I can't see how we'll ever be debt free & SOA

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I can't see how we'll ever be debt free & SOA

Today, 1:17 PM
MoneySaving Newbie ? Join Date: Jan 2013 Posts: 6 Thanked 1 Time in 1 Post	Hi, I'm new here, a bit desperate and don't know where else to begin. We have a HUGE overdraft and visa card balance and a few store cards, a loan and the usual bills. We've recently had another baby and I've dropped some hours at work, my husband works all hours god sends and i think financially we're starting to spiral and I'm scared. My husbands ex wife has just had her maintenance payments increased from us also. I've completed a SOA and I can see where we need to cut back on a few things. The problem is with one or two of them is that we're tied into contracts. I cant see us ever not having any debts, we're both absolutely shocking with money too. balances don't seem to be going down, when they do I use the credit cards again because we'll be skint I don't know whether to (or even if we can) consolidate so we have fewer payments going out. The hardest thing is getting our finances prioritized and or bank accounts straight. My husband gets paid weekly into our joint account, from here we pay all out bills. The only problem is we have a ?3,900 overdraft which we're up to the limit on. Because he gets paid weekly and bills are coming out all over the place, sometimes we go over our limit and some direct debits get returned. I cant figure out how to start from scratch and straighten this account out . I get paid monthly into an account with no overdraft. We live off my monthly pay, pay for food, petrol, treats, clothes etc. I don't earn enough to pay all the bills. We still seem to have no money at the end of the month in this account either According to my SOA we have over ?200 disposable income but I cant tell you we don't see this, I've no idea where is goes but it goes. My husbands weekly pay varies depending on whether he takes holiday/sick or does any over time. He has a really crappy hard job and we would love him to spend more time with us as a family but at the moment he works about 60-70 hours a week just to keep us afloat. The overdraft and visa are like a giant millstone around my neck. My husband doesn't deal with the finances at all. It's all left to me and I can't do it anymore without some help. I'm sorry to pour my heart out but I don't know what else to do. xx Statement of Affairs and Personal Balance Sheet Monthly Income Details Income from Employment (after tax). . . . . . . . . . . . . . . . . . . . . . . 2,800.00 Income from Self Employment (before tax). . . . . . . . . . . . . . . . . . . . 0.00 State Pension . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00 Private Pension / Annuity Payout. . . . . . . . . . . . . . . . . . . . . . . . 0.00 Benefits (Inc. Child Benefit/Tax Credits & Income Support). . . . . . . . . . . 134.80 Income From Savings & Investments . . . . . . . . . . . . . . . . . . . . . . . 0.00 Gifts From Family / Friends . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00 Monthly Expense Details In Your Home Mobile phones . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 113.00 TV licence. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12.12 Internet. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10.00 Home phone. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10.00 Cleaning products/Cleaner . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00 Garden maintenance. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00 Household maintenance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00 Oil . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00 Electricity . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 40.00 Gas . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 60.00 Water . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 35.00 Council tax . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 80.00 Overdraft cost. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 25.00 Bank account fee. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00 Home insurance. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 18.68 Mortgage/Rent . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 728.59 Plumbing/Boiler cover . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00 Mortgage life insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00 Mortgage payment protection . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00 Life insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 47.99 Food and household shopping . . . . . . . . . . . . . . . . . . . . . . . . . . 320.00 Drinks for home . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00 Motoring & Public Transport Petrol/Diesel . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 50.00 Parking . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00 Car tax . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 18.66 Car insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 77.00 Car maintenance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00 Rail/Buses/Taxis. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00 Breakdown cover . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00 Debt Repayments Credit card repayments. . . . . . . . . . . . . . . . . . . . . . . . . . . . . 196.81 Hire purchase repayments. . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00 Personal loan repayments. . . . . . . . . . . . . . . . . . . . . . . . . . . . 216.00 Car loan repayments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00 Savings & Investments Pension payments. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00 Buying shares . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00 Investments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00 Cash ISAs . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00 Lump sum saving . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00 Regular saving. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00 Family Pet food. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00 School trips. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00 School meals. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00 Pocket money. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00 Nappies/Baby extras . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 30.00 Laundry/Dry cleaning. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00 Children's travel . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00 Baby-sitting. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00 Childcare/Playgroups. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00 Pet insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00 Travel insurance. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00 child support . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 238.00 Entertainment Satellite/Digital TV. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 30.00 Family days out . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 20.00 Cinema/Theatre trips. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00 Books/Music/Films/Computers . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00 Big days out. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00 Shopping for fun. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00 Pet costs . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00 Hobbies . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10.00 IT/Computing (antivirus, etc) . . . . . . . . . . . . . . . . . . . . . . . . . 0.00 DVD rental. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00 Drinking out. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 130.00 Eating out. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 30.00 Clothes, Health & Beauty Complimentary therapies . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00 Optical bills . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00 Haircuts. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13.00 Dentistry . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00 Beauty treatments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00 Healthcare cash plans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00 Dental insurance. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00 Private medical insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00 Fitness/Sports/Gym. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10.00 Work clothes. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00 New children's clothes. . . . . . . . . . . . . . . . . . . . . . . . . . . . . 20.00 New clothes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00 Education & Courses University tuition fees . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00 School fees . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00 Your courses. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00 Big One-Offs Funeral expenses. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00 Wedding expenses. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00 Sofa/Kitchen/TV . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00 Birthdays . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10.00 Winter holiday. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00 Summer holiday. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 58.33 Christmas . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 33.33 Odds & Sods Newspapers and magazines. . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00 Tax & NI Provisions (self-employed only). . . . . . . . . . . . . . . . . . . . 0.00 Regular charity donations . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00 Meals at work . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00 Smokes. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00 Coffees/Sandwiches/Snacks . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00 professional registration . . . . . . . . . . . . . . . . . . . . . . . . . . . 12.66 credit expert . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14.99 Total monthly income. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2,934.80 Total monthly expenses. . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2,719.17

