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holy moly soa
freshtimes
Posts: 13 Forumite
Statement of Affairs and Personal Balance
Household Information
Number of adults in household........... 2
Number of children in household......... 1
Number of cars owned.................... 1
Monthly Income Details[/b]
Monthly income after tax................ 1770
Partners monthly income after tax....... 880
Benefits................................ 81
Other income............................ 100
Total monthly income.................... 2831
Monthly Expense Details[/b]
Mortgage................................ 884
Secured/HP loan repayments.............. 0
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax............................. 128
Electricity............................. 72
Gas..................................... 57
Oil..................................... 0
Water rates............................. 21
Telephone (land line)................... 0
Mobile phone............................ 29
TV Licence.............................. 11
Satellite/Cable TV...................... 79
Internet Services....................... 0
Groceries etc. ......................... 280
Clothing................................ 0
Petrol/diesel........................... 110
Road tax................................ 0
Car Insurance........................... 25
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 16
Buildings insurance..................... 13
Contents insurance...................... 0
Life assurance ......................... 0
Other insurance......................... 50
Presents (birthday, christmas etc)...... 0
Haircuts................................ 0
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 1775
Assets
Cash.................................... 0
House value (Gross)..................... 210000
Shares and bonds........................ 0
Car(s).................................. 700
Other assets............................ 0
Total Assets............................ 210700
Secured & HP Debts
Description....................Debt......Monthly...APR
Mortgage...................... 175000...(884)......4
Total secured & HP debts...... 175000....-.........-
Unsecured Debts
Description....................Debt......Monthly...APR
nw cc..........................3700......82........6.2
barclaycard....................6500......129.......16.9
barclaycard....................2000......68........24.9
joint cc.......................3000......90........0
loan...........................7200......291.......6.9
very...........................1300......65........32.9
next...........................200.......15........29.9
halifax........................500.......14........15.9
overdraft 2 ...................1000......15........17.9
overdraft 1....................2800......49........17.9
asda...........................950.......23........24.9
capital one....................450.......14........20.9
vanquis card...................500.......24........34.95
Total unsecured debts..........30100.....879.......-
Monthly Budget Summary
Total monthly income.................... 2,831
Expenses (including HP & secured debts). 1,775
Available for debt repayments........... 1,056
Monthly UNsecured debt repayments....... 879
Amount left after debt repayments....... 177
Personal Balance Sheet Summary
Total assets (things you own)........... 210,700
Total HP & Secured debt................. -175,000
Total Unsecured debt.................... -30,100
Net Assets.............................. 5,600
any help appricated!
i have a serious credit card issue as you can see! it stops here. now. i cant do a dmp as i'd lose my job. i am just managing to pay everything, never missed a payment but its getting tight. my problem is spending as you can see. even tho i have a surplus i never in reality do.
my partner earns more than stated but we have seperate finances so have put his income as what he gives me for the bills. he pays more than half. the 100 extra under income is also what he gives me to help me out.
i am being consumed by debt.
Household Information
Number of adults in household........... 2
Number of children in household......... 1
Number of cars owned.................... 1
Monthly Income Details[/b]
Monthly income after tax................ 1770
Partners monthly income after tax....... 880
Benefits................................ 81
Other income............................ 100
Total monthly income.................... 2831
Monthly Expense Details[/b]
Mortgage................................ 884
Secured/HP loan repayments.............. 0
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax............................. 128
Electricity............................. 72
Gas..................................... 57
Oil..................................... 0
Water rates............................. 21
Telephone (land line)................... 0
Mobile phone............................ 29
TV Licence.............................. 11
Satellite/Cable TV...................... 79
Internet Services....................... 0
Groceries etc. ......................... 280
Clothing................................ 0
Petrol/diesel........................... 110
Road tax................................ 0
Car Insurance........................... 25
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 16
Buildings insurance..................... 13
Contents insurance...................... 0
Life assurance ......................... 0
Other insurance......................... 50
Presents (birthday, christmas etc)...... 0
Haircuts................................ 0
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 1775
Assets
Cash.................................... 0
House value (Gross)..................... 210000
Shares and bonds........................ 0
Car(s).................................. 700
Other assets............................ 0
Total Assets............................ 210700
Secured & HP Debts
Description....................Debt......Monthly...APR
Mortgage...................... 175000...(884)......4
Total secured & HP debts...... 175000....-.........-
Unsecured Debts
Description....................Debt......Monthly...APR
nw cc..........................3700......82........6.2
barclaycard....................6500......129.......16.9
barclaycard....................2000......68........24.9
joint cc.......................3000......90........0
loan...........................7200......291.......6.9
very...........................1300......65........32.9
next...........................200.......15........29.9
halifax........................500.......14........15.9
overdraft 2 ...................1000......15........17.9
overdraft 1....................2800......49........17.9
asda...........................950.......23........24.9
capital one....................450.......14........20.9
vanquis card...................500.......24........34.95
Total unsecured debts..........30100.....879.......-
Monthly Budget Summary
Total monthly income.................... 2,831
Expenses (including HP & secured debts). 1,775
Available for debt repayments........... 1,056
Monthly UNsecured debt repayments....... 879
Amount left after debt repayments....... 177
Personal Balance Sheet Summary
Total assets (things you own)........... 210,700
Total HP & Secured debt................. -175,000
Total Unsecured debt.................... -30,100
Net Assets.............................. 5,600
any help appricated!
