My names Laura, and i'm a spendoholic

System

Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 2
Number of children in household......... 0
Number of cars owned.................... 1
Monthly Income Details
Monthly income after tax................ 1371.81
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 1371.81
Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 595
Management charge (leasehold property).. 0
Council tax............................. 118
Electricity............................. 30
Gas..................................... 30
Oil..................................... 0
Water rates............................. 18
Telephone (land line)................... 10
Mobile phone............................ 40
TV Licence.............................. 15
Satellite/Cable TV...................... 20
Internet Services....................... 15
Groceries etc. ......................... 150
Clothing................................ 0
Petrol/diesel........................... 100
Road tax................................ 10
Car Insurance........................... 50
Car maintenance (including MOT)......... 9
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 2.5
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 0
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 20
Haircuts................................ 0
Entertainment........................... 50
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 1282.5

Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 400
Other assets............................ 0
Total Assets............................ 400

No Secured nor Hire Purchase Debts
Unsecured Debts
Description....................Debt......Monthly...APR
Credit Card....................1211.29...0.........0
Loan...........................5149.8....171.6.....0
Owe for car....................1200......0.........0
Total unsecured debts..........7561.09...171.6.....-

Monthly Budget Summary
Total monthly income.................... 1,371.81
Expenses (including HP & secured debts). 1,282.5
Available for debt repayments........... 89.31
Monthly UNsecured debt repayments....... 171.6
Amount short for making debt repayments. -82.29
Personal Balance Sheet Summary
Total assets (things you own)........... 400
Total HP & Secured debt................. -0
Total Unsecured debt.................... -7,561.09
Net Assets.............................. -7,161.09

tattycath

That's £368 difference between your first and 2nd SOA. and this is just the beginning

System

yeah i messed up and put yearly for a couple of things *doh*

nuttyp

I know exactly how the OP feels, my Oh in the past was exactly the same. He did claim for JS tho. TBH if the OP is feeding him and providing the roof over his head, then thats probably why he isnt rushing to sort things out. Maybe tough love approach is needed.

Definatly agree with some of the postings of decreasing the spending, food can be bought cheaply. Going back to basic cooking will help instead of buying convenience foods.

Hope you get it sorted soon.

tattycath

Gizzymo wrote: »

yeah i messed up and put yearly for a couple of things *doh*

Yes but it's a start.
https://forums.moneysavingexpert.com/discussion/4245893
https://forums.moneysavingexpert.com/discussion/4016713
https://forums.moneysavingexpert.com/discussion/4084527
Just a couple of thread for you to take a look at.

System

I appear to have completely messed this up, I chose a bad month for putting my shopping amount down (extra alcohol due to birthdays etc)

Looking on my spreadsheets my average amount on shopping is £98 a month

I'm really not normally this rubbish i promise, not really with it today!

theoretica

Your latest spreadsheet has you at -£83 a month, and with the reduced grocery figure that would be nearer -£35. If your OH got himself in gear and claimed JSA and checked out anything else you can get then you would be fairly easily breaking even. Does he realise this?

Loubell83

Gizzymo wrote: »

I have taken pics of some things to seel on Ebay (Clothes i never wore, Remote control car etc) I am waiting for a free listing weekend to put them all on there

You get 100 listings per calendar month free if they start at 99p. You could always list the stuff that you don't want a big price for and see how you get on.

Also, there are plenty of survey sites out there you or your OH could do to get vouchers to help with shopping - valued opinions, my survey and swagbucks are 3 of my favourites. Check out the Up Your Income boards for more info if you need it.

Also, you might want to keep a spending diary to track all spending and see if there is the odd thing here or there that you could cut out - when I did this I found my magazine and coffee spending was more then I imagined!

Good luck!

catwoman73

OP Your OH could be correct about not being entitled to JSA. He won't be entitled to income based because if you live together, you are expected to support him.

£100 per year seems low for car maintenance, I would have thought £30-50 per month was a more realistic long term average.

Also are you sure about your petrol figure - you say you live 40 miles from work- won't this cost a lot more than £100 per month?

Can you move to nearer your work - what are the rents like and job prospects for your OH?

whiteguineapig

laura i could be wrong so please check

i think its free listing this weekend!

editing to add that as you have no children i would cancel christmas presents, your family would surely understand
use the vouchers throughout the next few months on food