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    • kazd
    • By kazd 31st Dec 05, 10:34 AM
    • 1,120 Posts
    • 434 Thanks
    kazd
    Question: On the income spreadsheet it refers to a "calorie Counter" for self-employed tax and NI, but I cannot find any further detail about this. What is it and where can it be found?

    Suggestion: Why not just post the spreadsheet password, then those who are familiar with Excel can use Unprotect to adapt the spreadsheet to their own requirements.

    Guy
    by ddclutch
    I think thats a good idea and if you mess up you can just delete and start again. I have a massive excel spreadsheet for my work and needed to crack the password to get it on to my pda, hubby was able to do this somehow. (Turned out file was far to big for pda, sold pda, bought new laptop!)
    • kazd
    • By kazd 31st Dec 05, 10:37 AM
    • 1,120 Posts
    • 434 Thanks
    kazd
    Also I have just completed the planner and it says I am overspending by 760 odd per month which is approx 9k. Yet when I do a complete income v expenditure for the whole of this year it shows a total overspend of just over 2k. This has all my accounts, I buy everything on Amex first followed by capital one and have limited cash withdrawal. All holiday spending is done on Nationwide cc and flex account for withdrawal. Not sure where I am going wrong.
  • Life On Mars
    Open Office Spreadsheet
    I use the wonderful Open Office as a free alternative to Microsoft Office. Although it converts Microsoft file formats quite happily most of the time as others have pointed out it can't cope with the Budget Planner spreadsheet

    I tried using the online version, but got stuck when I wanted to print - it only printed the first couple of sections. I couldn't save the web page either - not without losing my data :rolleyes:

    So, I copied it into Open Office - if anyone wants a copy contact me and I'll let you have it
  • horridhenry
    Help - first time poster
    Treid Debt free board and was ignored

    Need help as DH vanished for 6 mths, leaving me alone with 2 kids under 5, actually under 18 ths! and then he emptied the bank account, about 750 more than was in there without an authorised overdraft, i phoned barclays and explained the problem and they where totally unsymapthetic
    They said they would accept no less than 70 a month, now considering i am reliant on income support, i didnt work after 1st child born as dh wanted me at home, and i was happy to stay with child, i have to have benifit, i only get 56 a week income support, which just about covers the bills, then 42 a week ctc which we have to live on. I cannot get a dmp until i am earning and youngest child is only 18 weeks old, so not for a few mths yet.

    The bank are threatening to close the account and then we are stuck.

    Can anyone suggest a way around this? We have other debts but they have been really sympathetic and are allowing me to pay whatever i can each month for next 6 mths.

    Wouls love help and suggestions.
  • wilhum
    budget planner won't open
    appologies if this question has been answered before.
    Down load does not open after unzippng.

    I have newish Evsham Quest A610 with MS office 95 including Excel

    Please advise
    Thanks wilhum
  • JayneS
    In reply to HorridHenry, I don't know if you would be able to do it, but my son go into a bit of bother with spending more than he earned, so he got a lodger. It seems that you can do it without tax implications, but it's worth asking the benefits people if you would be able to do it. Maybe a student, or someone you know, for security reasons. Citizens Advise might help. Have you been to see the Bank Manager face to face? I fail to see why they would not understand. Have you thought about what you can sell to get you out of this spot, then start again. Sell DH's things first!!!
    • mrsbez
    • By mrsbez 13th Jan 06, 2:05 PM
    • 211 Posts
    • 114 Thanks
    mrsbez
    HORRIDHENRY reply

    I'm sorry, sounds like he has left you in a right mess! You say if they close the account you would be in a mess?Why is that? Does your husbands income go into the joint a/c???

    1:-open a new a/c at a different bank in your sole name that will allow you to pay in your income support/tax credits and pay out d/debits. If there are bills that come out of the Barclays joint a/c in his sole name then you are not responsible for those, so just concentrate on paying the main household bills. You may only be able to open a basic bank account but this will do.(Try Natwest 'Step' Account). Then once you have transferred your income and d/debits to new account, contact Barclays - send them a letter explaining what has happened and tell them your new income/expenditure without hubby. Tell them you are willing to repay the amount but that you can only afford minimum amount.If they still threaten to close the account, then let them. They will probably pass it to a collection agency who will probably be willing to accept reduced payments for the time being.

