Statement of Affairs

Purplekylie22

For sequestration (Scottish banckcurpcy) For me and my two kids 4 + 5

Monthly Income
Income Amount
Net Monthly Salary £1,000.00
Benefits (Tax Credits child, child care and working)
£1,213.00
TOTAL MONTHLY INCOME £2,213.00

Essential Monthly Outgoings
Outgoings Amount
Rent £280.00
Council Tax (This years one is included in debt, do I still budget?)
£100.00
Electricity £50.00
Gas £40.00
Telephone £15.00
Internet (needed for OU Course) £15.00
Mobile Phone £10.00
TV Licence £13.00
Satellite TV (I know this might not be accepted)
£45.00
Contents Insurance £15.00
Groceries £400.00
Clothing £70.00
Petrol (I contribute towards BF's petrol as he picks me up from work everyday)
£50.00
Other Travel (Bus Fairs) £50.00
Childminder/Nursery £1,100.00
Pets Insurance/Vets Bills £15.00
Birthdays/Christmas (I know this might not be accepted)
£15.00
Holidays (I know this might not be accepted)
£15.00
TOTAL MONTHLY OUTGOINGS £2,298.00

NET MONTHLY SURPLUS -£85.00

peachyprice

Purplekylie22 wrote: »

For sequestration (Scottish banckcurpcy) For me and my two kids 4 + 5

Monthly Income
Income Amount
Net Monthly Salary £1,000.00
Benefits (Tax Credits child, child care and working)
£1,213.00
TOTAL MONTHLY INCOME £2,213.00

Essential Monthly Outgoings
Outgoings Amount
Rent £280.00
Council Tax (This years one is included in debt, do I still budget?) £ 100 No, just budget for this year, last years will be wiped out
Electricity £50.00
Gas £40.00
Telephone £15.00
Internet (needed for OU Course) £15.00
Mobile Phone £10.00
TV Licence £13.00
Satellite TV (I know this might not be accepted)
£45.00 Definitley won't be allowed
Contents Insurance £15.00
Groceries £400.00
Clothing £70.00
Petrol (I contribute towards BF's petrol as he picks me up from work everyday)
£50.00 I would add these together and just put £100 for travel.
Other Travel (Bus Fairs) £50.00
Childminder/Nursery £1,100.00
Pets Insurance/Vets Bills £15.00
Birthdays/Christmas (I know this might not be accepted)
£15.00 As you already have a deficit this probably won't be allowed
Holidays (I know this might not be accepted)
£15.00 Ditto
TOTAL MONTHLY OUTGOINGS £2,298.00

NET MONTHLY SURPLUS -£85.00

Hope this helps some.

december

Hi,
How about adding on haircuts, prescriptions (if you actually need them), opticians, dentists and dry cleaning? (again if that's something you use)
December

Purplekylie22

Definetly helps. Thanks Peachy Price.

I think most places allow £20 - £25 for Sky from what I have heard, so I figure I will just add the actual amount I pay and if they want to reduce it they can. Same with Birthdays and Holidays.

My council tax work out around £100 a monthbut I havent paid this year Apr 08 - Apr 09, so it has gone to shireff officers so I have included it in debt. As they council says - the total is due at the start of the year, they chose to let you pay it over 10 months. so it is a debt. but I dont know whether after BR the council will try to make me pay Council tax from the date of bankcrupcy to Apr 09 or they will start from fresh in April 09...

Purplekylie22

december wrote: »

Hi,
How about adding on haircuts, prescriptions (if you actually need them), opticians, dentists and dry cleaning? (again if that's something you use)
December

Oh.. Thank you.. say hair cuts £25 for me and the boys?
Perscriptions free due to tax credits
I cant get a dentist so no costs there.
Optionions, I pay about £15 a month for contacts, should I include that?
Dry cleaning I dont use but I should.


I have added in £70 for clothes each month as my kids go through things like no bodies business, but also - I am 5 weeks pregnant, I will need maternity clothes / bras e.t.c Would I be able to add anything towards baby items crib / pushchair e.t.c?

shadowdragon

Not sure about scottish BC, but the CCCS adviseued me to ensure I didnt have a deficit on my general living expenses as they may question whether my BC was because of that and not due to creditors. If scotland is the same try and balance your income over your expenditure. When I did mine I had £8 left each month!!!!

december

I don't know about the deficit situation to be honest shadow dragon as our deficit was about £300 per month and we included things like opticians, dentists etc even though currently there is no money left for things like that. Hopefully however once my partner is well enough to get a job that will change. All that the OR asked was how had this deficit been supplemented, my answer was through family support and he was fine with that.

Purplekylie - even though you can't get a dentist now it might still be worth including in your SOA as hopefully in the future that will change I think it's something like £10 per month for ladies haircuts and £5 per month for mens if that helps. I think up to £10 per person is allowed for opticians although I'm sure someone will correct me if I'm wrong

December

tigerfeet2006

Kylie check out Freecycle for clothes, maternity, baby stuff etc https://www.freecycle.org . Also carboots and the personal ads in your local paper.

Purplekylie22

Thanks, I have never heard of Freecycle before but I will give it a look - my proplem for maternity stuff any way is that Im a size 24 and its almost impossable to get anything in that size!

Purplekylie22

Thank you Decmber - your a great help!

tigerfeet2006

Purplekylie22 wrote: »

Thanks, I have never heard of Freecycle before but I will give it a look - my proplem for maternity stuff any way is that Im a size 24 and its almost impossable to get anything in that size!

Hmm! that is a problem. I'll keep an eye out for you our end.

With Freecycle you express an interest in an item and if you are chosen you pick it up from the advertiser for FREE . It's great for household items to.