ok

elantan

well i saw rjdc73 ( i hope thats right) soa and decided to have a wee go with mine as well ...lol it is quite funny

Statement of Affairs and Personal Balance Sheet

Monthly Income Details
Monthly income after tax................ 1165
Partners monthly income after tax....... 1775
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 2940

Monthly Expense Details
Mortgage................................ 614
Secured loan repayments................. 0
Rent.................................... 0
Management charge (leasehold flat)...... 0
Council tax............................. 225
Electricity............................. 65
Gas..................................... 55
Oil..................................... 0
Water rates............................. 0
Telephone (land line)................... 46
Mobile phone............................ 35
TV Licence.............................. 12
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 150
Clothing................................ 50
Petrol/diesel........................... 150
Road tax................................ 7
Car Insurance........................... 25
Car maintenance (including MOT)......... 75
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 10
Pet insurance/vet bills................. 0
Buildings insurance..................... 12
Contents insurance...................... 12
Life assurance ......................... 80
Other insurance......................... 0
Presents (birthday, christmas etc)...... 50
Haircuts................................ 10
Entertainment........................... 30
Holiday................................. 25
Emergency fund.......................... 50
Total monthly expenses.................. 1788

Assets
Cash.................................... 5000
House value (Gross)..................... 210000
Shares and bonds........................ 3000
Car(s).................................. 5000
Other assets............................ 26000
Total Assets............................ 249000

Secured Debts
Description....................Debt......Monthly...APR
Mortgage...................... 67000....(614)......4.69
Total secured debts........... 67000.....-.........-

Unsecured Debts
Description....................Debt......Monthly...APR
overdraft......................1000......175.......0
overdraft......................500.......50........7.9
Total unsecured debts..........1500......225.......-

Monthly Budget Summary
Total monthly income.................... 2,940
Expenses (including secure debts)....... 1,788
Available for debt repayments........... 1,152
Monthly UNsecured debt repayments....... 225
Surplus(deficit if negative)............ 927

Personal Balance Sheet Summary
Total assets (things you own)........... 249,000
Total Secured debt...................... -67,000
Total Unsecured debt.................... -1,500
Personal net worth...................... 180,500

Created using the SOA calculator at www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission.

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now i need to get back and fill this application form in ...but i want to try and tweak this first :rotfl: :rotfl: :rotfl: there is no way i have that amount left over at the end of the month .....if only eh

floss2

elantan wrote: »

...... there is no way i have that amount left over at the end of the month .....

Have you started a spending diary to try & track where your "spare" money is going?

Maybe you could acquire some children or pets to make it vanish!

elantan

hey i just got rid of the kid ...dont want him back lol ...and as for a cat ....hubby still aint got over the death of the last one (over two years ago now)....

i have a spending diary and to be honest there is now way i spend that i would be able to clear the overdraft in a month at that rate lol...right need to figure this out ...but the job hunting is soo frustrating and i really need to do that too...oh decisions decisions lol

SarahNeedle1872

Ouch El, is your council tax really £224 a month? You aren't paying back arrears are you?

Bunnyinthelights

Yoy can always adopt me Elantan?
x

elantan

sarah ..no arrears that is what we are a month living in Scotland costs ...we dont get water rates to pay (well we do but they are added into the council tax) it is just so expensive here...

bunny i would gladly adopt you ...when can you move up?...now who can we claim maintenance from (so we can half it and buy penny sweets har har)

jinky67

apparently my surplus is £771 a month:rotfl: :rotfl: :rotfl: :rotfl:

hypno06

Surplus.......

**hypno goes off to find her dictionary for this strange unknown word**

:rotfl:

LilacPixie

Elantan - adopt me!!! i'm sure i could help you get rid of some surplus income. Got 2 kids and 2 cats who wouldgladly assist too.

Are you really 75 a month servicing your car and 120 for your G&E??

elantan

lilac yes i am that for the gas ane electricity and scarily enough i am in arrears with that (pay it monthly so will have to up payments when the yearly thingy gets done) ...

i just put the £75 there for a figure last year i had the carry on with the car (if anyone remembers) which was meant to cost me over £4,000 but got assistance from renault so landed up paying £810 i dont want to take risks again incase something similar happens lol

hypno it is an unusual word isnt it i havnt came across in it reality either mmmm i think i must be really bad at this budgetting malarky:o

oi jinky is your house clean? i heard you on the daily thread saying we have to badger you till it was done ...incidently your windows looked sparkly clean to me when i passed by ...i stopped to see if you were staring out the window (lile you have nothing better to do with your time lol) but you wernt obviously you were a busy cleaning jinky:rotfl: :rotfl:

boredofbeingathome

Hello, EL'S got a new thread-yeeeeaaah!
Could you put the overdraft onto a 0% card?Or council tax over a 12 month period?
Any luck with job hunting yet?
Bob x