Advice on SOA

Blondygirl

DancerSupreme wrote: »

That is fab I will give them a call. He didn't get on with dry food diet as a puppy. He was too hyperactive (to the point that he got kicked out of puppy class "Marley & Me" style lol) so always nervous of changing as he has just started calming down a bit. Will def have a chat though xx

Hiya,

Been on my 2nd springer I know hyperactive:rotfl:Thats why I feed the wheat free with no additives (we have Complete Tripe but the lamb with rice is good for her too) etc as they advised. Could have just been what was in the dry food, but tell them this & i'm sure they will advise you. It might not suit him but worth a try.

All the best

woodformoretrees

bsms1147 wrote: »

£600 a year on the dog walker...

Yes. only £1.64 a day for a happy, healthy and well looked after dog.

TakingControl

Not a lot to add to the SOA but with regards to your pup, maybe one of the neighbours would help out on the day instead?

My neighbours working hours have changed which means their dog would be home alone for 12 hours on 2 days a week. As I work from home, he now comes and stays with me for those 2 days (free of charge as that's what neighbours do and I love dogs). He has company and I have company Maybe there is one of your neighbour who would do the same for you?

R_P_W

If things are that tight maybe you can't afford to have a dog and a cat?!

sourcrates

Hi,


CSA..................................... 200


any chance you can reduce this ? is this an agreement you have to pay the CSA ?
I cant see anywhere else that you can make realistic cuts ?

StanwithaPlan

sourcrates wrote: »

Hi,


CSA..................................... 200


any chance you can reduce this ? is this an agreement you have to pay the CSA ?
I cant see anywhere else that you can make realistic cuts ?

Sourcrates I'm very sorry I accidentally hit spam but didn't mean to, I don't know if you get notified but wanted to apologise! I did unspam straight away I promise...newbie...sorry

StanwithaPlan

DancerSupreme - your budget is very much like mine having no 'wiggle room'! I can only suggest trying to shave £5pw off your food spends to make a little change that you shouldn't notice too much and definitely investigate cutting your pet food costs - my cat will only eat Iams or aldi cat food, she can't tell the difference ... guess which she gets My dog does have a sensitive tum but she's only a tiddly Jack Russell so doesn't eat that much! x

[Deleted User]

DancerSupreme wrote: »

Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 2
Number of children in household......... 2
Number of cars owned.................... 2Both owned
Monthly Income Details
Monthly income after tax................ 740
Partners monthly income after tax....... 1300
Benefits................................ 334
Other income............................ 100
Total monthly income.................... 2474
Monthly Expense Details
Mortgage................................ 647
Secured/HP loan repayments.............. 0
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax............................. 115 Over 12 months
Electricity............................. 55 Trying to build a credit for winter
Gas..................................... 55 As above
Oil..................................... 0
Water rates............................. 35
Telephone (land line)................... 5.5 Line rental paid up front and this offer ends in 11 months. Includes internet. - You still need to budget for this, as you are still paying it.
Mobile phone............................ 45 Two phones - You could save around £25 by going PAYG/sim only.
TV Licence.............................. 13
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 200
Clothing................................ 0 Never budget as only buy when needed - You still need to budget something for this.
Petrol/diesel........................... 180 One tank of fuel per car per month with 10% contingency
Road tax................................ 30
Car Insurance........................... 41.99 One car as other is paid outright - You still need to budget for the car, as you are still paying it
Car maintenance (including MOT)......... 0 Never budget...just been lucky!! - One day you won't be, so you need to put something aside for it.
Car parking............................. 65 I work in the city and public transport costs the same as running a car and parking.
Other travel............................ 0
Childcare/nursery....................... 337.5 Two days a week while I work. Funding begins in Sept.
Other child related expenses............ 47 Sch Dinners and after sch club one day
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 31
Buildings insurance..................... 0
Contents insurance...................... 20 Buildings and contents with staff discount
Life assurance ......................... 0 Included in work package for me and partner
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0 - Nothing?
Haircuts................................ 0 - Never?
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 0 - You need something in her, especially being a house owner.
Pet Supplies............................ 80 A dog and a cat
Union Membership........................ 6.9
Dog Walker.............................. 50 One day a week while I work 10 hr day
Bank Fee................................ 10 Me and hubby have reward account paying £5 per month which then pays this fee. We get breakdown, B&C discount etc
CSA..................................... 200
Total monthly expenses.................. 2269.89

Assets
Cash.................................... 900
House value (Gross)..................... 180000
Shares and bonds........................ 0
Car(s).................................. 7000
Other assets............................ 0
Total Assets............................ 187900

Secured & HP Debts
Description....................Debt......Monthly...APR
Mortgage...................... 160000...(647)......3.9 Staff rate and FTB combined
Total secured & HP debts...... 160000....-.........-
Unsecured Debts
Description....................Debt......Monthly...APR
Loan...........................6400......183.......20.9 Looking to refinance this month to reduce APR
Credit Card....................450.......5.........0 One year left 0% - What will this rise to?
Total unsecured debts..........6850......188.......-

Monthly Budget Summary
Total monthly income.................... 2,474
Expenses (including HP & secured debts). 2,269.89
Available for debt repayments........... 204.11
Monthly UNsecured debt repayments....... 188
Amount left after debt repayments....... 16.11
Personal Balance Sheet Summary
Total assets (things you own)........... 187,900
Total HP & Secured debt................. -160,000
Total Unsecured debt.................... -6,850
Net Assets.............................. 21,050
Created using the SOA calculator at www.stoozing.com.
Reproduced on Moneysavingexpert with permission, using other browser.

A few comments added.

Bublin1

sourcrates wrote: »

Hi,


CSA..................................... 200


any chance you can reduce this ? is this an agreement you have to pay the CSA ?
I cant see anywhere else that you can make realistic cuts ?

Wait.....so it's now accpetable to spend £100's on a dog walker AND also suggest you cut money that goes towards a child?

ferox666

Well done for keeping the dog walker and ignoring the ill-judged comments suggesting it "needs to go". The dog is part of your family not an unfeeling utility bill. Good luck x