When things hit rock bottom the only answer is to fight the way back up...

Sun_Addict

You deserve a rest after all that activity, don't feel guilty about it. Tomorrow is another day.

Hiddenidenity

New SOA only really works from October (First wage in from work, start date 4th September)

Statement of Affairs and Personal Balance Sheet

Household Information
Number of adults in household........... 1
Number of children in household......... 3
Number of cars owned....................

Monthly Income Details
Monthly income after tax................ 850
Partners monthly income after tax....... 0
Benefits................................ 810
Other income............................ 0
Total monthly income.................... 1660

Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 490
Management charge (leasehold property).. 0
Council tax............................. 81 Includes 25% discount
Electricity............................. 30
Gas..................................... 30
Oil..................................... 0
Water rates............................. 21
Telephone (land line)................... 0
Mobile phone............................ 5
TV Licence.............................. 22 This is paying 12 months over 6 as first license will be £12ish after 6 months
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 180 Could be less
Clothing................................ 0
Petrol/diesel........................... 0
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 10 Appointments this could be more some months depends which appointments and where.
Childcare/nursery....................... 60 2 x school dinners and youngest nursery snacks
Other child related expenses............ 30 School trips and events, there is something nearly every week!
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 0
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 0
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 959


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

No Secured nor Hire Purchase Debts

Unsecured Debts
Description....................Debt......Monthly...APR
Council Tax....................1770......50........0
Rent...........................3050......55........0
Fine 2.........................45........20........0
Aunt...........................1000......50........0
Stepdad........................1000......50........0
Mum............................340.......50........0
Friend.........................1360......90........0
Total unsecured debts..........8565......365.......-


Monthly Budget Summary
Total monthly income.................... 1,660
Expenses (including HP & secured debts). 959
Available for debt repayments........... 701
Monthly UNsecured debt repayments....... 365
Amount left after debt repayments....... 336

Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -0
Total Unsecured debt.................... -8,565
Net Assets.............................. -8,565

Created using the SOA calculator at https://www.stoozing.com.
Reproduced on Moneysavingexpert with permission, using other browser.

Looks a lot healthier.

Entertainment comes from grocery money currently, not that we spend much if anything.

Presents are from survey earnings, although I don't spend loads, token gifts for grandparents usually something made, Smalls have something they want, something they need, something to wear and something to read this basis is usually covered from surveys.

Gas/Elec estimated but I guess it will be around that.

charlies_tribe

Sending hugs HI.
We will all be here to support you but I really think you will do just fine, at least you will know exactly what's coming in when and where from x

emmie26

That looks a lot better and at least you will be in control, anxiety is so much worse when we are anxious about things we can't control, like somebody spending money and not going to work.
Sending positive vibes your way. You Can definitely do this!

Hiddenidenity

Thank you.

Sure it will all be good in the long run

Hiddenidenity

After sleeping all day I'm wide awake.

I've sorted some bits out in my bedroom and have cleaned out some bits I put off this morning.

Kids are all sleeping and have had a good day despite me not doing much, they had 'tea' (juice in a teapot) and cakes and watched some movies. Played with lego and the dolls house. Awful weather so they where happy with a day indoors.

Meal plan for this week will be all random using it up I think, DS has his sausage casserole, pulled pork and will want to make a pizza one day no doubt. There's plenty of mince based meals in and I still have things I could make if we wanted. There's more soup than we'll eat in 6 months I think so I might make the effort to eat more than toast and use up some soup DD will no doubt choose pasta and more pasta So will mix hers up a little.

Going to sort the things out to make the cards for the teachers along with making boxes for cupcakes too.

I need to book the appointment for Clarks for near the end of the holidays then my mum can take them

UncannyScot

We have all got your back missus
If you need anything at all, if we can help in anyway, we will...
you are not on your own with this
(((((HUGS)))))

Toni'sfriend

It's all looking good, Hidden. You're doing great and we're all here cheering you on.

charlies_tribe

Check that you are getting all the help you Need, I think with a little one under 5 you will get council tax and housing benefit and maybe income support too, at least to help until you start work. Also check what child support you 'should' get (although I'm guessing you may not see any).
Make sure you are looking after yourself, that includes proper meals, your little ones need you to be fit and well.

Hiddenidenity

Thank you.

Charlies apparently they said I will get some help to rent/ct hard to believe really I've not included it yet though because I don't know how it will be when they realise he can't be taken off the tenancy etc until the court order is paid.

There's obviously no big fine in that SOA either as that's his.

There's also no TV/BB. Something I'll look at getting I think, I didn't realise how much I actually record and watch later plus the kids use Netflix a lot so will use my phone internet in no time. Something I'll look into and think about hence not cancelling the TV license.