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SOA inside..... My debt diary...
mbs1
Posts: 186 Forumite
Just an update of my SOA, since cutting back on a few bills
Statement of Affairs and Personal Balance Sheet
Monthly Income Details
Monthly income after tax................ 2200
Partners monthly income after tax....... 0
Benefits................................ 150
Other income............................ 0
Total monthly income.................... 2350
Monthly Expense Details
Mortgage................................ 0
Secured loan repayments................. 0
Rent.................................... 450
Management charge (leasehold flat)...... 0
Council tax............................. 99 Over 12 months
Electricity............................. 20 On a meter
Gas..................................... 50 On a meter
Oil..................................... 0
Water rates............................. 19
Telephone (land line)................... 12
Mobile phone............................ 60 2x Phone bills
TV Licence.............................. 11
Satellite/Cable TV...................... 18
Internet Services....................... 10
Groceries etc. ......................... 250
Clothing................................ 30
Petrol/diesel........................... 110
Road tax................................ 15
Car Insurance........................... 38
Car maintenance (including MOT)......... 12
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 8
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 40
Haircuts................................ 15
Entertainment........................... 30
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 1297
Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 1500
Other assets............................ 0
Total Assets............................ 1500
No Secured Debt
Unsecured Debts
Description....................Debt......Monthly...APR
A&L Loan.......................4880......171.......8.9
HSBC Credit Card...............2144......70........18.9
Mint Credit Card...............1238......25........0
Dad............................1750......0.........0
Total unsecured debts..........10012.....266.......-
Monthly Budget Summary
Total monthly income.................... 2,350
Expenses (including secure debts)....... 1,297
Available for debt repayments........... 1,053
Monthly UNsecured debt repayments....... 266
Surplus(deficit if negative)............ 787
Personal Balance Sheet Summary
Total assets (things you own)........... 1,500
Total Secured debt...................... -0
Total Unsecured debt.................... -10,012
Personal net worth...................... -8,512
Created using the SOA calculator at www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission.
Hoping to be DF by Xmas
Statement of Affairs and Personal Balance Sheet
Monthly Income Details
Monthly income after tax................ 2200
Partners monthly income after tax....... 0
Benefits................................ 150
Other income............................ 0
Total monthly income.................... 2350
Monthly Expense Details
Mortgage................................ 0
Secured loan repayments................. 0
Rent.................................... 450
Management charge (leasehold flat)...... 0
Council tax............................. 99 Over 12 months
Electricity............................. 20 On a meter
Gas..................................... 50 On a meter
Oil..................................... 0
Water rates............................. 19
Telephone (land line)................... 12
Mobile phone............................ 60 2x Phone bills
TV Licence.............................. 11
Satellite/Cable TV...................... 18
Internet Services....................... 10
Groceries etc. ......................... 250
Clothing................................ 30
Petrol/diesel........................... 110
Road tax................................ 15
Car Insurance........................... 38
Car maintenance (including MOT)......... 12
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 8
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 40
Haircuts................................ 15
Entertainment........................... 30
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 1297
Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 1500
Other assets............................ 0
Total Assets............................ 1500
No Secured Debt
Unsecured Debts
Description....................Debt......Monthly...APR
A&L Loan.......................4880......171.......8.9
HSBC Credit Card...............2144......70........18.9
Mint Credit Card...............1238......25........0
Dad............................1750......0.........0
Total unsecured debts..........10012.....266.......-
Monthly Budget Summary
Total monthly income.................... 2,350
Expenses (including secure debts)....... 1,297
Available for debt repayments........... 1,053
Monthly UNsecured debt repayments....... 266
Surplus(deficit if negative)............ 787
Personal Balance Sheet Summary
Total assets (things you own)........... 1,500
Total Secured debt...................... -0
Total Unsecured debt.................... -10,012
Personal net worth...................... -8,512
Created using the SOA calculator at www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission.
Hoping to be DF by Xmas
0
Comments
-
Got a letter from Alliance and leicester agreeing to cancel the PPI on my loan to bring the payments done by £20 p/w
It all helps0 -
Just also been on the phone to o2, getting £60 credited into my bank for overpaying my previous contract.
Bonus...0
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