OR Interview Wednesday - SOA, comments please.

Sophrosyne

Income:
Wages (net): 390
Maternity Allowance: 507.78
Child Benefit: 81.46
Partner’s Contribution: 870
TOTAL: 1849.24

Rent: 650
Housekeeping: 350
Gas, electricity and heating: 100
Water: 53
Telephone: 50
Travel: 30
Clothing: 50
Council Tax: 112
Child Care: 304
Household insurance: 20
Union Fees: 8
Contingency: 20
TV Licence: 12

TOTAL: 1759
SURPLUS: 90.24
Any comments on amendments etc would be gratefully accepted.

Cheers,

Soph.x

Sophrosyne

Just thought I'd bump this... am trying to get everything sorted asap as I'm feeling pretty stressed. Please help.

DON79

Sophrosyne wrote: »

Income:
Wages (net): 390
Maternity Allowance: 507.78
Child Benefit: 81.46
Partner’s Contribution: 870
TOTAL: 1849.24

Rent: 650
Housekeeping: 350
Gas, electricity and heating: 100
Water: 53
Telephone: 50
Travel: 30
Clothing: 50
Council Tax: 112
Child Care: 304
Household insurance: 20 - accidental damage included?
Union Fees: 8
Contingency: 20 - change this to holiday and make it £50/£60.
TV Licence: 12

TOTAL: 1759
SURPLUS: 90.24
Any comments on amendments etc would be gratefully accepted.

Cheers,

Soph.x

Hi Soph, don't get stressed about it, you will be fine. it looks ok to me but am sure someone else may tweak it more for you. i would just check what i have put above. you are not allowed any emergency fund am afraid but you can put in for a holiday!

clanbailey

hiya what comes to mind which you dont have on there is haircuts £10 per adult £5 per child - do you have a car or pets?

Sophrosyne

No car or pets... had put 'contingency' to cover things like haircuts, birthday presents, etc. Seems ridiculous to allow for holidays (a luxury surely?!) and not an emergency fund.

DON79

Hi I know what you mean, an emergency allowance in case an appliance breaks down would be more sensible to my mind but they let you have a holiday! definitely put it on there anyway and list haircuts separately.

wallopadonkey

when your matenity pay finishes wil you be returning to work or staying off with little one

dalip

Sorry soph. Can i ask how many in the household?. Did you and OH go bc?

Give me that info and i will have another look!.Dx

Sophrosyne

Hi dalip,

There are 3 of us in the household, me, my partner and my 5 month old daughter. My OH is not BR and I want to keep him out of the proceedings as much as possible as I incurred the debts before we met. When my maternity pay finishes (could, in theory go on 'til the end of March), I will be looking to work 2 days per week, possibly 3 if the work is available.

dalip

Sophrosyne wrote: »

Income:
Wages (net): 390
Maternity Allowance: 507.78
Child Benefit: 81.46
Partner’s Contribution: 870
TOTAL: 1849.24

Rent: 650
Housekeeping: 350i would up this to £370
Gas, electricity and heating: 100
Water: 53
Telephone: 50£40
Travel: 30
Clothing: 50£40
Council Tax: 112
Child Care: 304
Household insurance: 20
Union Fees: 8
Contingency: 20just change to holiday
TV Licence: 12

TOTAL: 1759
SURPLUS: 90.24
Any comments on amendments etc would be gratefully accepted.

Cheers,

Soph.x

So i work that out as £90.24 surplus less CB of £81.46= surplus for IPA=£8.78

I have altered some things as you have to eat but you don't have to have new clothes every month or spend hours on the phone .lol You are on a fairly tight budget anyway. I am not sure if the OR actually asks that partners contribute more or not. Good luck with the interview.Dx

Sophrosyne

Cheers, will tweak it a little now. I only put clothes as high as it is because many people on here suggested that my original sum of £10-£15 was too small and kept encouraging me to up it. That said, the baby is growing at a pretty fast rate... suppose if I up housekeeping we can always spend some of the money in the weeks where we don't need laundry stuff on clothes. The phone bill is for mobile (which I need for work) and land-line, does that make a difference? Most of that is line rental not yackking!