New Journey

System

Household Information[/b]
Number of adults in household........... 1
Number of children in household......... 0
Number of cars owned.................... 1

Monthly Income Details
Monthly income after tax................ 1475.49
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 94.83
Total monthly income.................... 1570.32

Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 500
Management charge (leasehold property).. 0
Council tax............................. 73
Electricity............................. 25
Gas..................................... 25
Oil..................................... 0
Water rates............................. 27.83
Telephone (land line)................... 0
Mobile phone............................ 21.91
TV Licence.............................. 12.85
Satellite/Cable TV...................... 0
Internet Services....................... 19.99
Groceries etc. ......................... 120
Clothing................................ 20
Petrol/diesel........................... 80
Road tax................................ 0
Car Insurance........................... 38.5
Car maintenance (including MOT)......... 30
Car parking............................. 5
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 8.06
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 5
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 70
Haircuts................................ 20
Entertainment........................... 80
Holiday................................. 25
Emergency fund.......................... 44
Union................................... 2.5
Eng Heritage............................ 4.67
Nat trust............................... 5.75
Gym..................................... 41
Total monthly expenses.................. 1305.60b]


Assets
Cash.................................... 1000
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 2500
Other assets............................ 0
Total Assets............................ 3500

No Secured nor Hire Purchase Debts

Unsecured Debts
Description....................Debt......Monthly...APR
CC1............................3140......160.......0
Total unsecured debts..........3140......160.......-


Monthly Budget Summary
Total monthly income.................... 1,570.32
Expenses (including HP & secured debts). 1,297
Available for debt repayments........... 273.32
Monthly UNsecured debt repayments....... 160
Amount left after debt repayments....... 105.26

Personal Balance Sheet Summary
Total assets (things you own)........... 3,500
Total HP & Secured debt................. -0
Total Unsecured debt.................... -3,140
Net Assets.............................. 360

Created using the SOA calculator at https://www.stoozing.com.
Reproduced on Moneysavinge

System

My payslip has come online tonight , so I have done a new SOA , my salary is minus my union fee and pension . It calculates I have £113 extra which is about right.

The first months extra money is allocated for my new passport and driving licence.

beanielou

SOA looking good.
Just a couple of things?
No contents ins, no prescriptions?

System

Well spotted Beanie , I put it in the buildings ins by mistake , no need buildings ins landlord covers that. I don't have any medical needs that need me to have tablets , so prescriptions are ad hoc . I have forgotten my health cover though £8.06 a month.

System

Still at home today , I feel exhausted for some reason. I am going to get outside by walking to the post office . Calling at the pharmacy as well , I am going to work tomorrow whatever happens .

System

Have heard back from Bank of Scotland about PPI , I didn't have any so that is now case closed. I didn't think I did have it , but because of my rush to get the loan I would have signed anything .:rotfl:

I have ventured out to the post office which is a 3 minute walk away and posted the 2 cards , been to the chemist and bought Pepto Bismal which tastes disgusting. I am hoping this will suffice to get me to work tomorrow.

beanielou

Take care

Verbatim

Hi Cumbria,
If your union fee is taken directly from your salary have you double counted it under "union "? Or did you mean it's not taken at source. Apologies if I've misunderstood!
Hope work wasn't too gruelling and that you're feeling better today. Shame about the ppi.

System

Verbatim wrote: »

Hi Cumbria,
If your union fee is taken directly from your salary have you double counted it under "union "? Or did you mean it's not taken at source. Apologies if I've misunderstood!
Hope work wasn't too gruelling and that you're feeling better today. Shame about the ppi.

Thank you for your reply verbatim, the 2nd union is for my previous job as a pensioner. I pay it to keep up to date with goings on as my biggest pension is with this employer, I like to keep myself posted .

Seasidegal58

I hope you're feeling better this evening Cumbria. Don't rush into work though tomorrow if you're not up to scratch.

Your SOA looks good - isn't it lovely to have extra money each month!:j