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Back in debt and on DMP after battling addiction 😢

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  • TheAble
    TheAble Posts: 1,676 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    leighavfc said:
    TheAble said:
    One thing I would say is that you sure treat your rent as a priority expense. With children especially you shouldn't risk the roof over your head. Your LL may be understanding but he'll privately be concerned about the missed payment.
    Totally agree... this is the thing I'm most upset and annoyed about that I have potentially jeopardised the roof over all of our heads for my addiction  problems. I knew this was coming if I didn't stop... selfishly I kept going and going until I ended up in this situation.
    I'd let him have your partner's half at least - it wasn't clear if you were planning to do that. It will take the edge off if he can get half up front.
  • leighavfc
    leighavfc Posts: 266 Forumite
    Ninth Anniversary 100 Posts Name Dropper Combo Breaker
    TheAble said:
    leighavfc said:
    TheAble said:
    One thing I would say is that you sure treat your rent as a priority expense. With children especially you shouldn't risk the roof over your head. Your LL may be understanding but he'll privately be concerned about the missed payment.
    Totally agree... this is the thing I'm most upset and annoyed about that I have potentially jeopardised the roof over all of our heads for my addiction  problems. I knew this was coming if I didn't stop... selfishly I kept going and going until I ended up in this situation.
    I'd let him have your partner's half at least - it wasn't clear if you were planning to do that. It will take the edge off if he can get half up front.
    Yes I should have been clearer, and yes will be paying him her half and the arranging too pay my half ASAP
    DEBT FREE AS OF 28/6/17 :j:beer:
  • kimwp
    kimwp Posts: 3,006 Forumite
    Fifth Anniversary 1,000 Posts Photogenic Name Dropper
    Does your partner earn anything? The outgoings seem the full amount, but you talk about your partner's half of the rent. Also, are you not eligible for child benefit?
    Statement of Affairs (SOA) link: https://www.lemonfool.co.uk/financecalculators/soa.php

    For free, non-judgemental debt advice, try: Stepchange or National Debtline. Beware fee charging companies with similar names.
  • leighavfc
    leighavfc Posts: 266 Forumite
    Ninth Anniversary 100 Posts Name Dropper Combo Breaker
    kimwp said:
    Does your partner earn anything? The outgoings seem the full amount, but you talk about your partner's half of the rent. Also, are you not eligible for child benefit?
    Yes she does, but only a small amount enough to cover her half of rent and the smaller bills like water and a few other things. She will be changing jobs over the coming months but is waiting for the go ahead, when this happens she will be earning double what she is now.

    We do get benefits like tax credits etc  but that helps my partner pay her bits and give her a small amount of money for herself.

    All these debts and problems are caused by me solely and are my own personal debts. She will help where she can but in all honesty it will barely move the dial so too speak. Its me who has too sort this out ultimately.
    DEBT FREE AS OF 28/6/17 :j:beer:
  • kimwp
    kimwp Posts: 3,006 Forumite
    Fifth Anniversary 1,000 Posts Photogenic Name Dropper
    leighavfc said:
    kimwp said:
    Does your partner earn anything? The outgoings seem the full amount, but you talk about your partner's half of the rent. Also, are you not eligible for child benefit?
    Yes she does, but only a small amount enough to cover her half of rent and the smaller bills like water and a few other things. She will be changing jobs over the coming months but is waiting for the go ahead, when this happens she will be earning double what she is now.

    We do get benefits like tax credits etc  but that helps my partner pay her bits and give her a small amount of money for herself.

    All these debts and problems are caused by me solely and are my own personal debts. She will help where she can but in all honesty it will barely move the dial so too speak. Its me who has too sort this out ultimately.
    Ok. I appreciate that you want to take responsibility for this, but this attitude might jeopardise the roof over your head. I think you should consider the joint income and prioritise it towards the essential bills.

