Help Required

rdchick

Hi Joanne

without begging your employer to change your bank details to another account - partners or savings or something (depending on how big the company you work for will depend on how feasible that is) the only thing I would suggest would be staying up very late on Wednesday night and trying to transfer your wage away from your account before the vultures get at it. They will try again and again until they clear your account so it's best you get it before they do.

Even though you have no debt with RBS you need to move away from them because your debts go to that account. I would suggest the co-op cash card account as long as you have no debt with them hope that helps xxx

ellesbellesxxx

http://www.makesenseofcards.com/soacalc.html here you go xx

Josparoonie

Thanks RDchick.

Will definately get onto the Coop and get an account with them. If I do it now, can be all changed in time for next pay day at least!

Jo x

Josparoonie

Thanks Ellesbelles! Jo x

rdchick

Josparoonie wrote: »

Thanks RDchick.

Will definately get onto the Coop and get an account with them. If I do it now, can be all changed in time for next pay day at least!

Jo x

Yeah it should be all sorted by next month if you get on it now and make 100% work change to your new account! xxx

Josparoonie

rdchick - That is the Coops basicist of basic account applied for. I have to ring back on Thursday to see if it has been approved or not! So one thing down, loads to go...

SOA next!

Joanne

rdchick

Yay well done you. As long as it's 100% basic, no overdraft/cheque book etc you should be groovy xxx

Josparoonie

Well, here goes....

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................ 1360
Partners monthly income after tax....... 1300
Benefits................................ 200
Other income............................ 80
Total monthly income.................... 2940
Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax............................. 0
Electricity............................. 55
Gas..................................... 45
Oil..................................... 0
Water rates............................. 0
Telephone (land line)................... 35
Mobile phone............................ 100
TV Licence.............................. 12
Satellite/Cable TV...................... 61
Internet Services....................... 0
Groceries etc. ......................... 100
Clothing................................ 20
Petrol/diesel........................... 80
Road tax................................ 0
Car Insurance........................... 47
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 650
Other child related expenses............ 20
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 5
Life assurance ......................... 17
Other insurance......................... 0
Presents (birthday, christmas etc)...... 20
Haircuts................................ 0
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 1267

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
Quick Quid.....................906.5.....200.......0
Swift Financial................584.91....584.......0
WDA............................450.......120.......0
Provident Financial............1500......200.......0
1month loan....................590.......150.......0
PD UK..........................420.65....110.......0
Lending Stream.................253.5.....123.......0
Mr Lender......................325.......75........0
Total unsecured debts..........5030.56...1562......-

Monthly Budget Summary
Total monthly income.................... 2,940
Expenses (including HP & secured debts). 1,267
Available for debt repayments........... 1,673
Monthly UNsecured debt repayments....... 1,562
Amount left after debt repayments....... 111
Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -0
Total Unsecured debt.................... -5,030.56
Net Assets.............................. -5,030.56
Created using the SOA calculator at www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission, using IE browser.

I havent included rent or council tax in this as my husband pays for this and I pay for the childcare so it evens it out. Water rates are included in the council tax payments - I live in Scotland.

rdchick

Do you live mortgage/rent free? xxx

Josparoonie

No! I wish! I posted it before typing in at bottom, my husband pays that as I pay for childcare when we first moved in together he paid the rent and council tax and I paid the gas, electricity etc and it was all evened out that way, we never got around to setting up joint accounts or anything (thank goodness) Jo x