i have a serious credit card issue as you can see! it stops here. now. i cant do a dmp as i'd lose my job. i am just managing to pay everything, never missed a payment but its getting tight. my problem is spending as you can see. even tho i have a surplus i never in reality do.
my partner earns more than stated but we have seperate finances so have put his income as what he gives me for the bills. he pays more than half. the 100 extra under income is also what he gives me to help me out.
i am being consumed by debt.
0
Comments
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you seem to have a lot of sections with no amount - such as haircuts, clothes and car tax. Do you honestly spend nothing on any of these?
Could your partner give you more help towards tackling your debt?Sealed Pot no 2011
0 -
quite honestly, i havent had my haircut in over 6 months as cant afford it and things like birthdays and cars etc go on the credit cards. hence the over spend problem..... it HAS to stop.0
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my partner already pays in more than half to cover bills and also gives me 100 a month to help out. the only joint debt we have is the joint cc which he put himself as main card holder so we could do 0% on it. i cannot get any 0% deals.0
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Can you repost putting your birthdays, cars etc into the relevant sections as we need that information to get an idea of your spend.0
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sorry should also add any house related emergancies or child related emergancis my partner would cover0
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okay, here goes. as mentioned, normally cars/presents etc would go on credit cards but cant do that anymore so hopefully the figures below will be enough. scrimp from now on!
Statement of Affairs and Personal Balance
Household Information
Number of adults in household........... 2
Number of children in household......... 1
Number of cars owned.................... 1
Monthly Income Details
Monthly income after tax................ 1770
Partners monthly income after tax....... 880
Benefits................................ 81
Other income............................ 100
Total monthly income.................... 2831
Monthly Expense Details
Mortgage................................ 884
Secured/HP loan repayments.............. 0
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax............................. 128
Electricity............................. 72
Gas..................................... 57
Oil..................................... 0
Water rates............................. 21
Telephone (land line)................... 0
Mobile phone............................ 29
TV Licence.............................. 11
Satellite/Cable TV...................... 79 (sky, internet and phone)
Internet Services....................... 0
Groceries etc. ......................... 280
Clothing................................ 0 (enough clothes to last me a lifetime!)
Petrol/diesel........................... 110
Road tax................................ 10
Car Insurance........................... 25
Car maintenance (including MOT)......... 5
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 5
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 16
Buildings insurance..................... 13
Contents insurance...................... 0
Life assurance ......................... 0
Other insurance......................... 50 (mgt repayment protector)
Presents (birthday, christmas etc)...... 10
Haircuts................................ 5
Entertainment........................... 10
Holiday................................. 0
Emergency fund.......................... 5
Total monthly expenses.................. 1825
Assets
Cash.................................... 0
House value (Gross)..................... 210000
Shares and bonds........................ 0
Car(s).................................. 700
Other assets............................ 0
Total Assets............................ 210700
Secured & HP Debts
Description....................Debt......Monthly.. .APR
Mortgage...................... 175000...(884)......4
Total secured & HP debts...... 175000....-.........-
Unsecured Debts
Description....................Debt......Monthly.. .APR
nw cc..........................3700......82........6. 2
barclaycard....................6500......129...... .16.9
barclaycard....................2000......68....... .24.9
joint cc.......................3000......90........0
loan...........................7200......291...... .6.9
very...........................1300......65....... .32.9
next...........................200.......15....... .29.9
halifax........................500.......14....... .15.9
overdraft 2 ...................1000......15........17.9
overdraft 1....................2800......49........17.9
asda...........................950.......23....... .24.9
capital one....................450.......14........20.9
vanquis card...................500.......24........34.95
Total unsecured debts..........30100.....879.......-
Monthly Budget Summary
Total monthly income.................... 2,831
Expenses (including HP & secured debts). 1,825
Available for debt repayments........... 1,006
Monthly UNsecured debt repayments....... 879
Amount left after debt repayments....... 127
Personal Balance Sheet Summary
Total assets (things you own)........... 210,700
Total HP & Secured debt................. -175,000
Total Unsecured debt.................... -30,100
Net Assets.............................. 5,6000 -
Satellite/Cable TV is very high.
