Account Details

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					9/1/2011 4:04 PM                                                                                       Account Details Page 1,                                                   249cf494-0325-44b7-92f8-8cdcfa68a95a.xls



Details of relevant accounts and contact points                 This sheet is simply the listing of details so you have them easily accessible




Deeds to house held at                                          Just include the details. No data is used in calculation
Correct at                    01 January 2008
Bank and Investments
Account type              Account               Company             Ref/ Acc #       Sort Code Address                                Held in name of   Tel #   E-mail   Notes
Savings Passbook          Account
Current Account           Account
Savings Account           Account
Savings Account           Account
Mortgage                  Account
ISA                       Account
ISA                       Account
Credit card               Mastercard
Credit card               Visa
Pension – Annuity
Premium Bonds


Insurance Companies etc
Insurance type          Company                 Policy Number     Renewal Date                   Address                                   Names        Tel #   E-mail   Notes
Contents & Buildings
Hospital / Injury
Redundancy
Health
Mortgage Term Assurance




                                                                                                              Page 1
9/1/2011 4:04 PM                                               Income Page 2,   249cf494-0325-44b7-92f8-8cdcfa68a95a.xls


Monthly                       Additional      Annual
Person 1 Net          £130.00          £53.09 Extra 1             £53.09
Person 2 Net           £60.00                 Extra 2
Child Benefit           £1.00                 Extra 1
Interest on
Savings                 £0.00                  Extra 1

Child Tax Credit        £0.00                  Extra 1
Monthly Net           £191.00                  Extra 1
Annual Net
Income               £2,345.09         2398.18 Extra 1




Total Gross Income               Gross annual Extras       Gross Monthly
Person 1             £2,002.00        £2,000.00      £2.00      £166.67
Person 2             £1,000.00        £1,000.00                  £83.33
Gross Income         £3,002.00                                  £250.00




                                                                  Page 2
9/1/2011 4:04 PM                                                                      Outgoings Page 3,                                                                                  249cf494-0325-44b7-92f8-8cdcfa68a95a.xls


Monthly items (Direct Debit / SO etc)               Changes Annual Items                        Changes Insurance and Pension cover amounts summarised not used in calculations
House                                                       Annual 1                    £1.00           Life cover 1
Water                                      £1.00            Annual 2                    £1.00           Injuries cover                       Variable
TV license                                 £1.00            Annual 3                    £1.00           Health 1                             Variable
Gas & Electric                             £1.00            Annual 4                    £1.00           Life cover 2
Council Tax (avg over 12 months)           £1.00            Annual 5                    £1.00           Injuries cover
TV, Tel & Broadband                        £1.00            Car tax                     £1.00           Other
Spare                                      £1.00            Car Insurance               £1.00           Other
Mobile phone                               £1.00            Annual 6                    £1.00           Other
Mortgage Payment (rate 4%)               £100.00    £110.00 Car Maintenance             £0.00
Overpayment on Mortgage                   £10.00            House & Contents Ins        £1.00             Mortgage – Life cover – Level Term                    Mortgage
                                                            Annual 7                    £1.00             Redundancy
Other                                                       Annual 8                    £1.00
Other 1                                    £1.00            Other Costs
Other 2                                    £1.00            Annual 9                    £1.00             TOTAL CASH POSITION
Other 3                                    £1.00            Annual 10                   £1.00             ISA Stocks & Shares                           £1.00 Profit (Loss)                   £1.00
Other 4                                    £1.00            Annual 11                   £1.00             ISA Cash                                      £1.00
Other 5                                    £1.00            Annual 12                   £1.00             Monies in Savings offset                      £1.00 See Savings tab for graphical
Other 6                                    £1.00            Annual 13                   £1.00             Current Account offset                        £1.00 Total owned                     £4.00

General Outgoings per month                                 Annual 14                  £1.00              Mortgage debt remaining                      -£3.00 Offset Money                     £2.00 % incurring int
Petrol (from petrol sheet tab)              £0.56           Annual Items Total        £17.00              Credit Card                                  -£1.00 Int is on Mrtge                 -£1.00          33.33%
Other 7                                     £1.00                                                         Loans                                        -£1.00 Debt                            -£5.00 Mortgage APR
Food, Toiletries & Cleaning etc             £0.00           Annual Home & Car etc to save                 Notes                                               Net Position                    -£1.00 Savings APR
Clothing & Shoes                            £0.00           Car saving per year         £1.00             Annual Home is manual entry                                                                Current A/C APR
Other 8                                     £1.00           Decorating                  £1.00             On average                                                                                 Tax rate
Dry cleaning                                £1.00           Furniture                   £1.00             Assumes furniture depreciation / lasts 10 years
Other 9                                     £1.00           Garden                      £1.00             Plants, bulbs etc
Other 10                                    £1.00           Holiday                     £1.00             Annual holiday amount in 2007 (hol, cash, insurance & taxi)
Ancillary costs                             £1.00           IT/Entertainment Sys        £1.00             Assumes replacement PC every 3 years & TV etc 8 years
Stocks & Shares ISA 1 DD amnt               £1.00           Total Home & Car            £6.00
Stocks & Shares ISA 2 DD amnt               £1.00
Typical Monthly Costs                     £131.56           Total Annual Costs       £1,601.73
Equiv. Annual Costs for these           £1,578.73           Annual Net Income        £2,398.18
                                                            Annual Extra left          £796.45
                                                            Monthly Amount left over estimate               £66.37
                                                            Monthly Amount to save cover home & car etc      £0.50
                                                            Monthly Costs incurred from Home & Annual Items£132.98
                                                                                     Check Monthly Total   £199.85
                                                                                               Annual    £2,398.18




