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Help with SOA

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  • [Deleted User]
    [Deleted User] Posts: 0 Newbie
    Eighth Anniversary 10,000 Posts Debt-free and Proud!
    EssexHebridean wrote: »
    Bob the OP already has an emergency fund in place, and they have also said that they are already throwing extra from their surplus at the debts.

    Then that needs to be shown in the SOA.

    ATM, it is showing a £630 pm surplus, and a 57 month settlement date on the first loan.
  • [Deleted User]
    [Deleted User] Posts: 0 Newbie
    Eighth Anniversary 10,000 Posts Debt-free and Proud!
    oggie1978 wrote: »
    Present spend is based on this year's spend for my 2, 4 young family members, 7 adults plus preschool/school children.

    Then I suggest you cut back on presents, for non-household people.

    Assign say £10 per non-household person.

    Ideally, agree not to exchange any gifts, with the adults.
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