Countdown less than 36hrs!!!!!! Last SOA and statement help, Please!!!

creditpunch

Hi all, D-day is on Thurs and because of work and son shoving objects in his ear requiring me to visit hospital, and a bereaved sister (the mother in-law:A ) I haven't had time to come on line and finalise my SOA till now.

I would appreciate any comments, please??!!??!!:eek: :eek: :eek:

Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 1
Number of children in household......... 1
Number of cars owned.................... 1
Monthly Income Details
Monthly income after tax................ 2429
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 77.6
Total monthly income.................... 2506.6
Monthly Expense Details
Mortgage................................ 0
Secured loan repayments................. 0
Hire Purchase (HP) repayments........... 0
Rent.................................... 600
Management charge (leasehold property).. 0
Council tax............................. 77
Electricity............................. 50
Gas..................................... 50
Oil..................................... 0
Water rates............................. 40
Telephone (land line)................... 60
Mobile phone............................ 0
TV Licence.............................. 12
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 300
Clothing................................ 100
Petrol/diesel........................... 220
Road tax................................ 16
Car Insurance........................... 60
Car maintenance (including MOT)......... 66
Car parking............................. 10
Other travel............................ 0
Childcare/nursery....................... 692
Other child related expenses............ 25
Medical (prescriptions, dentist etc).... 25
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 40
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 50
Entertainment........................... 0
Holiday................................. 40
Emergency fund.......................... 0
Dry Cleaning............................ 20
Total monthly expenses.................. 2553

Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 700
Other assets............................ 0
Total Assets............................ 700

No Secured nor Hire Purchase Debts
Unsecured Debts
Description....................Debt......Monthly...APR
Total unsecured debts..........0.........0.........-

Monthly Budget Summary
Total monthly income.................... 2,506.6
Expenses (including HP & secured debts). 2,553
Available for debt repayments........... -46.4
Monthly UNsecured debt repayments....... 0
Amount short for making debt repayments. -46.4
Personal Balance Sheet Summary
Total assets (things you own)........... 700
Total HP & Secured debt................. -0
Total Unsecured debt.................... -0
Net Assets.............................. 700
Created using the SOA calculator at www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission.

Thank you

deedee_3

creditpunch wrote: »

Hi all, D-day is on Thurs and because of work and son shoving objects in his ear requiring me to visit hospital, and a bereaved sister (the mother in-law:A ) I haven't had time to come on line and finalise my SOA till now.

I would appreciate any comments, please??!!??!!:eek: :eek: :eek:

Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 1
Number of children in household......... 1
Number of cars owned.................... 1
Monthly Income Details
Monthly income after tax................ 2429
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 77.6
Total monthly income.................... 2506.6
Monthly Expense Details
Mortgage................................ 0
Secured loan repayments................. 0
Hire Purchase (HP) repayments........... 0
Rent.................................... 600
Management charge (leasehold property).. 0
Council tax............................. 77
Electricity............................. 50
Gas..................................... 50
Oil..................................... 0
Water rates............................. 40
Telephone (land line)................... 60
Mobile phone............................ 0
TV Licence.............................. 12
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 300
Clothing................................ 100 might be a tadge high
Petrol/diesel........................... 220 make sure you keep reciepts to prove useage.
Road tax................................ 16
Car Insurance........................... 60 is this fully comp? Is there a reason it is this high?
Car maintenance (including MOT)......... 66 why is this so high?
Car parking............................. 10
Other travel............................ 0
Childcare/nursery....................... 692
Other child related expenses............ 25
Medical (prescriptions, dentist etc).... 25 £20
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 40 Does this include accidental damage? it is also very high, is there a reason for this?
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 50 £10 per adult £5 per child
Entertainment........................... 0
Holiday................................. 40
Emergency fund.......................... 0
Dry Cleaning............................ 20
Total monthly expenses.................. 2553

Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 700
Other assets............................ 0
Total Assets............................ 700

No Secured nor Hire Purchase Debts
Unsecured Debts
Description....................Debt......Monthly...APR
Total unsecured debts..........0.........0.........-

Monthly Budget Summary
Total monthly income.................... 2,506.6
Expenses (including HP & secured debts). 2,553
Available for debt repayments........... -46.4
Monthly UNsecured debt repayments....... 0
Amount short for making debt repayments. -46.4
Personal Balance Sheet Summary
Total assets (things you own)........... 700
Total HP & Secured debt................. -0
Total Unsecured debt.................... -0
Net Assets.............................. 700
Created using the SOA calculator at www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission.

Thank you

Hope that helps you a little.

DON79

creditpunch wrote: »

.

