Help needed

mrsscattercushion

No it is not, it just is a very honest thread and shows the difficulties that you are facing....you can get through this, hang in there and one step at a time....take care

wegle

BNS please if you find yourself in crisis contact the Samaritans straight away or your local Mental Health Crisis team. These people want to and can help you when you are struggling with suicidal thoughts. Never be ashamed or embarrassed to reach out for help.

This thread is not frustrating at all. And remember it is your thread to do with as you please. We're here to help you along the way where we can.

BrandNewStart

OK I have done a few things today. I have been to the Doctor about my depression. Just to touch base and talk really.

I have just got off the phone with Stepchange and gone through my basic outgoings. I know I should do this myself but I find it easier to talk it through with someone. I have got an appt booked for 2pm today to go through a budget in more detail. I need to find out a few things - how much my gas and electricity are, and how much my AA membership is. Also am I paying for boiler cover at the flat I rent out.

It feels really scary but I am glad I am facing it.

BrandNewStart

I think part of this is dealing with the feelings it brings up. It does feel scary like a tightness in the chest. But it will work out I guess.

dancingfairy

Sounds good. Excellent start.
With regards to gas and electric do you have any statements floating around do you think? do you have online statements you can log into to see?
If not a rough guess will do. You can always update your SOA as you go along, it's not set in stone. If you do find you've underestimated a bit you just tell them that with the prices rising and stuff you hadn't increased it enough. It won't be a massive problem. Just try and overestimate your bills slightly so you have a little bit of wriggle room rather than underestimating them and leaving yourself short as this won't help.
df

dancingfairy

The tight feeling in your chest could well be stress related. If you are concerned however or it gets worse or is worse when you move (ie when going up and downstairs) then you should seek medical help.
df

BrandNewStart

Cool, I have found this out now.
Electricity 33.60
Gas 45.24
Home phone 14.90
Broadband is free until March 2014 then 6.99

Not sure if this is any good or not.

dancingfairy

You need to know where you are starting from. If that's what they are then that's what they are.
None of them seems particulaly high or anything so try not to worry.
df
P.S I'm sure once you've given your figures and got a plan together you will feel much better.

BrandNewStart

Finally, finally:

Statement of Affairs and Personal Balance Sheet

Household Information
Number of adults in household........... 1
Number of children in household......... 0
Number of cars owned.................... 1

Monthly Income Details
Monthly income after tax................ 2964
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 2964

Monthly Expense Details
Mortgage................................ 562
Secured/HP loan repayments.............. 205
Rent.................................... 675
Management charge (leasehold property).. 0
Council tax............................. 126
Electricity............................. 34
Gas..................................... 46
Oil..................................... 0
Water rates............................. 24
Telephone (land line)................... 15
Mobile phone............................ 67
TV Licence.............................. 13
Satellite/Cable TV...................... 0
Internet Services....................... 7
Groceries etc. ......................... 222
Clothing................................ 34
Petrol/diesel........................... 150
Road tax................................ 0
Car Insurance........................... 49
Car maintenance (including MOT)......... 30
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 11
Pet insurance/vet bills................. 0
Buildings insurance..................... 19
Contents insurance...................... 0
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 9
Entertainment........................... 69
Holiday................................. 0
Emergency fund.......................... 12
Dry Cleaning ........................... 10
Union Fees.............................. 17
Books................................... 20
Total monthly expenses.................. 2426


Assets
Cash.................................... 0
House value (Gross)..................... 82000
Shares and bonds........................ 0
Car(s).................................. 5825
Other assets............................ 0
Total Assets............................ 87825


Secured & HP Debts
Description....................Debt......Monthly...APR
Mortgage...................... 96000....(562)......5
Secured Debt.................. 6500.....(205)......18.9
Total secured & HP debts...... 102500....-.........-

Unsecured Debts
Description....................Debt......Monthly...APR
Engagement Ring................275.......19........0
Barclaycard....................2800......65........0
Bike...........................1750......53........0
Santander Credit Card..........122.......5.........16.9
Overdraft......................2106......17........0
Total unsecured debts..........7053......159.......-


Monthly Budget Summary
Total monthly income.................... 2,964
Expenses (including HP & secured debts). 2,426
Available for debt repayments........... 538
Monthly UNsecured debt repayments....... 159
Amount left after debt repayments....... 379

Personal Balance Sheet Summary
Total assets (things you own)........... 87,825
Total HP & Secured debt................. -102,500
Total Unsecured debt.................... -7,053
Net Assets.............................. -21,728

Created using the SOA calculator at https://www.stoozing.com.
Reproduced on Moneysavingexpert with permission, using other browser.

BrandNewStart

OK so I think it could be worse. One fly in ointment is that current tenants are moving out soon and have had to pay £70 to fix guttering which will come off their last month's rent. Really hope the Estate Agents can find another tenant quickly