soa please could you take a look.

leonlala

HI there everyone,
not been on for a while we have been saving our pennies for the big br day! now nearly there, court booked for next week.:j

please could you have alook at ins and outs.
many thanks,
lala XX
for me, partner, two children.

Income
wages, me £560
partner £615
working tax credit £79
Child tax credit £379
child benifit £125

Total £1758

Outgoings
rent £404
housekeeping £450
electric and solid fuels £110
water £32
telephone £40
travel £116 (I don't drive so patner has to do there and back to take me to work and then there and back to collect me.)
clothing £100
maintenance £0
council tax £129
other £291 as detailed below
( tv £12
car insurance £33
car tax £15
car service, mot, spares £75
hairdressing £26
pets £20
school/activites £30
professional fees/union £20
hoildays, bds £60)

total £1672
cheers lala

peachyprice

Hi lala, are you both going BR?

skylight

Lala - Hello there!

You can add in house insurance and life insurance. They are missing and vital! You are also usually allowed a small sum for family holidays but not for emergencys - odd, but thats the way! Other than that, it seems ok. The phone may be deemed a little excessive at £40pm though and perhaps the food may be reduced by the OR a touch.

But put in what you have and see how it goes - nothing looks too high really, but add on the small extras. Make it a tad higher and let the OR knock it down if neccessary.

As you have kids you really, really should have life insurance. And house insurance - these two should not be skimped on. Try Martins link on the main site page. There is a great comparison (broker) site (better than the usual confused.com etc places) and it works out a lot cheaper to pay the small broker fee upfront than extra in premiums.

leonlala

peachyprice wrote: »

Hi lala, are you both going BR?

hi Peachy
yes we are both going BR.

leonlala

skylight wrote: »

Lala - Hello there!


As you have kids you really, really should have life insurance. And house insurance - these two should not be skimped on. Try Martins link on the main site page. There is a great comparison (broker) site (better than the usual confused.com etc places) and it works out a lot cheaper to pay the small broker fee upfront than extra in premiums.

Thanks Skylight,
TBH we've never had house or life insurance as we've never been able to afford it. it's a good idea to look into it but as we don't have it at present i can't put it on the soa except to say that we will be looking into it.
cheers lala

tigerfeet2006

Lala get it done this week. Especially the house insurance which you can do with in an hour or less. Click on the insurance key at the top.of the page. It also doesn't take long to sort out a life insurance quote.

You also need to add an allowance for opticians, dentists and prescription.