Joint SOA for BR Forms

Reevesie76

Hubby and I have our BR date for next monday, i am nearly finished with completing our forms, but wondered if you could cast your eye over our SOA for me please.

Monthly Income 995
Hubby's Monthly Income 1,050
Total monthly income 2,045

Mortgage 791
Secured loan repayments 393
Council tax 138
Electricity 20
Gas 45
Water rates 25
Telephone (land line) 10
Mobile phone 45
TV Licence 12
Satellite/Cable TV 22
Internet Services 17
Groceries etc (2 adults & 1 cat) 200
Clothing (£10 each adult) 20
Petrol/diesel 50
Pet insurance/vet bills
Buildings insurance 11
Contents insurance 11
Haircuts 10
Car HP Finance 207

Total monthly expenses 2,027

I do have a small photography business, but wasnt sure what to put in the extra income section as from my accounts last year I made a small loss so I was hoping that the OR would be able to help with that.

The reason I haven't put anything for car tax, insurance etc is because my business pays for that and the above is just a personal one, again I wasn't sure how to work it all out.

I have left my car HP on there as I do need a car otherwise I cannot run my photography business but am quite expecting the HP company to take it back, although goodness knows what I will do then as I wont have any money to buy a second hand one.

Any help on the above would be appreciated.

Thanks

tigerfeet2006

You could stop paying the HP on the car for a couple of months and then buy a cheap runaround from Ebay or Autotrader. We have just picked up a Previa with 12 months tax and mot for £500 off Ebay.

You will need to do 2 seperate SoA's. On each you put the full joint household bills ie mortgage, utilities. Then you put personal expenses ie hair and mobile.

Then you put your full wage and your OH contribution to the joint bills and on his you put his full wage and your contribution to the joint expenses.