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My SOA :(

beabea81
Posts: 91 Forumite
Hi, I posted a thread a week or so ago and you all asked for my SOA. I had lots to do and stuff I needed to find etc so it has taken me a little while. I have put notes in purple next to some of the amounts to explain why they are so high/so low- Thank you for taking the time to help me. Seeing my actuall debt figure is really depressing, but at least I have surplus and not deficit and those debts won't last forever!
Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 2
Number of children in household......... 3
Number of cars owned.................... 0
Monthly Income Details
Monthly income after tax................ 0
Partners monthly income after tax....... 1027
Benefits................................ 971 This is an estimation based on our income details, it might well be lower but certainly no higher than this.
Other income............................ 0
Total monthly income.................... 1998
Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 158.8 I'm a sucker for Brighthouse, I know it is really bad but you just get stuck in a corner don't you. I've not long since started a new agreement and the cost to pay it off near enough outweigh the benefit of doing so but I have promised myself that I will not have any more items from there!
Rent.................................... 286 It's a council property and even though rent is £71.50 a month it is only payable for 48/52 weeks
Management charge (leasehold property).. 0
Council tax............................. 93
Electricity............................. 65 I'm on pre pay meters but have no debt, recently used USwitch to change to Scottish Power for both...who then whacked their prices up! Who do I contact about credit meters?
Gas..................................... 65
Oil..................................... 0
Water rates............................. 0 Because I have so much debt it's all lumped together so even though there is a zero here I do pay it.
Telephone (land line)................... 55 This is for TV, Landline and Broadband from Sky. Contract ends in April next year.
Mobile phone............................ 98 Mine and my husbands mobiles have two years left on them (£35 a month contracts +vat) and my son has an £18 a month contract. He used to get £5 per week pocket money but uses it to pay the fone bill instead.
TV Licence.............................. 12.43
Satellite/Cable TV...................... 0
Internet Services....................... 0 This and above in with Telephone.
Groceries etc. ......................... 325 Shopping is £75 per week and I have 1 dog, 2 cats and 13 pet rats and this figure covers food and bedding for all of them.
Clothing................................ 54 This might seem a alot but also includes my husbands work clothes and three school uniforms, one of which is a high school one.
Petrol/diesel........................... 0
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 33.33 Weekly bus fare/ snack money divided by the average 40 week school year
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 43.33 I dont have insurance for any of my pets but put £10 per week to one side.
Buildings insurance..................... 0
Contents insurance...................... 0
Life assurance ......................... 0
Other insurance......................... 9.25 Sky protect for the HD box, I'm out of warranty but still have another year of the contract so don't want to be stuck paying for something I can't use. This will be cancelled in April next year as I'm sure I'll be able to wangle a new box out of them! lol
Presents (birthday, christmas etc)...... 245 Yes, I know! I am massively over indulgent at Xmas. I don't buy toys or games for the boys at any time other than birthdays and as they are all into PS3's etc £500 doesn't go far.
Haircuts................................ 0
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 0
Bank Fee................................ 13
Total monthly expenses.................. 1556.14
Assets
Cash.................................... 23.33
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 0
Other assets............................ 0
Total Assets............................ 23.33
Secured & HP Debts
Description....................Debt......Monthly...APR
Mortgage...................... 0........(0)........0
Hire Purchase (HP) debt ...... 5190.....(158.8)....29.9
Total secured & HP debts...... 5190......-.........-
Unsecured Debts
Description....................Debt......Monthly...APR
Water Rates....................3300......60........0
Father In Law..................3000......44........0
Total unsecured debts..........6300......104.......-
Monthly Budget Summary
Total monthly income.................... 1,998
Expenses (including HP & secured debts). 1,556.14
Available for debt repayments........... 441.86
Monthly UNsecured debt repayments....... 104
Amount left after debt repayments....... 337.86
Personal Balance Sheet Summary
Total assets (things you own)........... 23.33
Total HP & Secured debt................. -5,190
Total Unsecured debt.................... -6,300
Net Assets.............................. -11,466.67
I know I massively over spend in the sense that if I cut back I could clear most of my bills in a shorter amunt of time, and my main problem is wastage, which thanks to the spending diary that was suggested on my last post has only been £18 in one week, much better than £40 and most of that £18 was milk and bread! This has been really helpful because I know for sure that I don't have £337 a month left!
Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 2
Number of children in household......... 3
Number of cars owned.................... 0
Monthly Income Details
Monthly income after tax................ 0
Partners monthly income after tax....... 1027
Benefits................................ 971 This is an estimation based on our income details, it might well be lower but certainly no higher than this.
Other income............................ 0
Total monthly income.................... 1998
Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 158.8 I'm a sucker for Brighthouse, I know it is really bad but you just get stuck in a corner don't you. I've not long since started a new agreement and the cost to pay it off near enough outweigh the benefit of doing so but I have promised myself that I will not have any more items from there!
Rent.................................... 286 It's a council property and even though rent is £71.50 a month it is only payable for 48/52 weeks
Management charge (leasehold property).. 0
Council tax............................. 93
Electricity............................. 65 I'm on pre pay meters but have no debt, recently used USwitch to change to Scottish Power for both...who then whacked their prices up! Who do I contact about credit meters?
Gas..................................... 65
Oil..................................... 0
Water rates............................. 0 Because I have so much debt it's all lumped together so even though there is a zero here I do pay it.
Telephone (land line)................... 55 This is for TV, Landline and Broadband from Sky. Contract ends in April next year.
Mobile phone............................ 98 Mine and my husbands mobiles have two years left on them (£35 a month contracts +vat) and my son has an £18 a month contract. He used to get £5 per week pocket money but uses it to pay the fone bill instead.
TV Licence.............................. 12.43
Satellite/Cable TV...................... 0
Internet Services....................... 0 This and above in with Telephone.
Groceries etc. ......................... 325 Shopping is £75 per week and I have 1 dog, 2 cats and 13 pet rats and this figure covers food and bedding for all of them.
Clothing................................ 54 This might seem a alot but also includes my husbands work clothes and three school uniforms, one of which is a high school one.
Petrol/diesel........................... 0
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 33.33 Weekly bus fare/ snack money divided by the average 40 week school year
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 43.33 I dont have insurance for any of my pets but put £10 per week to one side.
Buildings insurance..................... 0
Contents insurance...................... 0
Life assurance ......................... 0
Other insurance......................... 9.25 Sky protect for the HD box, I'm out of warranty but still have another year of the contract so don't want to be stuck paying for something I can't use. This will be cancelled in April next year as I'm sure I'll be able to wangle a new box out of them! lol
Presents (birthday, christmas etc)...... 245 Yes, I know! I am massively over indulgent at Xmas. I don't buy toys or games for the boys at any time other than birthdays and as they are all into PS3's etc £500 doesn't go far.
Haircuts................................ 0
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 0
Bank Fee................................ 13
Total monthly expenses.................. 1556.14
Assets
Cash.................................... 23.33
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 0
Other assets............................ 0
Total Assets............................ 23.33
Secured & HP Debts
Description....................Debt......Monthly...APR
Mortgage...................... 0........(0)........0
Hire Purchase (HP) debt ...... 5190.....(158.8)....29.9
Total secured & HP debts...... 5190......-.........-
Unsecured Debts
Description....................Debt......Monthly...APR
Water Rates....................3300......60........0
Father In Law..................3000......44........0
Total unsecured debts..........6300......104.......-
Monthly Budget Summary
Total monthly income.................... 1,998
Expenses (including HP & secured debts). 1,556.14
Available for debt repayments........... 441.86
Monthly UNsecured debt repayments....... 104
Amount left after debt repayments....... 337.86
Personal Balance Sheet Summary
Total assets (things you own)........... 23.33
Total HP & Secured debt................. -5,190
Total Unsecured debt.................... -6,300
Net Assets.............................. -11,466.67
I know I massively over spend in the sense that if I cut back I could clear most of my bills in a shorter amunt of time, and my main problem is wastage, which thanks to the spending diary that was suggested on my last post has only been £18 in one week, much better than £40 and most of that £18 was milk and bread! This has been really helpful because I know for sure that I don't have £337 a month left!