Reduce (a lot) or, better yet, get rid and go Freeview/Freesat.0 -
Bedsit_Bob wrote: »Satellite/Cable TV is very high.
Reduce (a lot) or, better yet, get rid and go Freeview/Freesat.
hi, that includes broadband, tv and home phone. i thought all in that was reasonable, but maybe not?0 -
freshtimes wrote: »okay, here goes. as mentioned, normally cars/presents etc would go on credit cards but cant do that anymore so hopefully the figures below will be enough. scrimp from now on!
Statement of Affairs and Personal Balance
Household Information
Number of adults in household........... 2
Number of children in household......... 1
Number of cars owned.................... 1
Monthly Income Details
Monthly income after tax................ 1770
Partners monthly income after tax....... 880
Benefits................................ 81
Other income............................ 100
Total monthly income.................... 2831
Monthly Expense Details
Mortgage................................ 884
Secured/HP loan repayments.............. 0
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax............................. 128 Can you ask your local council if you can spread the cost over 12 months instead of 10?
Electricity............................. 72
Gas..................................... 57 Are you on the cheapest deals, have you checked this?
Oil..................................... 0
Water rates............................. 21
Telephone (land line)................... 0
Mobile phone............................ 29
TV Licence.............................. 11
Satellite/Cable TV...................... 79 (sky, internet and phone) Sometimes if you threaten to leave then your current provider will offer you a better deal, try this if you can't do without
Internet Services....................... 0
Groceries etc. ......................... 280
Clothing................................ 0 (enough clothes to last me a lifetime!)
Petrol/diesel........................... 110
Road tax................................ 10
Car Insurance........................... 25
Car maintenance (including MOT)......... 5 This seems very low
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 5
Medical (prescriptions, dentist etc).... 0 Are your prescriptions free?
Pet insurance/vet bills................. 16
Buildings insurance..................... 13
Contents insurance...................... 0 No contents insurance?
Life assurance ......................... 0
Other insurance......................... 50 (mgt repayment protector)
Presents (birthday, christmas etc)...... 10
Haircuts................................ 5
Entertainment........................... 10
Holiday................................. 0
Emergency fund.......................... 5
Total monthly expenses.................. 1825
Assets
Cash.................................... 0
House value (Gross)..................... 210000
Shares and bonds........................ 0
Car(s).................................. 700
Other assets............................ 0
Total Assets............................ 210700
Secured & HP Debts
Description....................Debt......Monthly.. .APR
Mortgage...................... 175000...(884)......4
Total secured & HP debts...... 175000....-.........-
Unsecured Debts
Description....................Debt......Monthly.. .APR
nw cc..........................3700......82........6. 2
barclaycard....................6500......129...... .16.9
barclaycard....................2000......68....... .24.9
joint cc.......................3000......90........0
loan...........................7200......291...... .6.9
very...........................1300......65....... .32.9
next...........................200.......15....... .29.9
halifax........................500.......14....... .15.9
overdraft 2 ...................1000......15........17.9
overdraft 1....................2800......49........17.9
asda...........................950.......23....... .24.9
capital one....................450.......14........20.9
vanquis card...................500.......24........34.95
Total unsecured debts..........30100.....879.......-
Monthly Budget Summary
Total monthly income.................... 2,831
Expenses (including HP & secured debts). 1,825
Available for debt repayments........... 1,006
Monthly UNsecured debt repayments....... 879
Amount left after debt repayments....... 127
Personal Balance Sheet Summary
Total assets (things you own)........... 210,700
Total HP & Secured debt................. -175,000
Total Unsecured debt.................... -30,100
Net Assets.............................. 5,600
It looks like some of your estimations are low and some of your bills could potentionally be reduced?0 -
I appreciate it's an all in package, but you can still do better than that.
You should get it even cheaper, if you dump the TV, and just go phone and broadband.
Try HERE.
Even SKY can do you phone and broadband for £24-50pm.0
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