just a wee question :-)

hettiecarro

Morning Blue_Pixie
If you get chance to put your SoA on it will be good.
Loads of DF wannabees who can't get online in the week will come on on the weekend

blue_pixie

Thanks hettiecarro. My laptop has given up the ghost, but I will type out a soa later.

blue_pixie

Statement of Affairs and Personal Balance Sheet

Household Information
Number of adults in household........... 2
Number of children in household......... 1
Number of cars owned....................

Monthly Income Details
Monthly income after tax................ 950
Partners monthly income after tax....... 0
Benefits................................ 81.2
Other income............................ 0
Total monthly income.................... 1031.2

Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 50
Management charge (leasehold property).. 0
Council tax............................. 132
Electricity............................. 25
Gas..................................... 25
Oil..................................... 0
Water rates............................. 0
Telephone (land line)................... 10
Mobile phone............................ 20
TV Licence.............................. 12.5
Satellite/Cable TV...................... 5.99
Internet Services....................... 10
Groceries etc. ......................... 300
Clothing................................ 10
Petrol/diesel........................... 0
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 20
Childcare/nursery....................... 0
Other child related expenses............ 10
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 0
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 5
Haircuts................................ 0
Entertainment........................... 10
Holiday................................. 0
Emergency fund.......................... 10
Total monthly expenses.................. 655.49


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

No Secured nor Hire Purchase Debts

Unsecured Debts
Description....................Debt......Monthly...APR
Council tax arrears............1021......75........0
Childcare arrears..............236.......30........0
Lowell.........................750.......7.........0
British Gas....................976.......10........0
Tax credits overpayme..........196.......15........0
Capital One....................220.......5.........0
Lowell ........................337.......5.........0
Total unsecured debts..........3736......147.......-


Monthly Budget Summary
Total monthly income.................... 1,031.2
Expenses (including HP & secured debts). 655.49
Available for debt repayments........... 375.71
Monthly UNsecured debt repayments....... 147
Amount left after debt repayments....... 228.71

Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -0
Total Unsecured debt.................... -3,736
Net Assets.............................. -3,736

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

This is my Soa... with what I pay out every month. My partner is not on it as all the debts are from before we got together, so he has nothing really to do with them.
I haven't had my first full pay from a new job, so not sure if this is really how thing work out...
I never have anything like that left over at the end of the month, so im not sure what is going on.. !
I am an absolute wreck after writing all my debts out like that, I can barely look at it. What a mess.

blue_pixie

I emailed the DCA I was talking about in the initial post and offered them a monthly payment for the british gas arrears, instead of waiting for them to write to me again, I hope this was the right thing to do. I am not feeling very positive tonight, overwhelming to see things in black and white, I feel so guilty, I hate that I've let my partner and son down like this. What a situation to get myself in. I thought I was coping and sorting things out, but today I feel very blue.

blue_pixie

Forgot to say all the debts are 3 years or much more old. Bp

When_the_going_gets_tough

Op do you get child tax credits?

blue_pixie

No not anymore.