helllllllllllp

maisiegirl

bigunfromwigan wrote: »

Can anyone please explain to me how i can edit my SOA

Can't help except there is an edit button on the post somewhere

bigunfromwigan

i really dont feel like i have to do this alone anymore thank you so much

Numpty_Monkey

bigunfromwigan wrote: »

Can anyone please explain to me how i can edit my SOA

If you look at the bottom right hand corner of a message you post you see edit/ thanks buttons, click edit and change the text you've typed in

bigunfromwigan

thanks hun

Deep_In_Debt

This is a fantastic site. I only discovered it a short while ago and I'm addicted. Everyone is fantastic and supportive. We're all here to help each other. Good luck and keep posting.

bigunfromwigan

i will and yes your right they are all great and very helpful and supportive i feel like i have another family.

Numpty_Monkey

bigunfromwigan wrote: »

i will and yes your right they are all great and very helpful and supportive i feel like i have another family.

What have I adopted:eek:


ps you are allowed to have a laugh on here aswell:D

but you are right we are a family on here:A

bigunfromwigan

lol the only thing i worry about having a new family is the christmas cards and birthday cards what i cant afford....LOL

bigunfromwigan

Anyway its past my bedtime and i want to thank everyone for being so kind and supportive you have all given me plenty to think about thankx again...

maisiegirl

bigunfromwigan wrote: »

Statement of Affairs and Personal Balance Sheet

Monthly Income Details
Monthly income after tax................ £835.69
Partners monthly income after tax....... 0
Benefits................................ £642.74
Other income............................ 0
Total monthly income.................... £1478.43

Monthly Expense Details
Mortgage................................ £577.8
Secured loan repayments................. £143.21
Rent.................................... 0
Management charge (leasehold flat)...... 0
Council tax............................. £69.75 (10 months or 12)
Electricity............................. £80
Gas..................................... £80
Oil..................................... 0
Water rates............................. £40.14 ( 10 months or 12?)
Telephone (land line)................... £60
Mobile phone............................ £99.5
TV Licence.............................. £11.61
Satellite/Cable TV...................... 0
Internet Services....................... £25
Groceries etc. ......................... 0
Clothing................................ 0 (really?)
Petrol/diesel........................... £40
Road tax................................ 10
Car Insurance........................... £42
Car maintenance (including MOT)......... 0
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..................... 28.86
Contents insurance...................... 0
Life assurance ......................... 45.92
Other insurance......................... 0
Presents (birthday, christmas etc)...... 81.25
Haircuts................................ 0 ( hair colour?)
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 1435.04

Assets
Cash.................................... 0
House value (Gross)..................... £90,ooo
Shares and bonds........................ 0
Car(s).................................. £1000
Other assets............................ 0
Total Assets............................ £91,000

Secured Debts
Description....................Debt......Monthly...APR
Mortgage...................... 85,000.......(577.8)....0
Secured Debt.................. 7,500......(143.21)...0
Total secured debts........... 92,500......-.........-

Unsecured Debts
Description....................Debt......Monthly...APR
overdraft......................£2,500.......£10.37.........0
Total unsecured debts..........£2,500.......0.........-

Monthly Budget Summary
Total monthly income.................... £1,478.43
Expenses (including secured debts)....... £1,435.04
Available for debt repayments........... £43.39
Monthly UNsecured debt repayments....... 0
Surplus(deficit if negative)............ £43.39

Personal Balance Sheet Summary
Total assets (things you own)........... £91,000
Total Secured debt...................... -£92,500
Total Unsecured debt.................... -£2,500
Personal net worth...................... 995( -4,000)

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

I've added some thoughts in red