Rising to the top of the ocean - and staying afloat!

rising_from_the_ashes

SOA - just starting to gather stuff for the new diary

Think it needs a bit of reviewing as I've not got that left BUT I did have a big deficit when I was on reduced hours so that's maybe why it feels wrong ....

There's def stuff missing so will have a ponder ....

Statement of Affairs and Personal Balance Sheet

Household Information
Number of adults in household........... 1
Number of cars owned.................... 1

Monthly Income Details
Monthly income after tax................ 1370

Monthly Expense Details
Mortgage................................ 277
Management charge - estate maintenance .. 12
Council tax............................. 95
Electricity............................. 40
Gas..................................... 35
Boiler cover............................. 15
Telephone (land line)................... 15
Mobile phone............................ 10
TV Licence.............................. 12.12
Satellite/Cable TV...................... 26
Internet Services....................... 14
Groceries etc. ......................... 120
Clothing................................ 25
Petrol/diesel........................... 130
Road tax................................ 10
Car Insurance........................... 20
Car maintenance (including MOT)......... 35
Cats insurance ............................. 14
Dog insurance ............................ 24
Dog costs .................................. 40
Cat costs.................................... 50
Medical (prescriptions, dentist etc).... 20
Buildings insurance..................... 10
Contents insurance...................... 10
Income protection insurance...................... 30
Tablet insurance......................... 2.5
Presents (birthday, christmas etc)...... 5
Haircuts................................ 10
Entertainment........................... 30
Holiday................................. 10
Emergency fund.......................... 25
Replacement boiler fund.......................... 25
Total monthly expenses.................. 1196.62

Assets
Cash.................................... 600 Replacement boiler
House value (Gross)..................... 0
Car(s).................................. 5000
Total Assets............................ 5600

Secured & HP Debts
Description....................Debt......Monthly...APR
Mortgage.....................................(277)......3.49

Monthly Budget Summary
Total monthly income.................... 1,370
Expenses (including HP & secured debts). 1,196.62
Available for debt repayments........... 173.38


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

beanielou

You are in the lucky situation that at least you have nae debts.

slowlyfading

Looks good to me

rising_from_the_ashes

Cheers guys - beanielou OD is rather a lot again SF def stuff missing as I know I don't have that much left (it was around the £60 mark!)



Feeling a bit carp as just found out one of my friends died today .... not altogether unexpected (cancer:() and in a way I'm glad she's at peace now as she's been battling it for nearly 6 years ..... just such a carp time of year and I feel so bad for her family as, it just seems so much more worse this time of year .... RIP Tilly, you were a wonderful lady and will be missed by many xx

Munchin

Hi Risin

Sorry to hear about your friend.

rising_from_the_ashes

Thank you Muchin ..... I don't know if it's me but leading up to Christmas there always seems to be more people who pass on, someone's pet who goes to the bridge etc

amber03

So sorry to here about your friend, illness doesn't stop cos its xmas. Last year my dad was seriously ill in hospital, I now see a different side to xmas. Take care.xx

Munchin

Hi Risin- thank u for popping by - I can sum up my diary like this "things are going great.....blip....things are going great......blip".

Have a great day tmw

rising_from_the_ashes

Merry Christmas Everyone


Hope you are all safe after the storms - and managed some sleep, honestly it was awful here (winds and stuff blowing around outside) but know it was worse elsewhere

Maisie & the cats were really freaked out & think we managed sleep between 2am and 4am so a bit like zombies this morning :eek:

Have a lovely day all xx

beanielou

Hope you had a good day