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  • MW3
    MW3 Posts: 10 Forumite
    edited 1 October 2013 at 4:51PM
    I am perfectly willing to allow the CSA to chase him - if they can find him, good luck to them!

    Also, we are not a family of 7 living on £1200 p/m. I assume you are including the cats? We are a family of 5 living on roughly £1900 p/m. At the time of posting my SOA I hadn't included my partner's wage other than the portion that he pays into my account purely to cover his half of our bills. With the rest of his wages - that he spends on probably 90% of our other expenses - it is £1900.

    I signed up to this site for help. I didn't sign up to be abused. If that's how it is going to be then thanks but no thanks, I'll figure it out on my own.
  • LannieDuck
    LannieDuck Posts: 2,359 Forumite
    Eighth Anniversary 1,000 Posts Combo Breaker
    MW3, if your partner spends the rest of his wage on joint expenses, you really need to include those in the SOA to give a better overall picture and allow people to suggest where you could trim. (If it's just spending on him it's different.)

    ...unless you mean the groceries he pays for?
    Mortgage when started: £330,995

    “Two possibilities exist: either we are alone in the Universe or we are not. Both are equally terrifying.”
    Arthur C. Clarke
  • MW3 wrote: »
    I am perfectly willing to allow the CSA to chase him - if they can find him, good luck to them!

    Also, we are not a family of 7 living on £1200 p/m. I assume you are including the cats? We are a family of 5 living on roughly £1900 p/m. At the time of posting my SOA I hadn't included my partner's wage other than the portion that he pays into my account purely to cover his half of our bills. With the rest of his wages - that he spends on probably 90% of our other expenses - it is £1900.

    I signed up to this site for help. I didn't sign up to be abused. If that's how it is going to be then thanks but no thanks, I'll figure it out on my own.

    You know he is on a boat, so he has no relationship with his children?

    revise your soa to take into account that your partner does not indeed spend 600 a month on himself.....
  • MW3
    MW3 Posts: 10 Forumite
    No he has almost no relationship with his children. He has not been to see them since just before Christmas last year. He doesn't phone them or even contact me to find out how they are.

    This is our revised SOA. It still doesn't include groceries and petrol as I have no idea how much we've been spending on those so I would like to set a reasonable budget for those and stick rigidly to them.

    Statement of Affairs and Personal Balance Sheet

    Household Information

    Number of adults in household........... 2
    Number of children in household......... 3
    Number of cars owned.................... 2

    Monthly Income Details

    Monthly income after tax................ 0
    Partners monthly income after tax....... 1119.04
    Benefits................................ 860.9
    Other income............................ 0
    Total monthly income.................... 1979.94


    Monthly Expense Details

    Mortgage................................ 427
    Secured/HP loan repayments.............. 72
    Rent.................................... 0
    Management charge (leasehold property).. 0
    Council tax............................. 135
    Electricity............................. 138
    Gas..................................... 0
    Oil..................................... 0
    Water rates............................. 62.53
    Telephone (land line)................... 0
    Mobile phone............................ 74
    TV Licence.............................. 12.12
    Satellite/Cable TV...................... 52.71
    Internet Services....................... 0
    Groceries etc. ......................... 0
    Clothing................................ 0
    Petrol/diesel........................... 0
    Road tax................................ 0
    Car Insurance........................... 82.35
    Car maintenance (including MOT)......... 0
    Car parking............................. 0
    Other travel............................ 0
    Childcare/nursery....................... 0
    Other child related expenses............ 0
    Medical (prescriptions, dentist etc).... 28.9
    Pet insurance/vet bills................. 18
    Buildings insurance..................... 53.14
    Contents insurance...................... 27.82
    Life assurance ......................... 14.99
    Other insurance......................... 6.46
    Presents (birthday, christmas etc)...... 24.6
    Haircuts................................ 0
    Entertainment........................... 7.99
    Holiday................................. 0
    Emergency fund.......................... 0
    Total monthly expenses.................. 1237.61



    Assets

    Cash.................................... 0
    House value (Gross)..................... 150000
    Shares and bonds........................ 0
    Car(s).................................. 1800
    Other assets............................ 0
    Total Assets............................ 151800



    Secured & HP Debts

    Description....................Debt......Monthly...APR
    Mortgage...................... 102789...(427)......0
    Secured Debt.................. 17143....(72).......0
    Total secured & HP debts...... 119932....-.........-


    Unsecured Debts
    Description....................Debt......Monthly...APR
    Virgin CC......................1190.69...25........0
    Tesco CC.......................120.51....10........0
    (Unnamed debt).................2000......0.........0
    Total unsecured debts..........3311.2....35........-