    It's quite hard to read your SOA in its current format (did you select format for mse?), But there look to be things you could cut back on - you have an expensive phone contract if that's for less than three phones and satellite TV isn't an essential. Looking for areas to cut back will get you back on top more quickly.
    Statement of Affairs (SOA) link: https://www.lemonfool.co.uk/financecalculators/soa.php

    For free, non-judgemental debt advice, try: Stepchange or National Debtline. Beware fee charging companies with similar names.
  • leighavfc
    leighavfc Posts: 266 Forumite
    Ninth Anniversary 100 Posts Name Dropper Combo Breaker
    kimwp said:
    leighavfc said:
    kimwp said:
    Does your partner earn anything? The outgoings seem the full amount, but you talk about your partner's half of the rent. Also, are you not eligible for child benefit?
    Yes she does, but only a small amount enough to cover her half of rent and the smaller bills like water and a few other things. She will be changing jobs over the coming months but is waiting for the go ahead, when this happens she will be earning double what she is now.

    We do get benefits like tax credits etc  but that helps my partner pay her bits and give her a small amount of money for herself.

    All these debts and problems are caused by me solely and are my own personal debts. She will help where she can but in all honesty it will barely move the dial so too speak. Its me who has too sort this out ultimately.
    Ok. I appreciate that you want to take responsibility for this, but this attitude might jeopardise the roof over your head. I think you should consider the joint income and prioritise it towards the essential bills.

    It's quite hard to read your SOA in its current format (did you select format for mse?), But there look to be things you could cut back on - you have an expensive phone contract if that's for less than three phones and satellite TV isn't an essential. Looking for areas to cut back will get you back on top more quickly.
    I hear what your saying and your right in all fairness. Will have a chat with my partner about this tomorrow, in all honesty it won't change a lot in terms of what we have too pay back etc. Will look at this though and see what can be done.

    Mobile phone contract I have defaulted on and haven't paid for around 3 months now... its just been passed too a debt collector too which I've just remembered! I'm in such a mess here 🙈 I don't need the phone as I have a work phone and god knows why I ever bothered taking out this other contract ad its barely been used. I basically used it too get a new model phone when things were good.... yes I am an idiot! 

    The TV package is grouped in with my broadband from Virgin Media. For some reason you get a better price when you have the TV package rather than just the broadband on its own. I think I'm only around half way through my contract, so not sure if it's going too be costly getting out of it vs just sticking with it for now whilst I try and sort myself out?

    Yes I did press for MSE when I did the SOA. I am doing all this by phone so may be coming out not how it should be.
    DEBT FREE AS OF 28/6/17 :j:beer:
  • leighavfc
    leighavfc Posts: 266 Forumite
    Ninth Anniversary 100 Posts Name Dropper Combo Breaker
    Try this for the SOA:

    [font=courier new][b]Statement of Affairs and Personal Balance Sheet[/b][b]

    Household Information[/b]
    Number of adults in household........... 2
    Number of children in household......... 2
    Number of cars owned.................... 2[b]

    Monthly Income Details[/b]
    Monthly income after tax................ 2367
    Partners monthly income after tax....... 0
    Benefits................................ 0
    Other income............................ 0[b]
    Total monthly income.................... 2367[/b][b]

    Monthly Expense Details[/b]
    Mortgage................................ 0
    Secured/HP loan repayments.............. 400.4
    Rent.................................... 397.5
    Management charge (leasehold property).. 0
    Council tax............................. 172.81
    Electricity............................. 78
    Gas..................................... 78
    Oil..................................... 0
    Water rates............................. 0
    Telephone (land line)................... 0
    Mobile phone............................ 63
    TV Licence.............................. 13.25
    Satellite/Cable TV...................... 46
    Internet Services....................... 0
    Groceries etc. ......................... 400
    Clothing................................ 0
    Petrol/diesel........................... 100
    Road tax................................ 14.43
    Car Insurance........................... 47.37
    Car maintenance (including MOT)......... 0
    Car parking............................. 0
    Other travel............................ 0
    Childcare/nursery....................... 300
    Other child related expenses............ 0
    Medical (prescriptions, dentist etc).... 0
    Pet insurance/vet bills................. 0
    Buildings insurance..................... 9.58
    Contents insurance...................... 0
    Life assurance ......................... 0
    Other insurance......................... 0
    Presents (birthday, christmas etc)...... 0
    Haircuts................................ 30
    Entertainment........................... 0
    Holiday................................. 0
    Emergency fund.......................... 0[b]
    Total monthly expenses.................. 2150.34[/b]
    [b]