I would appreciate any comments, please??!!??!!:eek: :eek: :eek:

Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 1
Number of children in household......... 1
Number of cars owned.................... 1
Monthly Income Details
Monthly income after tax................ 2429
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 77.6
Total monthly income.................... 2506.6
Monthly Expense Details
Mortgage................................ 0
Secured loan repayments................. 0
Hire Purchase (HP) repayments........... 0
Rent.................................... 600
Management charge (leasehold property).. 0
Council tax............................. 77
Electricity............................. 50
Gas..................................... 50
Oil..................................... 0
Water rates............................. 40
Telephone (land line)................... 60
Mobile phone............................ 0
TV Licence.............................. 12
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 300
Clothing................................ 100
Petrol/diesel........................... 220 - keep receipts to confirm expenses
Road tax................................ 16
Car Insurance........................... 60
Car maintenance (including MOT)......... 66
Car parking............................. 10
Other travel............................ 0
Childcare/nursery....................... 692
Other child related expenses............ 25
Medical (prescriptions, dentist etc).... 25
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 40 - make sure accidental damage cover included
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 50 - £10 per adult and £5 per child only allowed so may get cut back.
Entertainment........................... 0
Holiday................................. 40 - could increase by £10
Emergency fund.......................... 0
Dry Cleaning............................ 20
Total monthly expenses.................. 2553

have made some notes for you CP, hope it helps.

Was thinking that it would soon be the time for you. Hope that it all goes really well for you.

Can sympathise with the son sticking something in his ear. I am pretty certain my one and a half year old stuck something up his nose this week! :eek: but I couldn't see it so goodness knows what happened to it! :rolleyes: :rotfl:

Donna

DON79

Deedee you are definitely more clued up than me about this! I think I need more experience!

deedee_3

Donna you are doing a great job. I have read a lot of your posts and thought well there's nothing needed to be added there.

The more you see of SOA's the more you will see things stand out. I was lucky (depending on how you look at it ) I had a b@stard of an examiner and eventually dealt with the OR, so know how some of their braincells work.

So_Sad_Angel

Hi, your telephone/landline is high at £60pm.....I would consider spiltting this between telephone & personal mobile to make more acceptable. Also car maintenance seems high at £66 pm that`s £800 a year...is that right?? Also contents insuance & haircut may need reduction but defo increase holiday to £50.

Otherwise looking ok.

Good Luck to you,

Angexx

creditpunch

Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 1
Number of children in household......... 1
Number of cars owned.................... 1
Monthly Income Details
Monthly income after tax................ 2429
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 77.6
Total monthly income.................... 2506.6
Monthly Expense Details
Mortgage................................ 0
Secured loan repayments................. 0
Hire Purchase (HP) repayments........... 0
Rent.................................... 600
Management charge (leasehold property).. 0
Council tax............................. 77
Electricity............................. 50
Gas..................................... 50
Oil..................................... 0
Water rates............................. 40
Telephone (land line)................... 45
Mobile phone............................ 15
TV Licence.............................. 12
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 300
Clothing................................ 100
Petrol/diesel........................... 150
Road tax................................ 16
Car Insurance........................... 60
Car maintenance (including MOT)......... 30
Car parking............................. 10
Other travel............................ 0
Childcare/nursery....................... 692
Other child related expenses............ 25
Medical (prescriptions, dentist etc).... 25
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 25
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 50
Entertainment........................... 0
Holiday................................. 50
Emergency fund.......................... 0
Dry Cleaning............................ 20
Total monthly expenses.................. 2442

Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 700
Other assets............................ 0
Total Assets............................ 700

No Secured nor Hire Purchase Debts
Unsecured Debts
Description....................Debt......Monthly...APR
Total unsecured debts..........0.........0.........-

Monthly Budget Summary
Total monthly income.................... 2,506.6
Expenses (including HP & secured debts). 2,442
Available for debt repayments........... 64.6
Monthly UNsecured debt repayments....... 0
Amount left after debt repayments....... 64.6
Personal Balance Sheet Summary
Total assets (things you own)........... 700
Total HP & Secured debt................. -0
Total Unsecured debt.................... -0
Net Assets.............................. 700
Created using the SOA calculator at www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission.

Thanks guys here's the updated version. Whats the psycology of the OR interview I put the £50 for haircuts so that they will focus on that one point and labour it forgeting about anything else.....ok ok have been reading a lot of Darren Brown books but worth a go no?

My insure is that high 750 renewal and 50 for breakdown I have proof will the OR accept do you think??

deedee_3

That is a lot better. They won't concentrate on one thing more than anything else. They will just say too high and cut it. You could put hairdressing down to £15 and up housekeeping to £350, that is less likely to be cut.

dalip

Yes i am with dee on this one. Better to cut "non" essentials and up essentials,than for them to just cut back. They almost certainly will not up figures,even if they think they are on th low side:rolleyes: .DX

peachyprice

And remember your surplus can be £99 + £77 before they can take an IPA;)

JennyGiraffe

Sorry, what does £99 + £77 mean? Why not just £176??