This is my soa , what do u think? all advice help wanted

scjs2008

INCOME
child benfit £43.30
income support £ 60.50
ctc £122.99
Total income £907.16

OUTGOINGS

Rent/Water rates £48-inc arrears payments
Council tax £16 (this is arrears) housing benefit pays my full rent and this yrs c/tax
Gas £45
Electric £45
contents ins £11
Telephone bt landline £13.50 dd mpp
sky £21
AOL £10
school trip fund £6
tv license £15
mobile contract £24
daughters swimming £15
Playgroup £64
Bus /travel £25
Food/toiletry/ £300
Nappies/wipes £30
Clothing and footwear£200
Hair dressing £15
TOTAL £ 903.50

DEBT
overdraft--- £ 1601.40
credit card1 --£950
credit card2 --£1800
store cards --£750
ccj --£1600 currently stopped re payments 4 months ago
total-- £6701.400:eek:

Above is where my money goes every month

I am single parent to 3 children ages ranging from 7yrs to 3 and currently 7 months pregnant.

I cannot cope with my debts on my benefit which i solely relay on, i had enough of he stress of the phonecalls so i contacted the cccs only appt availible is 3 weeks! :eek: I think my only option is bankruptcy

I dont know what to write other than what will i expect from cccs??

Thanks in advance
s x

Merlot

scjs2008 wrote: »

INCOME
child benfit £43.30
income support £ 60.50
ctc £122.99
Total income £907.16

OUTGOINGS

Rent/Water rates £48-inc arrears payments
Council tax £16 (this is arrears) housing benefit pays my full rent and this yrs c/tax
Gas £45
Electric £45
contents ins £11
Telephone bt landline £13.50 dd mpp
sky £21 - This has got to go, you cannot afford it
AOL £10
school trip fund £6
tv license £15
mobile contract £24 - again, this has got to go
daughters swimming £15 - mmm.....
Playgroup £64 Why are you paying this? I never paid anything to attend my local playgroup, if you have to pay then I say find a free one in your area, you cannot afford this
Bus /travel £25
Food/toiletry/ £300 - This is far far far too high - You should be able to reduce to £200 easily. Take a look at the Old Style Board for meal ideas.
Nappies/wipes £30 - You should be able to include this in your grocery budget of £200 per month.
Clothing and footwear£200 - This is not a month :eek:
Hair dressing £15 -
TOTAL £ 903.50

DEBT
overdraft--- £ 1601.40
credit card1 --£950
credit card2 --£1800
store cards --£750
ccj --£1600 currently stopped re payments 4 months ago
total-- £6701.400:eek:

Above is where my money goes every month

I am single parent to 3 children ages ranging from 7yrs to 3 and currently 7 months pregnant.

I cannot cope with my debts on my benefit which i solely relay on, i had enough of he stress of the phonecalls so i contacted the cccs only appt availible is 3 weeks! :eek: I think my only option is bankruptcy

I dont know what to write other than what will i expect from cccs??

Thanks in advance
s x

Welcome to the board, I think you may have made an error in your SOA regarding the clothing budget, I don't see bankruptcy as your only option, please amend your soa and I will look at it again in a mo, I need to check on my son.

Merlot.x.

OliveOyl_2

scjs2008 wrote: »

INCOME
child benfit £43.30 This must be weekly? Are all your figures per week?
income support £ 60.50
ctc £122.99
Total income £907.16

OUTGOINGS

Rent/Water rates £48-inc arrears payments
Council tax £16 (this is arrears) housing benefit pays my full rent and this yrs c/tax
Gas £45 Is this a pre-pay meter? Does it cover cooking & heating? If so:
Electric £45 If this doesn't heat or cook for you then there must be ways of cutting this back - unless you have arrears?
contents ins £11
Telephone bt landline £13.50 dd mpp
sky £21
AOL £10
school trip fund £6
tv license £15 Mine is £11 per month.....
mobile contract £24
daughters swimming £15
Playgroup £64
Bus /travel £25
Food/toiletry/ £300
Nappies/wipes £30
Clothing and footwear£200
Hair dressing £15
TOTAL £ 903.50

DEBT
overdraft--- £ 1601.40
credit card1 --£950 please can we have the APR's on these 3?
credit card2 --£1800
store cards --£750
ccj --£1600 currently stopped re payments 4 months ago
total-- £6701.400:eek:

Above is where my money goes every month

I am single parent to 3 children ages ranging from 7yrs to 3 and currently 7 months pregnant.