    Obviously this will affect your credit rating but i cannot see much else you can do.

    2:- Meanwhile, if dh does not come back, then contact benefits agency/child tax credits and advise them of your new situation. You should get some extra help if he has left you with no income etc?

    By the way- do you have a mortgage? Have you heard from him? Does he give you any income at all?

    Hope this helps, am not an expert but am a mom and have helped my sis (lone parent through a similar thing!)

    Hope things get better for you!
  • danbhardy
    Well a nice lighter note, i just did my budget on the online one and found i am well off to the tune of 400 a month! And thats on being on benefits!

    With regards to the suggestion of the Step Account, its not all that good, they credit check you in order to get it, this i know from experience. Nationwide are pretty good, they just open a very basic flexaccount with cashcard and direct debits, but has internet banking and all the normal access to the account!

    Basically when my wife lost her job we ended up going deeper and deeper into debt, so we "started again". We just got rid of the old accounts, changed all bills over, so whatever was in her name went in my name and vice versa (we werent married at the point so still had our own surnames) and thus temporarily getting rid of the debt. You will find that most debt collection agencies will pressure you, but they wont go to the county court immediately as they know that any county court will only make an order to pay 2.85 a week for someone who is on benefits, and they dont make them all payable at the same time, they queue them so you are only paying 1 off at a time! The debt collectors will keep chasing cos they think if they hassle enough they will get either a lump sum from you or will get a payment scheme that is suitable for them and not for you.

    Anyhow this is just my observations!

    Dan
  • Redbrass
    Thanks
    I have just started useing OpenOffice, can you email me a copy of the Budget Planner in OpenOffice format.

    Thanks
    Redbrass
  • sistersis
    Monthly Food Planner
    HI Can I have your monthly food planner too!
    HAving just had baby 3 find it very hard to plan!!!!!!!!!!!
    Thankyou
  • dentaldave
    budget planner
    Click reply to discuss the Budget Planner
    by MSE Andrea
    Can the budget planner be extended to cover 12 months.
    Dave Allen
    • BoRacic
    • By BoRacic 22nd Feb 06, 11:02 PM
    • 17 Posts
    • 3 Thanks
    BoRacic
    I would also like the monthly food planner please.
    Many thanks
    Bo
  • SAP_Saver
    I think this is great - it has things on here I would never have thought of. Sadly it has made me realize that I probably should think about pensions and investments as I have nothing in that section... the spend goes up thanks to MSE thats a rare one...!!

    Deepest Debt - 13,000+
    Debt Now - 0
    • mealmond
    • By mealmond 18th Mar 06, 10:49 AM
    • 315 Posts
    • 43 Thanks
    mealmond
    Budget Planner-PDA
    Hi

    I like the budget planner very and would like to make it available on my PDA.

    However I cannot transfer it over as it is protected.

    Is there a way around this or is there a version available for a PDA




    Thanks


    Martin
    Been there, done that, now I want to do it cheaper!!
  • clbanks
    Yes please, I would like to have a copy of your monthly food planner. Thanks
    • Sea78
    • By Sea78 4th Apr 06, 9:09 PM
    • 6,133 Posts
    • 8,484 Thanks
    Sea78
    Hi,
    Could I get a copy of the food planner too please?
    Thanks
    CCCS DMP:Feb 07
    Total:37,016.470 DEBT FREE FEB 14
  • Lillys mum
    Hi can I please also have a copy of the food planner - any help would be great I have a hungry husband and 3 children to feed!!
  • Debtfree Nessie
    food planner
    hi
    Can i have a copy of the food planner. thanks
  • endemoniada
    Metoo, I'd love a copy of your food planner please!!
  • Jaffa
    hi please can ia have a copy of the food planner
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