I based all on a 1 year pay back period and you see teh results,.
Erm this is just not going to wash I am afraid. Rather than giving monthly figures, you need to give global amounts for the big stuff - ie outstanding mortgage, CC bill, overdraft etc. An annual cost for travel to work expenses would also be useful. The basic outgoings are not excessive and should make little difference to any settlement.
The figure you have given for the mortgage - assuming it was a repayment at 5% over 25 years would equate to a mortgage of some 280k. I am pretty sure you have not mentioned such an amount.
If the debts are marital, there is a case for them being taken from the marital pot before it is divided ... this would reduce the monthly outgoings considerably but would also cut the sum to be divided.
Remember the first thing to look at here is need .... e.g. how much, realistically will it cost to house your stbx and children - and you? ... and the second is how it can be afforded from the pot.
ANNUAL BIG COSTS
annual travel to work: 5,060
train station parking 1,456
person debt/ OD: 10,000
car loan: 5,592
Redundancy insurance: 816
those all the big ones.. In all my yearly expenditure comes to 89,847 -
Once debt is repaid I am in much better position- but in order to do that I need more asset from the house- or the marital debt needs to be taken from the pot
solicitor says houses need to accommodate children if there is means- they stress the importance, as did the mediator of children feeling like they have a place in my life.. and by that they mean a room in the home .
I know they hate me now, but one day .. one day we will sit down and have dinner again.