un-hinged!

mary_hinge

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.................... 2

Monthly Income Details
Monthly income after tax................ 750
Partners monthly income after tax....... 247
Benefits................................ 2540
Other income............................ 0
Total monthly income.................... 3537

Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 595
Management charge (leasehold property).. 0
Council tax............................. 98 10 months
Electricity............................. 57
Gas..................................... 57
Oil..................................... 0
Water rates............................. 45 10 months
Telephone (land line)................... 10
Mobile phone............................ 45 will get rid of contracts for iphones as soon as we can but have at least 12months left :cool:
TV Licence.............................. 11
Satellite/Cable TV...................... 10
Internet Services....................... 12
Groceries etc. ......................... 600 :eek: will get this to £500 I hope
Clothing................................ 79
Petrol/diesel........................... 200
Road tax................................ 30
Car Insurance........................... 112 2 cars and 2 break down cover
Car maintenance (including MOT)......... 100
Car parking............................. 50
Other travel............................ 0
Childcare/nursery....................... 161.5
Other child related expenses............ 300 swimming, riding, guitar lessons, miss H's boots.... this is paid out of their DLA
Medical (prescriptions, dentist etc).... 10 contact lenses, I could cancel these now I have glasses I will actually wear
Pet insurance/vet bills................. 35 cheaper now the rabbits have new homes
Buildings insurance..................... 0
Contents insurance...................... 23
Life assurance ......................... 19
Other insurance......................... 0
Presents (birthday, christmas etc)...... 30
Haircuts................................ 30
Entertainment........................... 160 includes 2 gym memberships and mr H's martial arts.
Holiday................................. 50
Emergency fund.......................... 30
Total monthly expenses.................. 2959.5


Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 1800
Other assets............................ 0
Total Assets............................ 1800

No Secured nor Hire Purchase Debts

Unsecured Debts
Description....................Debt......Monthly...APR
stepchange dmp.................20200.....242.......0 i increased this from £203 :j
flybe mr hinge.................4850......157.......23 will pay extra here!
Total unsecured debts..........25050.....399.......-


Monthly Budget Summary
Total monthly income.................... 3,537
Expenses (including HP & secured debts). 2,959.5
Available for debt repayments........... 577.5
Monthly UNsecured debt repayments....... 399
Amount left after debt repayments....... 178.5

Personal Balance Sheet Summary
Total assets (things you own)........... 1,800
Total HP & Secured debt................. -0
Total Unsecured debt.................... -25,050 :eek:
Net Assets.............................. -23,250

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

A few changes, last years over payment from tax credits means payments reduce so income less but a few savings made in some places to balance it out.

Holiday booked for July, 8 nights camping by the seaside cheap as chips I know a holiday is not everyone's priority when paying of debt but I need a break, I need time away from the daily grind of the hinge house and as strangely as it sounds holiday is so much less stressful and Superman really chills, Miss Hinge is happier and Master Hinge could happily spend the day engrossed with the beach and sea.

I'm not sure if Mr Hinge will be coming with us or not as he is looking to move out and start a fresh and go back to uni. a very hard decision but one that has not come completely by surprise...... volunteers needed to help pitch the tent :rotfl::rotfl::rotfl: I'm hoping some fellow campers on site will take pity on us

How is everyone?

Mrs H x x who has ordered take away and a huge slab of cake for tea

please-let-me-be-lucky

Oh!

Slipped that in there about Mr Hinge :eek:. How do you feel about that? Hope you are ok. Hugs.

Enjoy the cake Xx

mary_hinge

please-let-me-be-lucky wrote: »

Oh!

Slipped that in there about Mr Hinge :eek:. How do you feel about that? Hope you are ok. Hugs.

Enjoy the cake Xx

Honestly? I don't know I fell angry then sad then frustrated a little bit relieved then the cycle begins again. :mad:

3 children to bring up alone with a-part-dad who wants to play his life for the last 10 years fills me with dread but I also know it want Mr Hinge wants for his life and I need to respect that. It will most certainly make him happier.

please-let-me-be-lucky

So would you be split or just living apart? I understand your cycle of emotions and each one is valid. In my opinion you are the one being dumped on, it's not like you get the chance to replay your life is it? Unless it is for the good of the whole family, ie it will lead to a much better future income, then it's not really fair for one part of a couple to chase their dreams to the detriment of the other.

I of course know nothing of the details of your daily life though, so forgive me if I'm speaking out of turn Xx

dawnybabes

Doesn't he claim the careers allowance for the kids, could you do that with working ?

((Hugs)) Hope you are all ok.

stripes

You're doing an amazing job with your family Mrs Hinge you'll be fab with or without Mr Hinge.

please-let-me-be-lucky

stripes wrote: »

You're doing an amazing job with your family Mrs Hinge you'll be fab with or without Mr Hinge.

Indeed!! :T:T Xx

HeadAboveWater

mary_hinge wrote: »

Holiday booked for July, 8 nights camping by the seaside... but I need a break, I need time away from the daily grind of the hinge house and as strangely as it sounds holiday is so much less stressful and Superman really chills, Miss Hinge is happier and Master Hinge could happily spend the day engrossed with the beach and sea.

Then holiday you shall

So sorry to hear about Mr H *big hugs* Hope you're ok. Stay strong.

mary_hinge wrote: »

Mrs H x x who has ordered take away and a huge slab of cake for tea:(

Replace with please! Dinner sounds yummy!!

mary_hinge

please-let-me-be-lucky wrote: »

So would you be split or just living apart? I understand your cycle of emotions and each one is valid. In my opinion you are the one being dumped on, it's not like you get the chance to replay your life is it? Unless it is for the good of the whole family, ie it will lead to a much better future income, then it's not really fair for one part of a couple to chase their dreams to the detriment of the other.

I of course know nothing of the details of your daily life though, so forgive me if I'm speaking out of turn Xx

It is a split, I can't see how a relationship can work where one half of the equation moves out to follow a pipe dream and the other shoulders all the responsibility single handed after putting their own dreams on hold for the good of household.

mary_hinge

dawnybabes wrote: »

Doesn't he claim the careers allowance for the kids, could you do that with working ?

((Hugs)) Hope you are all ok.

I can't claim CA if I work the hours I do currently but Mr H wouldn't claim it either when he moves out.