July NSD Challenge: 2/16
Aiming for 4 in a row
It is not necessary to understand things in order to argue about them- Caron de Beaumarchais
Aiming for 4 in a row
It is not necessary to understand things in order to argue about them- Caron de Beaumarchais
0
Comments
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Do you seriously put away £245 a MONTH for presents??LBM: 22.12.2010 :j Self-managed DMP start 29.1.2011DMP Mutual Support Thread No: 4130
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Hi
And well done for doing such an honest SoA.
I suppose the first question is about the £337 its shows that you have spare - do you have that amount and if not do you know where it is going? I see you are keeping a spending diary so if you don't know what its being spent on yet hopefully you soon will.
Water rates - is there any court judgement for this amount at all? what happened to make it so high? I would have thought your monthly bills might not be much less than £60 a month, can you try to find out how much is actually going on paying off arrears? at the rate you are paying it off and with your new bill on top it is going to take you years to pay off (like 9+years at a guess).
Contact your gas & elec supplier to see if you can go to credit meters, what is your credit history like? any ccjs, defaults etc that would be likely to stop you being approved for credit accounts?
Your presents cost really is horrendous - I know the kids all want expensive things but on your income thats a phenomenal amount, if the boys are teens they are old enough to understand that they can't just have unlimited presents, especially with only 1 parent working. Even if you told them all they had a maximum budget of £200 each this is still a lot of money but considerably reduce the cost for you.
I know you've mentioned 1 son has a phone instead of pocket money, do the others have pocket money and if so is this included in the budget anywhere?
I'd also have a look at getting contents insurance - you can probably get for a few pounds a week (especially if you look at buying through the cashback websites like quidco) and whilst you hope never to need it, its well worth the money if you ever do - imagine trying to replace all the kids computer games, tvs etc without any insurance).
Just curious about your benefits figure/explanation - is this not based on what you are currently receiving?A smile enriches those who receive without making poorer those who giveor "It costs nowt to be nice"0 -
Canel the Sky protect plan. The sky box rarely fails and if you are in contract on the Sky telly then the box will be covered. Actually I don't understand why the 2 aren't linked. If it were to fail then threaten to cancel...they'll upgrade you. Downgrade the Sky. £55 + £9.25 is far too much for a bit of telly. Seperate out the internet so it don't look so bad (it's £7.50 if you have sky talk). Minimum sky contract is £20 per month. It can be downgraded mid term.:footie:
Regular savers earn 6% interest (HSBC, First Direct, M&S)
Loans cost 2.9% per year (Nationwide) = FREE money.
0 -
Hello Bea,
I just had a look back at your previous posts which gave me a fuller idea of your situation. I'm sorry your OH has had such a struggle to find work after redundancy, I hope his hard work is rewarded soon, it must be soul-destroying to apply for 300+ jobs and not yet find anything - but he will get there.
Well done on cutting back on the treats! I wonder whether you have asked yourself why you treat yourself? That could be very important in turning this situation round. Are you bored or feeling in need of something nice? Did you get treats as a way of loved ones expressing their love to you (my mum used to buy me jammy cream cakes, LOL!) Once you understand what motivates you to buy them, you are half way to cutting down - though I think you have done a great job so far.
If you can work out what's behind it (may take a while - or not...) you can give yourself strategies for avoiding temptation (keep cash in a block of ice in the freezer, have your OH hold onto your money for you, have a 'savings' jar where you give yourself say a fiver a week and if it doesn't go on junk you could save towards something you value, etc.).
From your comment about Christmas presents I'm guessing you express love by giving? One year I included among the Christmas pressies some homemade vouchers for treats - things like 'X may watch TV instead of doing the dishes' or 'entitles X to an hour of mum's undivided attention'. Might this help cut the bills?
I'm not much good at the maths side of an SOA but I'd like to wish you all the best for it and say well done for a positive start!
(I'll subscribe so I can see how it goes!)
Miggy
MEMBER OF MIKE'S MOB!
Every Penny a Prisoner
This article is about coffeehouse bartenders. For lawyers, see Barrister. (Wikipedia)0 -
Hi, I posted a thread a week or so ago and you all asked for my SOA. I had lots to do and stuff I needed to find etc so it has taken me a little while. I have put notes in purple next to some of the amounts to explain why they are so high/so low- Thank you for taking the time to help me. Seeing my actuall debt figure is really depressing, but at least I have surplus and not deficit and those debts won't last forever!
Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 2
Number of children in household......... 3
Number of cars owned.................... 0
Monthly Income Details
Monthly income after tax................ 0
Partners monthly income after tax....... 1027
Benefits................................ 971 This is an estimation based on our income details, it might well be lower but certainly no higher than this.
Other income............................ 0
Total monthly income.................... 1998
Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 158.8 I'm a sucker for Brighthouse, I know it is really bad but you just get stuck in a corner don't you. I've not long since started a new agreement and the cost to pay it off near enough outweigh the benefit of doing so but I have promised myself that I will not have any more items from there!
sounds daft, but you've had a positive there, as you've told yourself no more, the thing Brighthouse targets people that like you and me, can't go down the normal route.
Rent.................................... 286 It's a council property and even though rent is £71.50 a month it is only payable for 48/52 weeks - (think is it xmas and easter you get the free weeks, - could you put that money up off debts at the time)
Management charge (leasehold property).. 0
Council tax............................. 93 - a question I always ask, are you on the right price band,
Electricity............................. 65 I'm on pre pay meters but have no debt, recently used USwitch to change to Scottish Power for both...who then whacked their prices up! Who do I contact about credit meters?
I think you might be better going to normal billing, be cheaper than what your paying, but still high.
Start by checking items aren't left on standby, lights off when not needed, worst culprits mobile phone + computers, left to charge for eternity... I tend to leave on charge room that I'm in, so can keep an eye on them.
Gas..................................... 65
That seems really high, is that on meter, if your on gas central heating, can you turn the thermostat, ours was set to cut in at 19C, but we've managed to drop it to 16C, make a difference, also have you got controls on radiators, so u only use the heat that you need.
Oil..................................... 0
Water rates............................. 0 Because I have so much debt it's all lumped together so even though there is a zero here I do pay it.
Telephone (land line)................... 55 This is for TV, Landline and Broadband from Sky. Contract ends in April next year. - I guess the first question would be do you need sky, could you do freeview, and look at changing broadband, my broadband, I pay £7.00 pm and thats unlimited useage, downloads, and also all my calls (not mobile and 08/09 numbers), I have the line rental with BT. (I find I spend at most £5 on calls, that includes phoneing Ireland once/twice a month).
Mobile phone............................ 98 Mine and my husbands mobiles have two years left on them (£35 a month contracts +vat) and my son has an £18 a month contract. He used to get £5 per week pocket money but uses it to pay the fone bill instead.
If you have 2 yrs to run, I'm guessing you have just took them out, may be worth asking if they could downgrade the package. worth a try.
As for son, does he need a contract phone, maybe look at sim only deal, can get £10 per month, good offers.
TV Licence.............................. 12.43
Satellite/Cable TV...................... 0
Internet Services....................... 0 This and above in with Telephone.
Groceries etc. ......................... 325 Shopping is £75 per week and I have 1 dog, 2 cats and 13 pet rats and this figure covers food and bedding for all of them.
Thats a brilliant figure, I would say maybe downgrade grocery bands, bulk cook, but I'm impressed with that.
Clothing................................ 54 This might seem a alot but also includes my husbands work clothes and three school uniforms, one of which is a high school one.
Maybe try and reduce, but on an as and when basis, even if its £5 one month, and maybe £15 next, all help.
