Help needed

autumn2012_2

Hi, Been on and off this page now for abut 1 year. I had my LBM in January and starting clearing my debt - last 2 months have been expensive due to getting a new kitchen (very much needed as the old one was 30 years old and falling off the walls literally) but Im still owing less than before so not too bad considering. Can anybody post me a SOA form and help me find ways of cutting back (although I have cut back to the bone as is it)

autumn2012_2

Found one :


Amount (£)
Monthly Income (after tax)
600
Partner's Monthly Income
1400
Benefits
500
Other Income (e.g. maintenance payments)
0
Enter your monthly expenditure
Amount (£)
Mortgage payment (from secured debt table below)
343
Secured/HP loans (from secured debt table below)
305
Rent
0
Management Charge (e.g. on leasehold property)
0
Council Tax
106
Electricity
50
Gas
40
Oil
0
Water Rates
50
Telephone (land line)
0
Mobile Phone
60
TV Licence
10
Satellite/Cable TV
38
Internet Services
0
Groceries etc.
250
Clothing
30
Petrol/Diesel
100
Road Tax (car)
3
Car Insurance (including breakdown cover)
45
Car Maintenance (including MOT)
0
Car Parking
10
Other Travel
0
Childcare/Nursery
0
Other child related expenses
0
Medical (prescriptions, dentists, opticians etc.)
5
Pet Insurance/Vet bills
20
Building Insurance
13
Contents Insurance
0
Life Assurance
28
Other Insurance
0
Presents (birthday, christmas etc.)
40
Haircuts
10
Entertainment
0
Holiday
0
Household Emergency Fund (e.g. for repairs)
0
Add another
Enter SECURED debts and Hire Purchase (HP) debts
Enter ALL your mortgage, secured and HP debt details here.

Debt description Debt (£) Monthly payment (£) Annual Rate (%)
Mortgage
65000

343

0.00
Secured debt
0

0

0.00
Hire Purchase (HP)
8600

220

0.00

Sofa

300

30

0.00

Ring

80

40

0.00

DT

45

15

0.00
Add another
Enter your UNsecured Debts e.g. credit cards
Debt description Debt (£) Min Pay (£) Annual Rate (%)

CC1

3040

75

0.00

CC2

1450

30

0.00

CC3

1350

25

0.00

CC4

1680

40

25.9

Loan

5600

200

0.00
Add another
Enter the value of your assets
Asset Value (£)
Cash
0
House value (gross)
100000
Shares & bonds
0
Car(s)
7000
Other assets (e.g. endowments, jewellery)
2000
Additional Information
Optional information, but very useful for anyone reviewing your SOA.

Number of adults in household
2
Number of children in household
2
Number of cars owned
1

getmore4less

http://www.stoozing.com/calculator/soa.php

format for MSE. will be easier to read.