My SOA... my nightmare!!

susplum

Heres my SOA, I think I've done it right?!?!

Income:

Wages: 997
C/benefit: 69.80
CTC: 132
WTC: 41

total: 1239.80

Outgoings:

Rent+C/tax: 324
Elec: 40
Gas: 30
TVL: 10
BT: 35
Pet insurance: 15.28
Life Assurance: 6.12
Food: 80

Cards etc:

Loan: 283
Capital 1: 35
YB Visa: 19
Duet: 13
Arcadia: 50
Mobiles: 45

Total: 985.40


This is as accurate as it can be just now as my parents are kindly handling some of our debts (trying to get them to a manageable level), and I'll update when I get the figures back in March. All I can say is that with them we exceeded our income by about 100.

I am unemployed just now, have been for a year now, fingers crossed it wont be for much longer!!!:rolleyes:

lynzpower

s you are unemployed are you not getting council tax benefit and housing benefit?

ricksExpensive

Does your mobile have to be a £45 tarriff? Could you not go to a pay as you talk? You can get 02 sim card where if you top up with £10 you get 300 text msgs for the month?

saintly_2

Does your BT amount include internet??

susplum

No Council tax benefit as my husband earns too much. £45 is two mobiles. The Bt amount includes internet.

I'm dreading March as everything is coming back, my husband just got a new job, and even though he earns more a year he comes home with the same as he had before this job (£3000 more a year... go figure!!).

saintly_2

have you tried mystery shopping, it brings in a bit of extra cash, or ebaying car booting anything that you no longer need, this could pay of some of the bills.

have you made sure that you are getting the cheapest gas and electricity, have a look at https://www.uswitch.com, make sure you go through quidco.

i have earned £7 in vouchers from pigsback without actually buyin anything so maybe have a look there

xx

susplum

Just started ebaying and Pigsback this week, as well as quidco and I've signed up for mystery shopping. Fingers crossed.

BONUS NEWS!!!!

Mail has just come!!!

£29.38 cheque from environfone

AND AND AND AND

I have a job interview ( after over 100 applications) on the 7th of Feb. If I get it it'll mean a bit of travel but YAY anyway!!! :T

lynzpower

well done!!!!! good luck for the interview.

Can I ask, why dont you deal with your debts as a couple?

susplum

I'm not sure what you mean?? Hubby is very much involved with money making ideas and obviously he is the one working. So I do this and juggle the money etc.

lynzpower

susplum wrote:

I'm not sure what you mean?? Hubby is very much involved with money making ideas and obviously he is the one working. So I do this and juggle the money etc.

Sorry I wasnt clear, just still waking up

I mean, why does your SOA show your income etc, but not his?

saintly_2

well done, fingers crossed for you, about time good things started to happen for you.

xx