Help

sweetmoneysaver

Something like the list below but honestly an abridged version is ok. It may be a good exercise for you to go through the whole list anyway so that you can see where your money goes. Martin has a calculator on the site but this site is also good www.makesenseofcards.com

Monthly Income Details
Monthly income after tax................
Partners monthly income after tax.......
Benefits................................
Other income............................

Monthly Expense Details
Mortgage................................
Secured loan repayments.................
Rent/Mortgage....................................
Council tax.............................
Electricity.............................
Gas.....................................
Oil.....................................
Water rates.............................
Telephone (land line)...................
Mobile phone............................
TV Licence..............................
Satellite/Cable TV......................
Internet Services.......................
Groceries etc. .........................
Clothing................................
Petrol/diesel...........................
Road tax................................
Car Insurance...........................
Car maintenance (including MOT).........
Car parking.............................
Other travel............................
Childcare/nursery.......................
Other child related expenses............
Medical (prescriptions, dentist etc)....
Pet insurance/vet bills.................
Buildings insurance.....................
Contents insurance......................
Life assurance .........................
Other insurance.........................
Presents (birthday, christmas etc)......
Haircuts................................
Entertainment...........................
Holiday.................................
Emergency fund..........................


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



Secured Debts
Description....................Debt......Monthly.. .APR
Mortgage......................
Secured Debt..................


Unsecured Debts
Description....................Debt......Monthly.. .APR
Credit Card...........
Overdraft...........


Monthly Budget Summary
Total monthly income....................
Expenses (including secure debts).......
Available for debt repayments...........
Monthly UNsecured debt repayments.......

Personal Balance Sheet Summary
Total assets (things you own)...........
Total Secured debt......................
Total Unsecured debt....................

sweetmoneysaver

I have to log off soon but hopefully someone else will come along tonight that can help. However, do start your list and post some of the major things and we can start to help.