    Assets[/b]
    Cash.................................... 0
    House value (Gross)..................... 0
    Shares and bonds........................ 0
    Car(s).................................. 12135
    Other assets............................ 0[b]
    Total Assets............................ 12135[/b]
    [b]

    Secured & HP Debts[/b]
    Description....................Debt......Monthly...APR
    Mortgage...................... 0........(0)........0
    Hire Purchase (HP) debt ...... 19220....(400.4)....18.8[b]
    Total secured & HP debts...... 19220.....-.........-   [/b]

    [b]Unsecured Debts[/b]
    Description....................Debt......Monthly...APR
    Capital one CC.................498.33....98.33.....0
    Capital one CC.................203.36....10.4......0
    Zopa CC........................626.96....73.23.....37.4[b]
    Total unsecured debts..........1328.65...181.96....-  [/b]

    [b]
    Monthly Budget Summary[/b]
    Total monthly income.................... 2,367
    Expenses (including HP & secured debts). 2,150.34
    Available for debt repayments........... 216.66
    Monthly UNsecured debt repayments....... 181.96[b]
    Amount left after debt repayments....... 34.7[/b]

    [b]Personal Balance Sheet Summary[/b]
    Total assets (things you own)........... 12,135
    Total HP & Secured debt................. -19,220
    Total Unsecured debt.................... -1,328.65[b]
    Net Assets.............................. -8,413.65[/b]

    [i]Created using the SOA calculator at www.LemonFool.co.uk.
    Reproduced on Moneysavingexpert with permission, using other browser.[/i][/font]

    DEBT FREE AS OF 28/6/17 :j:beer:
  • kimwp
    kimwp Posts: 3,006 Forumite
    Fifth Anniversary 1,000 Posts Photogenic Name Dropper
    leighavfc said:
    Try this for the SOA:

    [font=courier new][b]Statement of Affairs and Personal Balance Sheet[/b][b]

    Household Information[/b]
    Number of adults in household........... 2
    Number of children in household......... 2
    Number of cars owned.................... 2[b]

    Monthly Income Details[/b]
    Monthly income after tax................ 2367
    Partners monthly income after tax....... 0
    Benefits................................ 0
    Other income............................ 0[b]
    Total monthly income.................... 2367[/b][b]

    Monthly Expense Details[/b]
    Mortgage................................ 0
    Secured/HP loan repayments.............. 400.4
    Rent.................................... 397.5
    Management charge (leasehold property).. 0
    Council tax............................. 172.81
    Electricity............................. 78
    Gas..................................... 78
    Oil..................................... 0
    Water rates............................. 0
    Telephone (land line)................... 0
    Mobile phone............................ 63
    TV Licence.............................. 13.25
    Satellite/Cable TV...................... 46
    Internet Services....................... 0
    Groceries etc. ......................... 400
    Clothing................................ 0
    Petrol/diesel........................... 100
    Road tax................................ 14.43
    Car Insurance........................... 47.37
    Car maintenance (including MOT)......... 0
    Car parking............................. 0
    Other travel............................ 0
    Childcare/nursery....................... 300
    Other child related expenses............ 0
    Medical (prescriptions, dentist etc).... 0
    Pet insurance/vet bills................. 0
    Buildings insurance..................... 9.58
    Contents insurance...................... 0
    Life assurance ......................... 0
    Other insurance......................... 0
    Presents (birthday, christmas etc)...... 0
    Haircuts................................ 30
    Entertainment........................... 0
    Holiday................................. 0
    Emergency fund.......................... 0[b]
    Total monthly expenses.................. 2150.34[/b]
    [b]

    Assets[/b]
    Cash.................................... 0
    House value (Gross)..................... 0
    Shares and bonds........................ 0
    Car(s).................................. 12135
    Other assets............................ 0[b]
    Total Assets............................ 12135[/b]
    [b]

    Secured & HP Debts[/b]
    Description....................Debt......Monthly...APR
    Mortgage...................... 0........(0)........0
    Hire Purchase (HP) debt ...... 19220....(400.4)....18.8[b]
    Total secured & HP debts...... 19220.....-.........-   [/b]

    [b]Unsecured Debts[/b]
    Description....................Debt......Monthly...APR
    Capital one CC.................498.33....98.33.....0
    Capital one CC.................203.36....10.4......0
    Zopa CC........................626.96....73.23.....37.4[b]
    Total unsecured debts..........1328.65...181.96....-  [/b]