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Today, 1:32 PM
? Join Date: Dec 2009 Location: Glasgow Posts: 2,112 Thanked 1,400 Times in 892 Posts	Going out is costing your ?260 and holidays ?60 a month - if you cut down on going out by ?200 a month and cancel your holiday plans, things should look brighter. Keep a spending diary to see where the other money is going and phone your mobile phone providers to see if you can change tariff befiore your contract ends.

Today, 1:37 PM
MoneySaving Newbie ? Join Date: Jan 2013 Posts: 6 Thanked 1 Time in 1 Post	We don't always have a holiday to be honest and this year its looking unlikely I just thought I ought to put it in there in case we did have one. We don't always go out either, I've used that as any wine/beer we have in the house or if we have friends over and the odd night out but yes, I see we can make a difference here. I'm going to call Vodafone this afternoon, out mobile phone tariff is rediculous but I've called them before and they can't do anything about it. I can't afford to pay my way out of the contract either. Thank you

Today, 1:43 PM
? Join Date: Oct 2010 Location: In my wee bit of Bonnie Scotland Posts: 10,106 Thanked 51,174 Times in 8,249 Posts	Hi, well done for getting it down - if possible could you put it into the "usual MSE SOA" - http://www.stoozing.com/msoc/soacalc.php Some of the categories are different / lumped together - and there is a lot of missing info from this one (number of people / cars in house etc) It also requires you to list the debts, payments / month & APRs which we really need to offer advice on the debts.... Is the salary both your wages together? A couple of thoughts just now - don't consolidate ..... it rarely works If one of you is paid monthly and the other weekly, I'd suggest a totally separate bank account for all your household bills - you would then both pay in a set amount to this account (either monthly or weekly) whenever you're paid You need to put a figure in for car maintenance Summer holiday is too high - as are Drinking & Eating Out Why are you paying ?15 for your credit report each month????

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Today, 1:51 PM
MoneySaving Newbie ? Join Date: Jan 2013 Posts: 6 Thanked 1 Time in 1 Post	Hi, thank you. I'll do that later today. I didn't include car maintenance as my husband is a mechanic and he sorts our cars out through work. The ?15 credit report is my husband, I keep asking him to cancel it and he says he will but never does. Because he has to ring up and do it I can't do it on his behalf. Yes, I thought of a third account for the bills but because we're up to eyes in it I don't know how to sort one out so that the bills are paid on time while my husbands contribution builds up, if you get what I mean?

Today, 1:55 PM
? Join Date: Jul 2009 Posts: 1,367 Thanked 2,070 Times in 804 Posts	I definitely second the idea of you starting a spending journal to find out where the surplus money is going. It's an absolute eye opener. I thought I spent nothing last Saturday, for example, yet when I got the reciepts out of my purse & wrote it all down in my new 2013 spending journal, I found I'd spent ?15-99. Not a huge sum, but it all adds up, & I find I have a bit of a selective memory where my spending is concerned.

