my debts copied , please help me

daz69kay

Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 1
Number of children in household......... 1
Number of cars owned.................... 1
Monthly Income Details
Monthly income after tax................ 1099
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 1099
Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 100
Management charge (leasehold property).. 0
Council tax............................. 0
Electricity............................. 0
Gas..................................... 0
Oil..................................... 0
Water rates............................. 0
Telephone (land line)................... 0
Mobile phone............................ 65
TV Licence.............................. 0
Satellite/Cable TV...................... 0
Internet Services....................... 37
Groceries etc. ......................... 200
Clothing................................ 100
Petrol/diesel........................... 120
Road tax................................ 25
Car Insurance........................... 55
Car maintenance (including MOT)......... 11
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 120
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 0
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 0
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 833

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

No Secured nor Hire Purchase Debts
Unsecured Debts
Description....................Debt......Monthly...APR
SANTANDER......................11000.....297.......28.9
lloyds debit...................3000......35........17.32
lloyds credit..................2550......60........22.9
Total unsecured debts..........16550.....392.......-

Monthly Budget Summary
Total monthly income.................... 1,099
Expenses (including HP & secured debts). 833
Available for debt repayments........... 266
Monthly UNsecured debt repayments....... 392
Amount short for making debt repayments. -126
Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -0
Total Unsecured debt.................... -16,550
Net Assets.............................. -16,550
Created using the SOA calculator at www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission, using IE browser.

Googlewhacker

daz69kay wrote: »

Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 1
Number of children in household......... 1
Number of cars owned.................... 1
Monthly Income Details
Monthly income after tax................ 1099
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 1099
Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 100 Is this low because you live at the folks or something?
Management charge (leasehold property).. 0
Council tax............................. 0
Electricity............................. 0
Gas..................................... 0
Oil..................................... 0
Water rates............................. 0
Telephone (land line)................... 0
Mobile phone............................ 65Well to high, need to halve this
TV Licence.............................. 0
Satellite/Cable TV...................... 0
Internet Services....................... 37To high again
Groceries etc. ......................... 200 To High but not massively
Clothing................................ 100 £1200 a year...need to cut this right back
Petrol/diesel........................... 120
Road tax................................ 25
Car Insurance........................... 55
Car maintenance (including MOT)......... 11
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 120
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 0
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 0
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 833

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

No Secured nor Hire Purchase Debts
Unsecured Debts
Description....................Debt......Monthly...APR
SANTANDER......................11000.....297.......28.9 The APR on this loan is ridiculous
lloyds debit...................3000......35........17.32
lloyds credit..................2550......60........22.9
Total unsecured debts..........16550.....392.......-

Monthly Budget Summary
Total monthly income.................... 1,099
Expenses (including HP & secured debts). 833
Available for debt repayments........... 266
Monthly UNsecured debt repayments....... 392
Amount short for making debt repayments. -126
Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -0
Total Unsecured debt.................... -16,550
Net Assets.............................. -16,550
Created using the SOA calculator at www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission, using IE browser.

You have more there to pay debts if you cut back as above, however really you need to live within your means for a bit and then try in 6 months to a year for a loan with better APR

vickthestick

What are your other child related expenses? At £120 a month that's a lot of money.