    [b]
    Monthly Budget Summary[/b]
    Total monthly income.................... 2,367
    Expenses (including HP & secured debts). 2,150.34
    Available for debt repayments........... 216.66
    Monthly UNsecured debt repayments....... 181.96[b]
    Amount left after debt repayments....... 34.7[/b]

    [b]Personal Balance Sheet Summary[/b]
    Total assets (things you own)........... 12,135
    Total HP & Secured debt................. -19,220
    Total Unsecured debt.................... -1,328.65[b]
    Net Assets.............................. -8,413.65[/b]

    [i]Created using the SOA calculator at www.LemonFool.co.uk.
    Reproduced on Moneysavingexpert with permission, using other browser.[/i][/font]

    That's loads easier to read, thank you for sorting that.

    Some things seem to have disappeared (maybe debts in your dmp?) and you've not added the amount you owe to friends that you said you'd missed off. I think it's worth adding these even if there's no outgoings currently related to them.

    In terms of your broadband/TV contract, I think it's best to wait until it's out of contract before trying to find a better deal. Do you shop around and use price comparison websites for this, car insurance etc? If not, there are good guides on the main mse website.

    When you talk through things with your partner, even if you don't decide to change how you are approaching it, you should make sure you have adequate allocations in each of the areas eg is it realistic that you have no medical costs and spend nothing on entertainment (or are these adequately covered by your partner's income).

    NB £30 a month for haircuts is quite a lot for one person, but more reasonable for four people. As you've split the SOA between you, it's hard to know which situation it is, so if you decide to carry on with your current approach, perhaps if you re-do your SOA, add a note by each area that your partner covers noting that this is the case and what that amount is to get the most useful advice from the forum.
    Statement of Affairs (SOA) link: https://www.lemonfool.co.uk/financecalculators/soa.php

    For free, non-judgemental debt advice, try: Stepchange or National Debtline. Beware fee charging companies with similar names.
  • leighavfc
    leighavfc Posts: 266 Forumite
    Ninth Anniversary 100 Posts Name Dropper Combo Breaker
    kimwp said:
    leighavfc said:
    Try this for the SOA:

    [font=courier new][b]Statement of Affairs and Personal Balance Sheet[/b][b]

    Household Information[/b]
    Number of adults in household........... 2
    Number of children in household......... 2
    Number of cars owned.................... 2[b]

    Monthly Income Details[/b]
    Monthly income after tax................ 2367
    Partners monthly income after tax....... 0
    Benefits................................ 0
    Other income............................ 0[b]
    Total monthly income.................... 2367[/b][b]

    Monthly Expense Details[/b]
    Mortgage................................ 0
    Secured/HP loan repayments.............. 400.4
    Rent.................................... 397.5
    Management charge (leasehold property).. 0
    Council tax............................. 172.81
    Electricity............................. 78
    Gas..................................... 78
    Oil..................................... 0
    Water rates............................. 0
    Telephone (land line)................... 0
    Mobile phone............................ 63
    TV Licence.............................. 13.25
    Satellite/Cable TV...................... 46
    Internet Services....................... 0
    Groceries etc. ......................... 400
    Clothing................................ 0
    Petrol/diesel........................... 100
    Road tax................................ 14.43
    Car Insurance........................... 47.37
    Car maintenance (including MOT)......... 0
    Car parking............................. 0
    Other travel............................ 0
    Childcare/nursery....................... 300
    Other child related expenses............ 0
    Medical (prescriptions, dentist etc).... 0
    Pet insurance/vet bills................. 0
    Buildings insurance..................... 9.58
    Contents insurance...................... 0
    Life assurance ......................... 0
    Other insurance......................... 0
    Presents (birthday, christmas etc)...... 0
    Haircuts................................ 30
    Entertainment........................... 0
    Holiday................................. 0
    Emergency fund.......................... 0[b]
    Total monthly expenses.................. 2150.34[/b]
    [b]

    Assets[/b]
    Cash.................................... 0
    House value (Gross)..................... 0
    Shares and bonds........................ 0
    Car(s).................................. 12135
    Other assets............................ 0[b]
    Total Assets............................ 12135[/b]
    [b]

