Curly's MF Walk

Curly_Fry

Good Evening All,

I have decided that 2016 is the year that we take hold of finances. I am trying to convince my DH how much money we waste in not planning well. I have added the SOA below, we seem to earn a fair bit but don't seem to have much to show for it, so here it is. I am a regular poster but as I'm adding this information I have started fresh.

Household Information[/b]
Number of adults in household........... 2
Number of children in household......... 2
Number of cars owned.................... 1

Monthly Income Details
Monthly income after tax................ 2000
Partners monthly income after tax....... 1500
Benefits................................ 126
Other income............................ 0
Total monthly income.................... 3626

Monthly Expense Details
Mortgage................................ 629
Secured/HP loan repayments.............. 0
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax............................. 124
Electricity............................. 45
Gas..................................... 45
Oil..................................... 0
Water rates............................. 20
Telephone (land line)................... 0
Mobile phone............................ 60
TV Licence.............................. 11
Satellite/Cable TV...................... 75
Internet Services....................... 0
Groceries etc. ......................... 400
Clothing................................ 0
Petrol/diesel........................... 80
Road tax................................ 10
Car Insurance........................... 44
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 150
Other child related expenses............ 220
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 0
Buildings insurance..................... 20
Contents insurance...................... 20
Life assurance ......................... 30
Other insurance......................... 0
Presents (birthday, christmas etc)...... 40
Haircuts................................ 0
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 2023


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


Secured & HP Debts
Description....................Debt......Monthly...APR
Mortgage...................... 114578...(629)......0
Total secured & HP debts...... 114578....-.........-

Unsecured Debts
Description....................Debt......Monthly...APR
Total unsecured debts..........0.........0.........-


Monthly Budget Summary
Total monthly income.................... 3,626
Expenses (including HP & secured debts). 2,023
Available for debt repayments........... 1,603
Monthly UNsecured debt repayments....... 0
Amount left after debt repayments....... 1,603

Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -114,578
Total Unsecured debt.................... -0
Net Assets.............................. -114,578