Third time around - this time the last!

PiggyBankShaker

Statement of Affairs & Personal Balance Sheet

Household Information
Number of adults in household.................2
Number of children in household..............2
Number of cars owned..............................1

Income, Expense, Debt & Asset Details
Income.......................................................Amount(£)
Monthly income after tax...........................3289.6
Partners monthly income..........................0
Benefits.....................................................139
Total monthly income................................3428.6

Expenses..............................................Amount(£)
Mortgage ...................................................445.1
Council tax.................................................135
Electricity ...................................................30.5
Gas.............................................................30.5
Water Rates...............................................43.06
All mobiles and internet..............................69.54
TV Licence.................................................12.12
Groceries etc.............................................334.37
Clothing......................................................37
All car expenses.........................................202 This is £50 more than we estimated
Other child-related expenses.....................177
Medical......................................................12
Pet Insurance/Vet bills...............................58
All Insurance..............................................100
Presents......................................................20
Haircuts......................................................15
Entertainment.............................................179
Holiday.......................................................100
Emergency Fund........................................0
Pension......................................................311
Memberships..............................................3
Household..................................................35
Hobbies.......................................................38
Gym Membership........................................38
Food Out.....................................................146 This is an entirely new buget line. We didn't realise how much we were spending before.
Counselling..................................................40
Charity Donations........................................57
Total monthly expenses 2668.19

Secured & HP Debt Description....Debt(£)........Monthly(£)......APR(%)
Mortgage ......................................55118.63......(445.1)............0
Unsecured Debt
Description..........Debt(£).....Monthly(£).....APR(%)
Car loan...............3408..........431...............0
MBNA...................4456..........44................0
Sainsbury..............2575.........59................0
Nationwide............2378.........23................0
Unsecured Debt totals.........12817.........557 -


Asset Description...............Value (£)
Cash.....................................0
House Value (Gross)...........115000
Car(s)...................................7000
Total Assets.........................122000

Summary
Monthly Budget Summary........................Amount(£)
Total monthly income...............................3,428.6
Monthly expenses....................................2,668.19
Available for debt repayments..................760.41
UNsecured debt repayments....................557
Amount left after debt repayments...........200.41

Personal Balance Sheet Summary Amount(£)
Total Assets (things you own) 122,000
Total Secured Debt..................55118.63
Total Unsecured Debt........-12,817
Net Assets........................54,064.37

PiggyBankShaker

Renewed the house insurance for £133
ATS did a 0% balance transfer for 0% fee for his sole interest paying card.
I cleaned out the car and found £5.07!

In other news, we've found a house we'd love to buy! :rotfl: