Literally no money...

DCFC79

PoorGuyNextDoor wrote: »

Sky seems to think they have us tied into a contract....i dont remember agreeing to one? Been here 3 years its never changed.

Have you changed any of the services eg upped the broadband or added say a sports package. Id look into this more.

PoorGuyNextDoor wrote: »

Also im looking into checking if im owed any PPI. A google search took up a template on here so il get that printed off tonight.

Nice, for the cost of a stamp its worth it.

Upsidedown_Bear

Hello and welcome to MSE :hello:

Link for the Statement of Affairs is here:
http://www.stoozing.com/calculator/soa.php

PoorGuyNextDoor

Have always had the same phone, tv and broadband package with them! We are netflix fans now so the sky can go just going to keep the sky sports as it keeps me in on a weekend!

Yeah not too confident il get anything also heard it can take upto 2 months!

Thanks for that link im on it right now filling it out.

PoorGuyNextDoor

Ok here goes....for bills/house worth etc iv halved it all as gf pays 50% of everything!!

Statement of Affairs and Personal Balance Sheet

Household Information
Number of adults in household........... 2
Number of children in household......... 0
Number of cars owned.................... 2

Monthly Income Details
Monthly income after tax................ 3800
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 3800

Monthly Expense Details
Mortgage................................ 320
Secured/HP loan repayments.............. 1440
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax............................. 60
Electricity............................. 17.5
Gas..................................... 20
Oil..................................... 0
Water rates............................. 0
Telephone (land line)................... 0
Mobile phone............................ 40
TV Licence.............................. 11
Satellite/Cable TV...................... 30
Internet Services....................... 10
Groceries etc. ......................... 120
Clothing................................ 30
Petrol/diesel........................... 100
Road tax................................ 10
Car Insurance........................... 30
Car maintenance (including MOT)......... 20
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 0
Buildings insurance..................... 10
Contents insurance...................... 5
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 20
Haircuts................................ 0
Entertainment........................... 100
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 2393.5


Assets
Cash.................................... 0
House value (Gross)..................... 65000
Shares and bonds........................ 0
Car(s).................................. 8000
Other assets............................ 5000
Total Assets............................ 78000


Secured & HP Debts
Description....................Debt......Monthly...APR
Mortgage...................... 40000....(320)......4
Secured Debt.................. 48000....(1440).....10
Total secured & HP debts...... 88000.....-.........-

Unsecured Debts
Description....................Debt......Monthly...APR
Credit card....................2700......50........0
Total unsecured debts..........2700......50........-


Monthly Budget Summary
Total monthly income.................... 3,800
Expenses (including HP & secured debts). 2,393.5
Available for debt repayments........... 1,406.5
Monthly UNsecured debt repayments....... 50
Amount left after debt repayments....... 1,356.5

Personal Balance Sheet Summary
Total assets (things you own)........... 78,000
Total HP & Secured debt................. -88,000
Total Unsecured debt.................... -2,700
Net Assets.............................. -12,700

Reproduced on Moneysavingexpert with permission, using Firefox browser.[/i]

PoorGuyNextDoor

Going by that with 3 months of a £100 pm entertainment budget i should be able to get my bank balance upto £4,300 or £1,600 with credit card paid off.

PoorGuyNextDoor

The income is a monthly average. Jan,Feb,Nov, Dec are really bad months where as the summer is alot better so can be well over £4,000 with overtime.Sounds alot but its getting eaten up with £1,440 a month loan payments

[Deleted User]

PoorGuyNextDoor wrote: »

they said it will cost £6 a day so I'm expecting Mondays bills+£30 to come out on Friday.

My advice is, try to arrange an authorised overdraft, ASAP.

Do you really need 2 cars?

patman99

Sky have an entire department geared-up to preventing people from leaving. In fact, I've heard they get a £50 bonus for every customer they 'bully' into staying.

Try writing to them giving them 30 days notice of cancellation and see where that gets you.

If you want Sky sports, then there are legal ways to watch it for free. You just need to invest in the time rewuired to follow some online instructions and you are good to go.

enthusiasticsaver

Is that an accurate soa - as in do you really keep to that budget or is that what you are aiming for? How did the loan get to the amount it has? You need to see what you are wasting money on to be living so far beyond your means on what is a very good income. If the interest rates are correct you should be focusing on overpaying the loan rather than building your bank balance or the credit card as that is your most expensive debt. Maybe £1k overpayment per month on the loan and the remaining £300+ to an emergency fund to be used to pay off credit card when 0% deal finishes.

PoorGuyNextDoor

patman99 wrote: »

Sky have an entire department geared-up to preventing people from leaving. In fact, I've heard they get a £50 bonus for every customer they 'bully' into staying.

Try writing to them giving them 30 days notice of cancellation and see where that gets you.

If you want Sky sports, then there are legal ways to watch it for free. You just need to invest in the time rewuired to follow some online instructions and you are good to go.

Will get the mrs to write up a letter while i look into how to get sky sports without the hefty bills that are thrown in....hear alot of praise for a firestick but still a bit curious as to what its all about. Sky just keep raising their prices aswel. Netflix is where its at.

I put two cars but one belongs to gf so she pays for it.