    Monthly Budget Summary

    Total monthly income.................... 1,979.94
    Expenses (including HP & secured debts). 1,237.61
    Available for debt repayments........... 742.33
    Monthly UNsecured debt repayments....... 35
    Amount left after debt repayments....... 707.33


    Personal Balance Sheet Summary
    Total assets (things you own)........... 151,800
    Total HP & Secured debt................. -119,932
    Total Unsecured debt.................... -3,311.2
    Net Assets.............................. 28,556.8

  • NYM
    NYM Posts: 4,066 Forumite
    Tenth Anniversary 1,000 Posts Photogenic Combo Breaker
    edited 1 October 2013 at 7:51PM
    MW3 wrote: »
    No he has almost no relationship with his children. He has not been to see them since just before Christmas last year. He doesn't phone them or even contact me to find out how they are.

    This is our revised SOA. It still doesn't include groceries and petrol as I have no idea how much we've been spending on those so I would like to set a reasonable budget for those and stick rigidly to them.

    Statement of Affairs and Personal Balance Sheet

    Household Information

    Number of adults in household........... 2
    Number of children in household......... 3
    Number of cars owned.................... 2

    Monthly Income Details

    Monthly income after tax................ 0
    Partners monthly income after tax....... 1119.04
    Benefits................................ 860.9
    Total monthly income.................... 1979.94[/b]

    Monthly Expense Details

    Mortgage................................ 427
    Secured/HP loan repayments.............. 72
    Council tax............................. 135
    Electricity............................. 138
    Water rates............................. 62.53
    Mobile phone............................ 74
    TV Licence.............................. 12.12
    Satellite/Cable TV...................... 52.71
    Groceries etc. ......................... ?
    Clothing................................ ?
    Petrol/diesel........................... ?
    Road tax................................ ?
    Car Insurance........................... 82.35
    Car maintenance (including MOT)......... ?
    Car parking............................. 0
    Other travel............................ ?
    Medical (prescriptions, dentist etc).... 28.9
    Pet insurance/vet bills................. 18
    Buildings insurance..................... 53.14
    Contents insurance...................... 27.82
    Life assurance ......................... 14.99
    Other insurance......................... 6.46
    Presents (birthday, christmas etc)...... 24.6
    Haircuts................................ ?
    Entertainment........................... 7.99
    Holiday................................. 0
    Emergency fund..........................0
    Total monthly expenses.................. 1237.61



    Assets

    Cash.................................... 0
    House value (Gross)..................... 150000
    Car(s).................................. 1800
    Other assets............................ 0
    Total Assets............................ 151800



    Secured & HP Debts

    Description....................Debt......Monthly...APR
    Mortgage...................... 102789...(427)......0
    Secured Debt.................. 17143....(72).......0
    Total secured & HP debts...... 119932....-.........-


    Unsecured Debts
    Description....................Debt......Monthly...APR
    Virgin CC......................1190.69...25........0
    Tesco CC.......................120.51....10........0
    (Unnamed debt).................2000......0.........0
    Total unsecured debts..........3311.2....35........-



    Monthly Budget Summary

    Total monthly income.................... 1,979.94
    Expenses (including HP & secured debts). 1,237.61
    Available for debt repayments........... 742.33
    Monthly UNsecured debt repayments....... 35
    Amount left after debt repayments....... 707.33


    Personal Balance Sheet Summary
    Total assets (things you own)........... 151,800
    Total HP & Secured debt................. -119,932
    Total Unsecured debt.................... -3,311.2
    Net Assets.............................. 28,556.8


    Although you may not have any idea of costings, you must make some allowance for expenses for the two cars, such as road tax, fuel and maintenance.

    You really need to factor in groceries/clothes/haircuts etc to get a better idea of whether you have sufficient 'left over' for unsecured debts.

    There are a few things you can renegotiate such as House & Contents insurance....you are paying well over the odds.

    Get a PPC for your medicines, that is only £104 per year. Not the £336 odd that you're paying now.

    As for the unsecured debts...if you haven't the spare income, you can't pay. Perhaps you could arrange with them to pay a nominal sum each month by d/d until such time as your circumstances improve ?

    AND....give the CSA a call. It won't do you any harm.
  • MW3
    MW3 Posts: 10 Forumite
    The 28.90 is for OH's contact lenses - they're not covered by a PPC are they? We have NHS exemption cards for prescriptions.

    Definitely going to sort out cheaper house and contents insurance - didn't realise we are paying over the odds.

    Not sure if its worth looking into getting a water meter installed?
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