No worries, Michelle!
![Smiley :)](https://www.talk.uk-yankee.com/Smileys/classic/smiley.gif)
Just have Ricky sign up for an account of his own and he can post using that, so that we don't get confused.
I think what you have here looks good - the only thing I might change is how the budget is laid out. What the ECO wants to see is that you'll have at least £92.80 per week left over after rent, bills and loan repayments are made - I'd probably show that like this:
Monthly Budget #1 (single income; Michelle not working)
RICKY'S WAGES = approx £766
RENT = £200
ELECTRICITY = approx £55
GAS = approx £30
TELEPHONE/TV RENTAL = approx £40
MOBILE PHONE = £25
CREDIT CARD PAYMENT = approx £20
Total rent/bills/loan repayments: £370
Income left over for food/transportation/entertainment/misc.: £396 or £99 per week
FOOD = approx £ 120
TRAVEL = £75
ENTERTAINMENT/MISC = approx £100
TOTAL = £295
SAVINGS = approx £100 per month
Monthly Budget #2 (two incomes; both working)
RICKY'S WAGES = approx £766
MICHELLE’S WAGES = approx £800
(40 hours times £6 an hour minus amount for tax)
AVERAGE MONTHLY WAGE plus MICHELLE’S WAGES = £1566
RENT = £200
ELECTRICITY = approx £55
GAS = approx £30
TELEPHONE/TV RENTAL = approx £40
MOBILE PHONE = £25
MOBILE PHONE FOR MICHELLE = approx £25
CREDIT CARD PAYMENT = approx £20
Total rent/bills/loan repayments: £415
Income left over for food/transportation/entertainment/misc.: £1,151 per month
FOOD = £150
TRAVEL = £100
CREDIT CARD PAYMENT = approx £20
ENTERTAINMENT/MISC = approx £200
TOTAL = £470
SAVINGS = approx £680 per month
The first budget shows that you can make it with only one salary (the worst case scenario); the second shows you having no trouble whatsoever.
I hope this makes sense - it's getting kind of late here!
![Smiley :)](https://www.talk.uk-yankee.com/Smileys/classic/smiley.gif)
You'll probably want to check my math, too.