Our SOA

ntb1

just a quick update my wife's first pay packet since the change in hours has come in and is about 100 quid lower than last year. looks like going through the threshold so will be roughly even

ntb1

Statement of Affairs and Personal Balance Sheet

Household Information
Number of adults in household........... 2
Number of children in household......... 2
Number of cars owned.................... 1

Monthly Income Details
Monthly income after tax................ 1896
Partners monthly income after tax....... 937
Benefits................................ 134.8
Total monthly income.................... 2967.80

Monthly Expense Details
Mortgage................................ 118
Secured/HP loan repayments.............. 0
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax............................. 156
Electricity............................. 30
Gas..................................... 60
Oil..................................... 0
Water rates............................. 30
Telephone (land line)................... 35
Mobile phone............................ 5
TV Licence.............................. 12.43
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 340
Clothing................................ 100
Petrol/diesel........................... 40
Road tax................................ 15
Car Insurance........................... 22
Car maintenance (including MOT)......... 25
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 60
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 0
Buildings insurance..................... 12
Contents insurance...................... 0
Life assurance ......................... 55.55
Other insurance......................... 60.51
Presents (birthday, christmas etc)...... 60
Haircuts................................ 33
Entertainment........................... 40
Holiday................................. 0
Emergency fund.......................... 0
Gas Cover............................... 0
Plumb Cover............................. 10
DD1 Savings CIS......................... 101
DD2 Savings............................. 100
Total monthly expenses.................. 1520.49


Assets
Cash.................................... 2800
House value (Gross)..................... 250000
Shares and bonds........................ 21000
Car(s).................................. 5000
Other assets............................ 0
Total Assets............................ 278800


Secured & HP Debts
Description....................Debt......Monthly.. .APR
Mortgage...................... 77000....(118)......1.6
Total secured & HP debts...... 77000.....-.........-

Unsecured Debts
Description....................Debt......Monthly.. .APR
Car Loan.......................Paid Off
CC1............................1000......30....... .0
CC2...........................1100 ......35....... .0
Total unsecured debts..........2100......65.....-


Monthly Budget Summary
Total monthly income.................... 2967.80
Expenses (including HP & secured debts). 1,520.49
Available for debt repayments........... 1447.31
Monthly unsecured debt repayments....... 65.00
Amount left after debt repayments....... 1382.31

Personal Balance Sheet Summary
Total assets (things you own)........... 278,800
Total HP & Secured debt................. -77,000
Total Unsecured debt.................... -2,100
Net Assets.............................. 198,900

Created using the SOA calculator at https://www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission, using IE browser.

Credit cards are roughly the same due our summer holiday, paying down more quickly now

heartbreak_star

Your finances are pretty healthy, though I'd be bunging the leftover into an emergency fund...

HBS x

ntb1

Statement of Affairs and Personal Balance Sheet

Household Information
Number of adults in household........... 2
Number of children in household......... 2
Number of cars owned.................... 1

Monthly Income Details
Monthly income after tax................ 2117
Partners monthly income after tax....... 997
Benefits................................ 134.5
Other income............................ 0
Total monthly income.................... 3248.5

Monthly Expense Details
Mortgage................................ 118
Secured/HP loan repayments.............. 0
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax............................. 156
Electricity............................. 30
Gas..................................... 60
Oil..................................... 0
Water rates............................. 31.68
Telephone (land line)................... 35
Mobile phone............................ 5
TV Licence.............................. 12.18
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 340
Clothing................................ 100
Petrol/diesel........................... 40
Road tax................................ 19
Car Insurance........................... 22
Car maintenance (including MOT)......... 25
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 34.45
Pet insurance/vet bills................. 0
Buildings insurance..................... 12
Contents insurance...................... 0
Life assurance ......................... 56.55
Other insurance......................... 60.51
Presents (birthday, christmas etc)...... 130
Haircuts................................ 33
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 0
DD2 Savings............................. 100
DD1 Savings............................. 101
Union................................... 20.24
Gas & Plumbing Cover.................... 22.86
Total monthly expenses.................. 1564.47


Assets
Cash.................................... 3400
House value (Gross)..................... 250000
Shares and bonds........................ 21000
Car(s).................................. 4500
Other assets............................ 0
Total Assets............................ 278900


Secured & HP Debts
Description....................Debt......Monthly...APR
Mortgage...................... 77000....(118)......1.6
Total secured & HP debts...... 77000.....-.........-

Unsecured Debts
Description....................Debt......Monthly...APR
Total unsecured debts..........0.........0.........-


Monthly Budget Summary
Total monthly income.................... 3,248.5
Expenses (including HP & secured debts). 1,564.47
Available for debt repayments........... 1,684.03
Monthly UNsecured debt repayments....... 0
Amount left after debt repayments....... 1,684.03

Personal Balance Sheet Summary
Total assets (things you own)........... 278,900
Total HP & Secured debt................. -77,000
Total Unsecured debt.................... -0
Net Assets.............................. 201,900

Created using the SOA calculator at https://www.stoozing.com.
Reproduced on Moneysavingexpert with permission, using other browser.

just updating due to pay rise and clearing debt, now need to move forward...