . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
    Water . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
    Council Tax . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 122.00
    Overdraft Cost. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 30.00 - Interest on £2300 overdraft
    Bank Account Fee. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
    Home Insurance. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
    Mortgage/Rent . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 245.00
    Plumbing/Boiler Cover . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
    Mortgage Life Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
    Mortgage Payment Protection . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
    Life Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
    Food and Household Shopping . . . . . . . . . . . . . . . . . . . . . . . . . . 100.00
    Drinks for Home . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
    toiletries. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10.00
    Guitar. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10.00

    Motoring & Public Transport

    Petrol/Diesel . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 80.00
    Parking . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
    Car Tax . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9.17
    Car Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 50.00
    Car Maintenance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16.67
    Rail/Bus/Taxi . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
    Breakdown Cover . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00

    Debt Repayments

    Credit Card Repayments. . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
    Hire Purchase Repayments. . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
    Personal Loan Repayments. . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
    Car Loan Repayments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
    overdraft . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
    Old Overdraft (£600) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 100.00 - debt passed to collection agency 5 monthly payments remain

    Savings & Investments

    Pension Payments. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
    Buying Shares . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
    Investments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
    Mini Cash ISAs. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
    Lump Sum Saving . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
    Regular Saving. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00

    Family

    Pet Food. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
    School Trips. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
    School Meals. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
    Pocket Money. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
    Nappies/Baby Extras . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
    Laundry/Dry Cleaning. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
    Children's Travel . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
    Baby Sitting. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
    Childcare/Play Groups . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
    Pet Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
    Travel Insurance. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00

    Entertainment

    Satellite/Digital TV. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
    Family Days Out . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
    Cinema/Theatre Trips. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
    Books/Music/Films/Computers . . . . . . . . . . . . . . . . . . . . . . . . . . 15.00 - usually spent on books in shops. will look into cheaper outlets
    Big Days Out. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
    Shopping for Fun. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
    Pet Costs . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
    Hobbies . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
    IT/Computing (eg Anti-virus etc). . . . . . . . . . . . . . . . . . . . . . . . 0.00
    DVD Rental. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
    Drinking Out. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 20.00
    Eating Out. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00

    Clothes, Health & Beauty

    Complimentary Therapies . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
    Optical Bills . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
    Haircuts. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12.00
    Dentistry . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4.17
    Beauty Treatments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
    Healthcare Cashplans. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
    Dental Insurance. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
    Private Medical Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
    Fitness/Sports/Gym. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 31.00 - still in contract for 14 months. Use regularly
    Work Clothes. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1.67
    New Children's Clothes. . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
    New Clothes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00

    Education & Courses

    University Tuition Fees . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
    School Fees . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
    Your Courses. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00

    Big One Offs

    Funeral Expenses. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
    Wedding Expenses. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
    Sofa/Kitchen/TV . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
    Birthdays . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12.50 (more realistic! Forgot to select "yearly"!)
    Winter Holiday. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
    Summer Holiday. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
    Christmas . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8.33

    Odds & Sods

    Newspapers & Magazines. . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
    Tax & NI Provisions (self-employed only). . . . . . . . . . . . . . . . . . . . 0.00 - Income stated above is from Tips (not S.E'd)
    Regular Charity Donations . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
    Meals at work . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
    Smokes. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
    Coffees/Sandwiches/Snacks . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00


    Total monthly income. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1,040.00


    Total monthly expenses. . . . . . . . . . . . . . . . . . . . . . . . . . . . . 937.50
  • Boyer67
    Boyer67 Posts: 24 Forumite
    no UK, why?
  • CH27
    CH27 Posts: 5,531 Forumite
    Do you have the £103 left over when all your bills are paid?
    Try to be a rainbow in someone's cloud.
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