Table for One

Princesssparkle

Also, just realised I had some posts from previously. I’m sorry I didn’t reply.

I should add my driving license has been revoked due to my illness as they want me to be 12 months free from my last “episode”.

Food budget is doing better. TBH when I did my SOA I wasn’t 100% sure what I spent as my sponging ex boyfriend made me pay a hell of a lot more than my fair share. So far for dec and jan I’ve spent just under £90 a month and I have a few weeks worth of food left.

You’re right with clothes, I don’t tend to buy any and when I do need something I buy from charity shops. But I calculated what I had spent the previous year and/12.

Princesssparkle

New SOA

Statement of Affairs and Personal Balance Sheet

Household Information
Number of adults in household........... 1
Number of children in household......... 0
Number of cars owned.................... 1

Monthly Income Details
Monthly income after tax................ 842.33
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 842.33

Monthly Expense Details
Mortgage................................ 337.2
Secured/HP loan repayments.............. 0
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax............................. 92
Electricity............................. 43
Gas..................................... 43
Oil..................................... 0
Water rates............................. 11
Telephone (land line)................... 0
Mobile phone............................ 10
TV Licence.............................. 12
Satellite/Cable TV...................... 7.99
Internet Services....................... 32
Groceries etc. ......................... 90
Clothing................................ 0
Petrol/diesel........................... 0
Road tax................................ 0
Car Insurance........................... 35
Car maintenance (including MOT)......... 10
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 8.8
Pet insurance/vet bills................. 14.16
Buildings insurance..................... 5
Contents insurance...................... 5
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 0
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 0
Horse................................... 160
Total monthly expenses.................. 916.15


Assets
Cash.................................... 3
House value (Gross)..................... 115000
Shares and bonds........................ 0
Car(s).................................. 500
Other assets............................ 0
Total Assets............................ 115503


Secured & HP Debts
Description....................Debt......Monthly...APR
Mortgage...................... 81876....(337.2)....2.4
Total secured & HP debts...... 81876.....-.........-

Unsecured Debts
Description....................Debt......Monthly...APR
Virgin cc......................3330......35........0
Barclaycard ...................850.......25........0
Boiler ........................2709.2....64.5......0
Bank of mum....................7982.86...0.........0
Total unsecured debts..........14872.06..124.5.....-


Monthly Budget Summary
Total monthly income.................... 842.33
Expenses (including HP & secured debts). 916.15
Available for debt repayments........... -73.82
Monthly UNsecured debt repayments....... 124.5
Amount short for making debt repayments. -198.32

Personal Balance Sheet Summary
Total assets (things you own)........... 115,503
Total HP & Secured debt................. -81,876
Total Unsecured debt.................... -14,872.06
Net Assets.............................. 18,754.94