My SOA - Please Help

Lizzylou94

Below is my SOA.
I currently live on my own with 1 dog. I am 10 weeks pregnant. I have budgeted about £171 a month for baby items such as a pram, a cot, clothes ect This will give me £1190 for everything I might need as once I am maternity I will have a very low income. I am not sure if I will receive any help with the baby from any family.

I am also a guarantor on a loan of £10,000 which is in about £5k arrears.

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.................... 0

Monthly Income Details
Monthly income after tax................ 1768
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 1768

Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 525
Management charge (leasehold property).. 0
Council tax............................. 148
Electricity............................. 33
Gas..................................... 33
Oil..................................... 0
Water rates............................. 38
Telephone (land line)................... 0
Mobile phone............................ 50
TV Licence.............................. 13.26
Satellite/Cable TV...................... 0
Internet Services....................... 39.99
Groceries etc. ......................... 350
Clothing................................ 30
Petrol/diesel........................... 0
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 200
Childcare/nursery....................... 0
Other child related expenses............ 170
Medical (prescriptions, dentist etc).... 10
Pet insurance/vet bills................. 15
Buildings insurance..................... 0
Contents insurance...................... 4.88
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 10
Haircuts................................ 10
Entertainment........................... 60
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 1740.13


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
Halifax........................1300......
Sunny .........................485.......
FCA Personal...................3293......
Auxillis.......................601.......
Family & Friends...............9000.....
Barclays.......................680.....
Very...........................381.....
Total unsecured debts..........15740........-


Monthly Budget Summary
Total monthly income.................... 1,768
Expenses (including HP & secured debts). 1,740.13
Available for debt repayments........... 27.87
Monthly UNsecured debt repayments....... 0
Amount left after debt repayments....... 27.87

Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -0
Total Unsecured debt.................... -15,740
Net Assets.............................. -15,740

.

TheGardener

Emergency fund £20 and £10 f0r holiday. Any gifts from the family are not subject to the OR's approval - unless were talking hundreds of pounds as a regular income