Petrol/diesel........................... 0
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 33.33 Weekly bus fare/ snack money divided by the average 40 week school year
the reduction would be snacks, if possible
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 43.33 I dont have insurance for any of my pets but put £10 per week to one side.
thats a good idea, have you looked at insurance for the cats and dog?
Buildings insurance..................... 0
Contents insurance...................... 0 - I really think you need to have contents insurance, go round each room and work out the cost it would be to replace everything as new, - that will give you a base figure, again shop around, as some policies do allow you to pay monthly
Life assurance ......................... 0 - again something I would suggest getting, even if its a base level
Other insurance......................... 9.25 Sky protect for the HD box, I'm out of warranty but still have another year of the contract so don't want to be stuck paying for something I can't use. This will be cancelled in April next year as I'm sure I'll be able to wangle a new box out of them! lol
Presents (birthday, christmas etc)...... 245 Yes, I know! I am massively over indulgent at Xmas. I don't buy toys or games for the boys at any time other than birthdays and as they are all into PS3's etc £500 doesn't go far.
I'm really sorry but that has got to be cut, you need to go throu everything, do a list of who you need to buy for, set a budget, start buying things in sales, xmas cards, paper, theres plenty of threads related to christmas on here, (if you want to click my name and search posts, I do one xmas thread, thrifty gifty - organised for xmas, and the sister thread thrify gifty money making).
In our house, theres me, dd, and parents, as a trade off I do all bday and xmas shopping, for share of the bills, excluding us 4, the birthday budget estimated was £500, I've brought that in for just over £150. All new present, just some leg work, sales, and bargains on line).
Haircuts................................ 0 - you have nothing listed here
Entertainment........................... 0 - ditto
Holiday................................. 0 - ditto
Emergency fund.......................... 0
Bank Fee................................ 13 - sorry to ask but do you really need a fee paying account, are you getting £160+ worth of beneifts from it
Total monthly expenses.................. 1556.14
Assets
Cash.................................... 23.33
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 0
Other assets............................ 0
Total Assets............................ 23.33
Secured & HP Debts
Description....................Debt......Monthly...APR
Mortgage...................... 0........(0)........0
Hire Purchase (HP) debt ...... 5190.....(158.8)....29.9 (I'm guessing its a new agreement, but how long have you got left on it.
Total secured & HP debts...... 5190......-.........-
Unsecured Debts
Description....................Debt......Monthly...APR
Water Rates....................3300......60........0
Father In Law..................3000......44........0
Total unsecured debts..........6300......104.......-
Monthly Budget Summary
Total monthly income.................... 1,998
Expenses (including HP & secured debts). 1,556.14
Available for debt repayments........... 441.86
Monthly UNsecured debt repayments....... 104
Amount left after debt repayments....... 337.86
Personal Balance Sheet Summary
Total assets (things you own)........... 23.33
Total HP & Secured debt................. -5,190
Total Unsecured debt.................... -6,300
Net Assets.............................. -11,466.67
I know I massively over spend in the sense that if I cut back I could clear most of my bills in a shorter amunt of time, and my main problem is wastage, which thanks to the spending diary that was suggested on my last post has only been £18 in one week, much better than £40 and most of that £18 was milk and bread! This has been really helpful because I know for sure that I don't have £337 a month left!
Hi,
I'm posted a few thoughts under each one, (have tried to be gentle), the main thing to say is there seems to be no spend
haircuts
entertainment
holiday.
The good thing is you have started a spending diary, and from the sounds of it, its already saved you some money, just a thought re bread and milk, we buy our bread in one go, and freeze on day of purchase, and just get the loaf out when we need it, some people freeze milk,
I would go one step further with the spending diary, you both keep a little note book and list everything spent, whether its 60p for a bar of chocolate, or £3 on a magazine, sometimes it the little things that slip through the net, and there the ones that add up.
I would say please, please get some contents insurance sorted out, yep it may be an added expense, but once you can reduce on other aspects the insurance would pay for itself.
Presents - Sorry but I nearly had a heart attack, that list def needs to be culled, I know its peer pressure etc, but if you can lose some smaller presents, it will give you chance to spend on the children, but £500 each is a luxury, that at the moment, just can't be balanced on the budget.
xxxx rip dad... we had our ups and downs but we’re always be family xx0 -
Just to start:
Phones. You may have a contracts at 35/mo but you can lower to the 30/mon one- I did.
245/mo, 2940 per year for presents. A good figure if you are on over 75K a year. We are, but still only spend 1500/yr max on presents for our 3 children all teens. You are in a concil house and in debt. You cannot afford to give out this much a year in presents. You may WANT to, but you don't NEED to and any arguments to the contrary will fall on deaf ears. We all love our kids, but if you can't afford it, you can't afford it.
Un secured debt to FIL should cease until you pay off higher debt @29.9 apr. Then start paying him back.
Are you working? If not, look into getting back to work. 2 incomes (however small) can smash down your debt.
Go over the the OLD time board and learn how to do things to lower your grocery budget.
Sell your old stuff (toys clothes etc) on ebay.0 -
As you've admitted yourself, you're spending a lot on 'nothing'. If any of this is still hanging around, can you Ebay it for some cash to put towards debts? There is a thread here which celebrates the highly unlikely stuff that people have sold on Ebay!
If you love magazines etc, look at whether you can get your favourites on subscription as a cheaper way of doing it (ideally don't!) or better still arrange to swap with a friend so you both get double for your money.
Miggy
MEMBER OF MIKE'S MOB!
Every Penny a Prisoner
This article is about coffeehouse bartenders. For lawyers, see Barrister. (Wikipedia)0 -
Was typing this when the others said aobut your OH trying to get back into work good luck to hom and keep him trying.
Has he asked the Jobcenter about retrianing and other schemes?0 -
You need to try and break the culture of presents. We have an income many times yours but spend much less on presents. In my family we tend to find a great small gift that the person Would really love- it may only cost £2 never more than £20. Neices and nephews are capped at £15 and our own children £125 for birthdays and £300 total (including stocking fillers at Christmas). This is an awful lot- we have loads of gifts.
My husbands family had a habit of buying each other expensive cr&& gift sets etc that ended up in charity shops or car boot sales. No- one wants a boots gift set- no-one uses them. They are a waste. We eventuallybroke tne culture. No birthday gifts for adults in family- Christmas we do a £15 max secret Santa (you have to have thought about it- no cr&&@@@ cover all gift sets allowed) .
We have a massive family and spend much less than you do. I imagine most of what you buy gets used once and discarded or ends up in a tom bola somewhere .
Ours is 2 children x £425 a year
Husband/wife nothing really we have all we want- I might get him a curly wurly one random day.
7 nieces and nephews £15 birthday £15 Christmas so £210
Parents - mine Christmas gift £5 x 2 , my brother and wife Christmas gift x 2 £5 each. No birthdays
Husband has 8 brothers/ sisters /I'm law. No birthday £15 secret Santa at Christmas. His patents no birthday £15 x 2 at christmas.June challenge £100 a day £3161.63 plus £350 vouchers plus £108.37 food/shopping saving
July challenge £50 a day. £ 1682.50/1550
October challenge £100 a day. £385/£31000 -
To add. My children are teenagers. We gave them the choice of big stockings full of stuff or the £300 (plus sweets, orange and a novelty). They also get £100 from one granny and £50 from the other (neither give any gifts or money except at birthday/ Christmas) plus £15 from all those aunties and uncles (usually cash or gift cards since we stopped cr&&)
They get £500 in total, at Christmas which has bought an xbbox ,an iphone4 and an iPad in past 2 years. If they don't have enough they save their money until they do.June challenge £100 a day £3161.63 plus £350 vouchers plus £108.37 food/shopping saving
July challenge £50 a day. £ 1682.50/1550
October challenge £100 a day. £385/£31000
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