                                                                                          Page 3
      9/1/2011 4:04 PM                                                                                                                                                                                                              Groceries Page 4,   249cf494-0325-44b7-92f8-8cdcfa68a95a.xls




Expenditure on Groceries
Objective: Reduce costs and maximise value of purchases made without compromsing quality

    Average monthly cost             £0.00                  Annual savings generated        £0.00
             Food                    £0.00                                          s
                                                            Based on acceptable item only
             Cleaning                £0.00
             Others                  £0.00

                                                                                                                                                                            Frequency
                                                            Toiletries &                                                                        Cost of                     of            Annual        Annual
Date           Spend          W here         Food           Cleaning       Others                   Date   Item   Original Cost   Alternative   Alternative   Saving        Purchase/Yr   Saving        Saving        Acceptable?
   14/06/08                                                                                                                                                         £0.00                       £0.00         £0.00   Y
   21/06/08                                                                                                                                                         £0.00                       £0.00         £0.00
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                                                                                                                                                                    £0.00                       £0.00         £0.00




                                                                                                                                                                                                                                         Page 4
      9/1/2011 4:04 PM                                                                                         Groceries Page 5,   249cf494-0325-44b7-92f8-8cdcfa68a95a.xls




                                                                              £0.00            £0.00   £0.00
                                                                              £0.00            £0.00   £0.00
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                                                                              £0.00            £0.00   £0.00
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                                                                              £0.00            £0.00   £0.00
                                                                              £0.00            £0.00   £0.00
                                                                              £0.00            £0.00   £0.00
                                                                              £0.00            £0.00   £0.00
                                                                              £0.00            £0.00   £0.00
                                                                              £0.00            £0.00   £0.00
                                                                              £0.00            £0.00   £0.00
                                                                              £0.00            £0.00   £0.00
                                                                              £0.00            £0.00   £0.00
                                                                              £0.00            £0.00   £0.00
                                                                              £0.00            £0.00   £0.00
                                                                              £0.00            £0.00   £0.00
                                                                              £0.00            £0.00   £0.00
                                                                              £0.00            £0.00   £0.00
                                                                              £0.00            £0.00   £0.00
                                                                              £0.00            £0.00   £0.00
                                                                              £0.00            £0.00   £0.00
                                                                              £0.00            £0.00   £0.00
                                                                              £0.00            £0.00   £0.00
                                                                              £0.00            £0.00   £0.00
                                                                              £0.00            £0.00   £0.00
                                                                              £0.00            £0.00   £0.00
                                                                              £0.00            £0.00   £0.00
                                                                              £0.00            £0.00   £0.00
                                                                              £0.00            £0.00   £0.00
                                                                              £0.00            £0.00   £0.00
                                                                              £0.00            £0.00   £0.00
                                                                              £0.00            £0.00   £0.00
                                                                              £0.00            £0.00   £0.00
                                                                              £0.00            £0.00   £0.00
                                                                              £0.00            £0.00   £0.00
                                                                              £0.00            £0.00   £0.00
                                                                              £0.00            £0.00   £0.00
                                                                              £0.00            £0.00   £0.00
                                                                              £0.00            £0.00   £0.00
                                                                              £0.00            £0.00   £0.00
                                                                              £0.00            £0.00   £0.00
    01/09/11                                                                  £0.00            £0.00   £0.00
Totals               £0.00   £0.00   £0.00   £0.00   Totals   £0.00   £0.00   £0.00   Saving   £0.00   £0.00
Time/mnths              39
Av per week          £0.00   £0.00   £0.00   £0.00
Av per Month         £0.00   £0.00   £0.00   £0.00
Date basis        01/09/11




                                                                                                                    Page 5
      9/1/2011 4:04 PM                                                                      Clothing and Shoes Page 6,   249cf494-0325-44b7-92f8-8cdcfa68a95a.xls




Expenditure on Clothing & Shoes
Objective: Reduce costs and maximise value of purchases made without compromising quality