Today, 2:00 PM
MoneySaving Newbie ? Join Date: Apr 2010 Posts: 6 Thanked 14 Times in 5 Posts	Firstly no problem is unsolvable. Remember that! Just a few things that I would have a closer look into and see if you can cut/stop or even manage a small trim. Mobile phones ? it might be worth stressing you are financially distressed and won?t be able to afford them. Food ? lots of ideas on here for cheap meals (not sure how much you could shave off but it all helps) Paid TV ? do you really need this? Cinema/Hobbies ? do you really need this? Drinking out ? do you really need this? Eating out ? you can get a lot of vouchers/deals etc on here to make it a bit cheaper. Credit expert ? what is this? A spending diary is a total must if you can?t work out where the cash is going? Don?t worry I imagine this problem is experienced by everyone (me included!) After those steps its worth seeing about getting high cost debt moved to cheaper rates (if possible). Lost of options are shown on the MSE site but I would stress, be sensible about what is achievable. I?ve found the more involved you get in sorting out your financial problems the easier it gets and the more of a mind set it becomes. You might even surprise yourself and enjoy it (maybe). I hope that helps a bit and isn?t too repetitive

Today, 2:18 PM
? Join Date: Jun 2007 Posts: 1,661 Thanked 1,464 Times in 751 Posts	Is the car really necessary? you only spend ?50 on petrol so you dont go very far in it. Tallyhoh! Stopped Smoking October 2000. Saved ?14,040 so far!

Today, 2:26 PM
MoneySaving Newbie ? Join Date: Jan 2013 Posts: 6 Thanked 1 Time in 1 Post	Thanks all! The TV is stuck with us for a year I'm afraid. That's one of the contracts we're tied into. Along with the mobiles and Gas & Electric. Oh the monthly wage was joint by the way. I earn ?1000 and my husband anything between 1600 and 1800 pm. I'll start a diary, I did this once before but used to keep forgetting :s No, we don't need drinking/eating out etc but I just see it as a little pleasure as we don't do much else to be honest. Maybe I'll change my mind about that though when I've got the real figures down on paper rather than an estimate. Still, I don't know how we'll ever see the back of our debts...I hate money

Today, 2:33 PM
MoneySaving Newbie ? Join Date: Jan 2013 Posts: 6 Thanked 1 Time in 1 Post	Quote: Is the car really necessary? you only spend ?50 on petrol so you dont go very far in it. My husbands petrol is paid for through work so that's just my diesel. I go to and from school and work. I also do a few on calls too so I'd need it then and my husband works really long hours which overlap mine but he also does on calls, it'd mean that one of us was car-less three times a week which isn't a prob when I'm at home but as I rely on my parents for child care and they dont live anywhere near me I prefer to use the car to get home from work to let them go home. I work 730am-730pm so using my car means I can get home 45min sooner for my mum to go home and do the 15mile journey. Does that make sense? sorry I'm typing as my daughter is using me as a c;liming frame!

Today, 2:52 PM
MoneySaving Newbie ? Join Date: Jan 2013 Posts: 6 Thanked 1 Time in 1 Post	Here's the proper SOA. I think it's correct. I've had to group a few things together and put them under entertainment. I've also taken off the holiday. [font=courier new]Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 2 Number of cars owned.................... 2 Monthly Income Details Monthly income after tax................ 1000 Partners monthly income after tax....... 1800 Benefits................................ 134.8 Other income............................ 0 Total monthly income.................... 2934.8 Monthly Expense Details Mortgage................................ 728.5 Secured/HP loan repayments.............. 124 Rent.................................... 0 Management charge (leasehold property).. 0 Council tax............................. 80 Electricity............................. 40 Gas..................................... 60 Oil..................................... 0 Water rates............................. 35 Telephone (land line)................... 10 Mobile phone............................ 113 TV Licence.............................. 12.12 Satellite/Cable TV...................... 30 Internet Services....................... 10 Groceries etc. ......................... 360 Clothing................................ 20 Petrol/diesel........................... 50 Road tax................................ 18.66 Car Insurance........................... 77 Car maintenance (including MOT)......... 0 Car parking............................. 0 Other travel............................ 0 Childcare/nursery....................... 0 Other child related expenses............ 268 Medical (prescriptions, dentist etc).... 0 Pet insurance/vet bills................. 0 Buildings insurance..................... 10 Contents insurance...................... 8.68 Life assurance ......................... 47.99 Other insurance......................... 0 Presents (birthday, christmas etc)...... 43 Haircuts................................ 13 Entertainment........................... 200 Holiday................................. 0 Emergency fund.......................... 0 credit expert........................... 14.99 professional reistration................ 12.66 Total monthly expenses.................. 2386.6 Assets Cash.................................... 0 House value (Gross)..................... 160000 Shares and bonds........................ 0 Car(s).................................. 1500 Other assets............................ 0 Total Assets............................ 161500 Secured & HP Debts Description....................Debt......Monthly.. .APR Mortgage...................... 119000...(728.5)....3 Hire Purchase (HP) debt ...... 992......(124)......0 Total secured & HP debts...... 119992....-.........- Unsecured Debts Description....................Debt......Monthly.. .APR Visa card......................6300......186.8.....0 visa card......................200.......10........19.9 4 next directory.................550.......62........25.9 9 Argos card.....................600.......30........29.9 Total unsecured debts..........7650......288.8.....- Monthly Budget Summary Total monthly income.................... 2,934.8 Expenses (including HP & secured debts). 2,386.6 Available for debt repayments........... 548.2 Monthly UNsecured debt repayments....... 288.8 Amount left after debt repayments....... 259.4 Personal Balance Sheet Summary Total assets (things you own)........... 161,500 Total HP & Secured debt................. -119,992 Total Unsecured debt.................... -7,650 Net Assets.............................. 33,858