I cannot cope with my debts on my benefit which i solely relay on, i had enough of he stress of the phonecalls so i contacted the cccs only appt availible is 3 weeks! :eek: I think my only option is bankruptcy

I dont know what to write other than what will i expect from cccs??

Thanks in advance
s x

Hugs for you hun. It's tough enough on your own without these money worries.

Have you checked that you're getting all the benefits you are due?

And the childrens Dad? Where is he, and more importantly his contribution?

Other people will be along and will make their comments I'm sure (and probably wiser than mine anyway :rotfl: ) but it is very quiet on the boards at the moment and I didn't want you to feel ignored.

scjs2008

I have spent 3oo on clothes this month as having 3 kids and a baby to buy for
child one- needed school shoes and uniform p.e kit school coat rucksack plus underwear and winter clothing- my self needed new shoes due to preggy swelling - also new swimming costumes were needed plus items need to be bought for the baby it really has all added up and i know next month child 2 and 3 will need winter clothing and shoes plus my ever growing waistband needs clothing i really have been tru in this soa

scjs2008

daddy is not in the picture left as soon as he found out he was expecting a 4th child and i dont know where he is to this day ...

Merlot

Ok, you needed £300 this month to spend on clothing, but not every month, the CCCS will not allow this if they suggest to you a Debt Management plan.

You can repay these debts back, you need to reduce your spending on the Sky, Mobile, Food by £100, clothing by £250 and thats almost £400 per month to use towards your debts, and of course when the new baby arrives you will be entitled to more benefit, do not buy new clothes for any of your children, try E-Bay, or the charity shops, I would personally buy them brand new shoes and underwear.

You can do this.

Merlot.x.

scjs2008

There are no free play groups around here i wish here was and believe me i have looked high and low ..its £16 a week per 2 children on 2 afternoon sessions no local dunding availible have ryed and been told i have missed the dead line everyime..........

regarding sky and my mobile im locked into a contract and cant get out of them for around 12 months.....

regarding gas and leccy this is what swalec charge me on a monthly direct debit no arrears just so dam high!!

I have tryed to reduce my shopping but time i get all toiletries/meats etc i do relay on a lot of convience food due to back problems and not being able to stand cook proper meals allthough i do do it just not as often as most..

Ossireo

scjs2008 wrote: »

I have spent 3oo on clothes this month as having 3 kids and a baby to buy for
child one- needed school shoes and uniform p.e kit school coat rucksack plus underwear and winter clothing- my self needed new shoes due to preggy swelling - also new swimming costumes were needed plus items need to be bought for the baby it really has all added up and i know next month child 2 and 3 will need winter clothing and shoes plus my ever growing waistband needs clothing i really have been tru in this soa

Have you tried looking at Tesco/George Value ranges for kids clothes? I don't think I have spent £200 in a year for me and 1 child, so I am struggling to see how you can really not cut back on £2400 a year on clothes :undecided

scjs2008

you know i do buy on ebay but time the postage adds up i may as well get new in some shops.....

the kids just always seem to need clothes they ruin them they come in prom the garden and i could just cry ..as i see grass stain or rips on them tryed putting them in pjs in the day but then got accused of living like a slob not dressing my children i mean i cud cry...shoes i do always get from clarks as my children have large wide feet if i cud keep them in wellies i would!!

scjs2008

I only have a asda i have tryed to get like hardwearing jeans but they just dont fo the kids i mean i dont spend that every mnoth just the next week few month my expenditure on clothes maybe a bit more due to baby and shoes and my expanding waistband and school uniforms and need of winter clothing good warm coats that will last had a look at coats in asda today and they were 20 pounds!!

---

i really dont want to make iit look like im making excuses as im not i really want to get my life on track

Merlot

I am not judging you on the clothes, we are not here to do that, we are here to help, alot of us on this board have children and we do not spend so much on clothes each month, I personally spend £20/25 per month on two children.

Grass stains....top tip alert....as soon as you notice it, take it off the child, and put neat washing up liquid on the stain and then wash it in the machine with the other things and it will be removed. Another tip, tomato ketchup, bolognese sauce etc which nothing shifts...simply wash in it in the machine and put it on the washing line with the stain facing the sun and I promise you within a few hours of sunshine, the stain will no longer be there.

Tesco is great for clothes and good prices too, but don't discount charity shops they can offer some great bargains, and if your children are out playing put them in old old clothes, it doesn't matter what anyone says they are out playing and children get dirty and they will damage there clothes.

Honestly, you do not need to be spending this kind of money on clothes.

Merlot.x.