    Average monthly cost             £0.00
             Clothing                £0.00
             Shoes                   £0.00
             Others                  £0.00



Date           Spend          W here         Clothing       Shoes          Others
   06/06/08
   19/06/08




                                                                                                     Page 6
      9/1/2011 4:04 PM                               Clothing and Shoes Page 7,   249cf494-0325-44b7-92f8-8cdcfa68a95a.xls




    01/09/11
Totals               £0.00   £0.00   £0.00   £0.00
Time/mnths              39
Av per week          £0.00   £0.00   £0.00   £0.00
Av per Month         £0.00   £0.00   £0.00   £0.00
Date basis        01/09/11




                                                              Page 7
9/1/2011 4:04 PM                                                Car Costs Page 8,                            249cf494-0325-44b7-92f8-8cdcfa68a95a.xls


Duration/mth Total Cost                                Total >0      28.7797147 Duration/mnth Total Cost
           58      £32.52                              Rows                   1           58             0
Fuel Cost per month                £0.56              Average MPG 28.7797147 Extra Cost per month            0
Fuel Cost per week                 £0.13 Total mileage          240
Fuel Cost per year                 £6.73 Miles/month    4.13793103              Cost per year                0
     01/09/11                            Predicted/Yr   49.6551724                  01/09/11
                                         Based on                58 months
Next service due at #### miles
Miles left to service              10000
Approx weeks to service       2416.66667
Approx date for service          24/12/57




                                                                    Page 8
9/1/2011 4:04 PM                                                                                                                                    Mortgage Page 9,                                                                                     249cf494-0325-44b7-92f8-8cdcfa68a95a.xls




Mortgage Position over time
             Manually enter the transaction and the balance remaining                   Graph will work in OpenOffice

Date            Transaction  Balance
       08/06/06       -£1.00 -£50,000.00
       12/06/06      £200.00 -£49,800.00                                                                                                               Mortgage
       19/06/06


                                                               -£49,100.00




                                                               -£49,200.00




                                                               -£49,300.00




                                                               -£49,400.00




                                                               -£49,500.00




                                                                                                                                                                                                                                     Balance

                                                               -£49,600.00                                                                                                                                                           Transaction
                                                           £




                                                                                                                                                                                                                                     Linear ( Balance)




                                                               -£49,700.00




                                                               -£49,800.00




                                                               -£49,900.00




                                                               -£50,000.00




                                                               -£50,100.00

                                                                             6/8/2006    6/9/2006   6/10/2006   6/11/2006   6/12/2006   6/13/2006            6/14/2006   6/15/2006   6/16/2006   6/17/2006   6/18/2006   6/19/2006

                                                                                                                                                      Date




                                                                                                                                                        Page 9
            9/1/2011 4:04 PM                                                                                      Savings Page 10,                                              249cf494-0325-44b7-92f8-8cdcfa68a95a.xls




                                                                             Savings




                                                                                                                                                         Transaction

                                                                                                                                                         Balance

                                                                                                                                                         Linear (Transaction)

                                                                                                                                                         Linear ( Balance)




7/19/2004      11/19/2004   3/19/2005   7/19/2005   11/19/2005   3/19/2006   7/19/2006   11/19/2006   3/19/2007     7/19/2007   11/19/2007   3/19/2008




                                                                                                                      Page 10
9/1/2011 4:04 PM                                                                  Loans and Debts Page 11,                                                   249cf494-0325-44b7-92f8-8cdcfa68a95a.xls


Loans and Debts
Objective should be to clear as soon as you can
              Sum your loan totals to this cell Current debt          -£1.00              Monthly Payments           £0.00                  Interest costs per year                        £1.00

                                                                                                               Monthly       Interest per
Loan name / holder                             Due date        Amount owed Interest rate Present annual cost   Repayment     year




                                                                                         Page 11
      9/1/2011 4:04 PM                                                                      Spare spend sheet Page 12,   249cf494-0325-44b7-92f8-8cdcfa68a95a.xls




Expenditure on ######
Objective: Reduce costs and maximise value of purchases made without compromising quality

    Average monthly cost             £0.00
             Clothing                £0.00
             Shoes                   £0.00
             Others                  £0.00

Date           Spend          W here         Clothing       Shoes          Others
   06/06/08
   19/06/08




                                                                                                     Page 12
      9/1/2011 4:04 PM                               Spare spend sheet Page 13,   249cf494-0325-44b7-92f8-8cdcfa68a95a.xls




    01/09/11
Totals               £0.00   £0.00   £0.00   £0.00
Time/mnths              39
Av per week          £0.00   £0.00   £0.00   £0.00
Av per Month         £0.00   £0.00   £0.00   £0.00
Date basis        01/09/11




                                                              Page 13

				
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