Today, 3:50 PM
? Join Date: Apr 2012 Posts: 307 Thanked 183 Times in 117 Posts	Hi, Just a few small ideas... - Entertainment is too high I'm afraid - Groceries is also high, try the old style board for great bargain and batch cooking ideas - Do you need both cars? You're only spending ?50 a month on petrol which implies they're doing relatively low mileage. When we got rid of our second one I was so shocked by how much we saved More people will have better ideas too Debt paid off ?0/?5500 MFW #42 OP ?0/?2000 Save ?12k in 2013 #079 ?0/?3000

Today, 4:03 PM

? Join Date: Mar 2010 Posts: 65 Thanked 94 Times in 22 Posts

Quote: Here's the proper SOA. I think it's correct. I've had to group a few things together and put them under entertainment. I've also taken off the holiday. [font=courier new]Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of childr Source: http://forums.moneysavingexpert.com/showthread.php?t=4384999&goto=newpost joseph kennedy iii ghost hunters lightsquared david lee honduras prison fire do not call list sports illustrated Subscribe to: Post Comments (Atom) Followers Blog Archive ▼  2013 (69) ►  July (17) ►  June (13) ►  March (4) ▼  January (35) Justified, Season 4 As Inaugural Poet, Richard Blanco Is Expected To B... I can't see how we'll ever be debt free & SOA Love and Food: How They're Connected in the Br... Vaccine schedule safety: IOM Report to release Jan... Blue Cross Blue Shield Florida US tax code longer than Bible _ without good news Iowa officials warned of inmate before release 'Extinct' whale found: Odd-looking pygmy whale tra... EzineArticles Alert: Internet-and-Businesses-Onlin... Woman pleads guilty in 'total identity theft' case Family of journalist seized in Syria break their s... Community Board ll Barter ll Gaming ll Graphics ll... German bank regulator to probe pay awards at Germa... NVIDIA announces their cloud platform, say hello t... exit cast: EzineArticles Alert: Internet-and-Busin... Thumbs For Food: Hoshino Coffee (Dhoby Ghaut) | Th... Craigslist Slowly Expands Its Maps To Items For Sa... Cliff deal includes at least $67.9B for special in... Large earthquake strikes off Alaska coast Fatah rally in Gaza looks toward unity with Hamas Worst Rep in the World? (talking-points-memo) Book Review - Lawfare RIMS President John Phelps Outlines Future for RIM... Carving depicts stylishly plump princess Kiki Prottsman: Why American Students Are Trailing... Boost Your Business Success With These Mobile ... ... Baby/Toddler Coupons Round Up As of 01/02! Rift? What Rift? (talking-points-memo) "The Darkling Thrush" Domain Industry Experts Share 2013 Predictions (Pa... Michael Hudson: America's Deceptive 2012 Fisca... From partisan perspective, ?cliff? may not be that... I have posted a home for sale by owner and I canno... President Obama Urges Illinois Lawmakers To Legali... ►  2012 (94) ►  December (85) ►  November (9) About Me kulsumkatun2 View my complete profile