    Secured & HP Debts[/b]
    Description....................Debt......Monthly...APR
    Mortgage...................... 0........(0)........0
    Hire Purchase (HP) debt ...... 19220....(400.4)....18.8[b]
    Total secured & HP debts...... 19220.....-.........-   [/b]

    [b]Unsecured Debts[/b]
    Description....................Debt......Monthly...APR
    Capital one CC.................498.33....98.33.....0
    Capital one CC.................203.36....10.4......0
    Zopa CC........................626.96....73.23.....37.4[b]
    Total unsecured debts..........1328.65...181.96....-  [/b]

    [b]
    Monthly Budget Summary[/b]
    Total monthly income.................... 2,367
    Expenses (including HP & secured debts). 2,150.34
    Available for debt repayments........... 216.66
    Monthly UNsecured debt repayments....... 181.96[b]
    Amount left after debt repayments....... 34.7[/b]

    [b]Personal Balance Sheet Summary[/b]
    Total assets (things you own)........... 12,135
    Total HP & Secured debt................. -19,220
    Total Unsecured debt.................... -1,328.65[b]
    Net Assets.............................. -8,413.65[/b]

    [i]Created using the SOA calculator at www.LemonFool.co.uk.
    Reproduced on Moneysavingexpert with permission, using other browser.[/i][/font]

    That's loads easier to read, thank you for sorting that.

    Some things seem to have disappeared (maybe debts in your dmp?) and you've not added the amount you owe to friends that you said you'd missed off. I think it's worth adding these even if there's no outgoings currently related to them.

    In terms of your broadband/TV contract, I think it's best to wait until it's out of contract before trying to find a better deal. Do you shop around and use price comparison websites for this, car insurance etc? If not, there are good guides on the main mse website.

    When you talk through things with your partner, even if you don't decide to change how you are approaching it, you should make sure you have adequate allocations in each of the areas eg is it realistic that you have no medical costs and spend nothing on entertainment (or are these adequately covered by your partner's income).

    NB £30 a month for haircuts is quite a lot for one person, but more reasonable for four people. As you've split the SOA between you, it's hard to know which situation it is, so if you decide to carry on with your current approach, perhaps if you re-do your SOA, add a note by each area that your partner covers noting that this is the case and what that amount is to get the most useful advice from the forum.
    Yeah it seems too have missed some things off now 😕 il have too do again when I get 5 and repost! 

    Yeah I think il wait until contract is up and then find a better deal. Yes always use comparison sites and do my homework before signing up etc. Remarkable really how much wffort i put into stuff like this considering how bad I am with money! 

    30 for haircuts per month is for me and the kids, i go too the cheapest place i can find too. My partner does her hers every few months or so and pays for that herself.

    I think I will redo SOA properly and fully as you have suggested with notes of anything partner pays etc. Then it gives a full and proper picture without all the confusion for you good people reading it and trying too get your head round it :) 

    Thanks for everything so far anyway, and il be back sometime tomorrow too too add the redone SOA 
    DEBT FREE AS OF 28/6/17 :j:beer:
  • EssexHebridean
    EssexHebridean Posts: 24,424 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    leighavfc said:
    Try this for the SOA:

    [font=courier new][b]Statement of Affairs and Personal Balance Sheet[/b][b]

    Household Information[/b]
    Number of adults in household........... 2
    Number of children in household......... 2
    Number of cars owned.................... 2 Are two cars absolutely necessary? Could you drop to one if the finance agreements allow it? [b]

    Monthly Income Details[/b]
    Monthly income after tax................ 2367
    Partners monthly income after tax....... 0
    Benefits................................ 0
    Other income............................ 0[b]
    Total monthly income.................... 2367[/b][b]

