Hello again - my SOA

melanie45

Hi allthanks for a warm welcome sorry i didnt put all the information down first time so here goes for my SOAMonthly incomingssalary £1602Monthly outgoings(my half)mortgage - £540council tax - £62gas - £21electric - £34water - £9phone - £35tv license - £6build & contents £25mortgage ins - £39sky - £27gym - £42computer ins - £21magazine - £4TOTAL - £865direct debitsCCCS - £109endownment - 97.31specsavers - £10life ins - £36.39mobile - £20TOTAL - £272.70food - £173petrol - £87TOTAL - £260TOTAL OUTGOINGS - £1397I pay CCCS £109 to pay off my debts - as of end June 2007Lloyds overdraft - £265.06Lloyds loan - £1,873.37Lloyds cc - £5,267.31Egg cc - £3,374.07Northern Rock loan - £11,071.68hope this helps any thing else required please let me know

melanie45

I am trying to post my SOA and i enter it in a nice neat list but when i post it becomes all jumbled together what am i doing wrong please help me

smudgemanc26

Hi Melanie

It might be worth typing it out as per the sticky at the top of this board that way we can easily identify areas that you could save money on.

smudgemanc26

melanie45 wrote: »

I am trying to post my SOA and i enter it in a nice neat list but when i post it becomes all jumbled together what am i doing wrong please help me

Whoops you must have read my mind! Try and preview your post before you submit it and edit it there that way you will know what it looks like before you put it on the board. Just make sure you space everything out

melanie45

hi smudgemanc26i did set it out as per sticky and it is all nice and neat but when i post it it come out in one big block !!!! have done it 3 times now ha ha any ideas

Lucy1982_2

let me have a go.

Be back in a sec

Lucy1982_2

Hi allthanks for a warm welcome sorry i didnt put all the information down first time so here goes for my SOA

Monthly incomings
salary £1602

Monthly outgoings

(my half)mortgage - £540
council tax - £62
gas - £21
electric - £34
water - £9
phone - £35
tv license - £6
build & contents £25
mortgage ins - £39
sky - £27
gym - £42
computer ins - £21
magazine - £4

TOTAL - £865

direct debits
CCCS - £109
endownment - 97.31
specsavers - £10
life ins - £36.39
mobile - £20

TOTAL - £272.70

food - £173
petrol - £87

TOTAL - £260

TOTAL OUTGOINGS - £1397

I pay CCCS £109 to pay off my debts - as of end June 2007
Lloyds overdraft - £265.06
Lloyds loan - £1,873.37
Lloyds cc - £5,267.31
Egg cc - £3,374.07
Northern Rock loan - £11,071.68

hope this helps any thing else required please let me know

Lucy1982_2

There you go. Was that what you wanted?

How long do you have left on your gym membership? This could go as there are ways of keeping fit for free (well assuming you have running shoes etc) Also could you drop Sky down to the min package? We pay £15 a month and get all the main channels.

Just a couple of ideas. More people will be along soon.

Good luck

pinkshoes

Beware of mortgage insurance, as it costs alot of money and they will do anything not to cough up! my dad had an (unsuccessful) quadruple heart bypass, and was told to give up work or he'd risk having a heart attack and would die - this didn't count as a critical illness so mortgage insurance wouldn't pay!!

Is the food for 2 of you, or your half? if it's for 2 of you, then i guess that's about right, but if that's just your share, then you could cut this down by £100+

Ditto for the computer insurance, unless you have a VERY expensive computer (> £2000) that you take away with you alot!

melanie45

yes that was what i was trying to do thats how i typed it in !!!! how did u do it for future referencegym has a while to go yet unfortunately, food is my half we usually spend about £70 - £80 a week, am going to speak to sky and see what we can get it down tothanks for all your advice so far its been really helpful

Lucy1982_2

I just copied and pasted it and then entered to create new lines. I have no idea why this didn't work for you.

One other thing. You have money left over at the end of each month. Do you know where this goes? It may be worth while keeping a spending diary where you write down what you spend and what on. I've found mine really interesting, I just need to do something about it now!!

I've found that my spending diary has become a small part of me and carries loads of helpful info for when I need it. Have a look around the rest of the site as there are some really helpful hints and tips about.