    Monthly Expense Details[/b]
    Mortgage................................ 0
    Secured/HP loan repayments.............. 400.4 This is the cars I assume? 
    Rent.................................... 397.5
    Management charge (leasehold property).. 0
    Council tax............................. 172.81 Is this over 10 months or 12? If 10, then asking the council to rework it over 12 just might give you some breathing space on paying until the end of the month while they sort the DD out. You could also check what dates they offer for DD payments on this - a lot offer several points in the month. 
    Electricity............................. 78
    Gas..................................... 78
    Oil..................................... 0
    Water rates............................. 0 This is paid by your partner, yes? 
    Telephone (land line)................... 0 
    Mobile phone............................ 63 Already notd as pricey - diarise the end of the contract and call a month before to beat the down to a £10-ish sim only deal.
    TV Licence.............................. 13.25
    Satellite/Cable TV...................... 46 This is internet/TV packaged? 
    Internet Services....................... 0
    Groceries etc. ......................... 400 You can almost certainly work on this a bit - particularly if the children are little. 
    Clothing................................ 0
    Petrol/diesel........................... 100
    Road tax................................ 14.43 If you can free up surplus to enable paying this upfront then it will save you some money on the fee charged for monthly DD. 
    Car Insurance........................... 47.37
    Car maintenance (including MOT)......... 0 Is this included in the contractual payments? Otherwise it needs budgeting for. 
    Car parking............................. 0
    Other travel............................ 0
    Childcare/nursery....................... 300 Any chance of either of you adjusting hours to mean this can be reduced at all? 
    Other child related expenses............ 0
    Medical (prescriptions, dentist etc).... 0
    Pet insurance/vet bills................. 0
    Buildings insurance..................... 9.58 Hopefully this is actually contents insurance in the wrong place allowing that you are renting? 
    Contents insurance...................... 0
    Life assurance ......................... 0
    Other insurance......................... 0
    Presents (birthday, christmas etc)...... 0 This is an area that needs budgeting for. 
    Haircuts................................ 30
    Entertainment........................... 0 Again, you need to budget something here for the small things even - ice creams during a trip to the park, hot chocolates all round in the middle of a winter walk. Try to make the basic entertainment itself free or very cheap, but budget a small amount to allow for a little treat to be added on. 
    Holiday................................. 0
    Emergency fund.......................... 0 In the longer term you need to budget for something here, but right now priorities are the rent and CT. [b]
    Total monthly expenses.................. 2150.34[/b]
    [b]

    Assets[/b]
    Cash.................................... 0
    House value (Gross)..................... 0
    Shares and bonds........................ 0
    Car(s).................................. 12135
    Other assets............................ 0[b]
    Total Assets............................ 12135[/b]
    [b]

    Secured & HP Debts[/b]
    Description....................Debt......Monthly...APR
    Mortgage...................... 0........(0)........0
    Hire Purchase (HP) debt ...... 19220....(400.4)....18.8[b]
    Total secured & HP debts...... 19220.....-.........-   [/b]

    [b]Unsecured Debts[/b]
    Description....................Debt......Monthly...APR
    Capital one CC.................498.33....98.33.....0
    Capital one CC.................203.36....10.4......0
    Zopa CC........................626.96....73.23.....37.4[b]
    Total unsecured debts..........1328.65...181.96....-  [/b]

    [b]
    Monthly Budget Summary[/b]
    Total monthly income.................... 2,367
    Expenses (including HP & secured debts). 2,150.34
    Available for debt repayments........... 216.66
    Monthly UNsecured debt repayments....... 181.96[b]
    Amount left after debt repayments....... 34.7[/b]

    [b]Personal Balance Sheet Summary[/b]
    Total assets (things you own)........... 12,135
    Total HP & Secured debt................. -19,220
    Total Unsecured debt.................... -1,328.65[b]
    Net Assets.............................. -8,413.65[/b]

    [i]Created using the SOA calculator at www.LemonFool.co.uk.
    Reproduced on Moneysavingexpert with permission, using other browser.[/i][/font]

    I'll pick up on this as it is for now - you've got great momentum going at the moment so let's strike while the iron is hot and see what savings there might be to be made. 

    I do absolutely get your concerns about needing to deal with the debt yourself, however, there is an exception to that and it is when the very roof over your head is threatened as other have said - this also includes the Council tax by the way - as that should also be considered an absolute priority to pay. I know you're going to hate to ask, but does your partner have any savings that might be able to be used to pay the rest of the rent and the CT? 

    Comments in bold above. I'll be honest - even without the DMP debts included, it looks to me like your DMP might need a reworking as things do appear to be tight. I think you need to keep it paused while you sort out your current issues, then probably ask for a recalculation of affordability alongside including the newer debts in the DMP, but I'll let those with more knowledge in that area confirm that would work! 
    🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
    Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
    Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
    £100k barrier broken 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
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