SOA ... Final look over please

tigerfeet2006

Hmm!! the thing is it is going to be difficult to increase some expenses if you have already submitted your SoA. Holiday's is a difficult one but I think you can justify groceries and possibly dry cleaning. Really how guaranteed is your overtime?

It would be better if you can get your income under £99 surplus then definatly no IPA. But if you do get one it will only be minimal and can be altered if your circumstances change or een suspended.

startagain_2

tigerfeet2006 wrote: »

Hmm!! the thing is it is going to be difficult to increase some expenses if you have already submitted your SoA. Holiday's is a difficult one but I think you can justify groceries and possibly dry cleaning. Really how guaranteed is your overtime?

It would be better if you can get your income under £99 surplus then definatly no IPA. But if you do get one it will only be minimal and can be altered if your circumstances change or een suspended.

The overtime is not guaranteed. I am a bit of a "jack of all trades" at work and get asked to work in different departments when they are busy or they are short staffed, I do it as an extra on top of my normal job.
Most people in the office just do their 7 hour shifts, 5 days a week .... I suppose I am a girl who just can't say No !

I will up the groceries - I am on a gluten free diet - I will say I underestimated the costs and also that I forgot my dry cleaning bill.
SA

philnicandamy

startagain wrote: »

The overtime is not guaranteed. I am a bit of a "jack of all trades" at work and get asked to work in different departments when they are busy or they are short staffed, I do it as an extra on top of my normal job.
Most people in the office just do their 7 hour shifts, 5 days a week .... I suppose I am a girl who just can't say No ! dont say that on here god knows what answers you'll get :rotfl: :rotfl:

I will up the groceries - I am on a gluten free diet - I will say I underestimated the costs and also that I forgot my dry cleaning bill.
SA

Ohhhhh if your on a gluten free diet i'd look at a little more (stuff aint cheap)....then see your GP & ask if they can provide evidence of your dietry needs

Marlowvian

Hiya,

There's certainly nothing unreasonable on there in my opinion.
My suggestions below in red

[quote=

Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 1
Number of children in household.........
Number of cars owned.................... 1
Monthly Income Details
Monthly income after tax................ 1130
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 1130
Monthly Expense Details
Mortgage................................ 0
Secured loan repayments................. 0
Hire Purchase (HP) repayments........... 0
Rent.................................... 360
Management charge (leasehold property).. 0
Council tax............................. 74
Electricity............................. 55 Take it up a bit if you can
Gas..................................... 0
Oil..................................... 0
Water rates............................. 20
Telephone (land line)................... 40
Mobile phone............................ 0 Do you not have one?
TV Licence.............................. 12
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 185 (including £5 for laundry - no WM) Try £200
Clothing................................ 30 Try £40, I was allowed it
Petrol/diesel........................... 120
Road tax................................ 11
Car Insurance........................... 27
Car maintenance (including MOT)......... 35
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 35 I was only allowed £20
Pet insurance/vet bills................. 10
Buildings insurance..................... 0
Contents insurance...................... 12 Take this up to £20
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 10
Haircuts................................ 10
Entertainment........................... 0
Holiday................................. 20
Emergency fund.......................... 0 Stick a tenner down, worth a try
Total monthly expenses.................. 1066

I have submitted £15 for prescriptions. Following a spine operation I have to take anti inflammitories and I also have a skin cream and anti-biotics on repeat prescription. Some months I get all 3, others none.
My OR "looked into" a prepayment certificate for me.... I already have one though.... it costs £11 per month. If you want me to give you the details no problem

[/quote]

Marlowvian

startagain wrote: »

I will up the groceries - I am on a gluten free diet - I will say I underestimated the costs and also that I forgot my dry cleaning bill.

This is something I forgot about that I could have used to my favour if I needed to.. Good old IBS has a bit of an upside

No baked beans for you then

mum2one

Noticed you have no internet costs, are they included in the phone, (apologies for a daft question).
Definately try adding £10 or even £20 a month for dry cleaning, the average suit price is £10 to be dry cleaned, so that would be 2 suits a month cleaned.

startagain_2

mum2one wrote: »

Noticed you have no internet costs, are they included in the phone, (apologies for a daft question).
Definately try adding £10 or even £20 a month for dry cleaning, the average suit price is £10 to be dry cleaned, so that would be 2 suits a month cleaned.

Hello mum2one,

One of my perks is free satellite and broadband. Not a daft qustion at all, I also have reduced landline calls so my mobile is lumped in with the phone at £40.
Will definitely up the groceries, and put in dry cleaning.
Marlowvian,
not only baked beans .... cabbage is a definite NO NO......

SA

dalip

Well for one i think you could increase your electric to at least £70 maybe even £80,,seeing as you have no gas.........well not the fuel type anyway:rotfl:

startagain_2

dalip wrote: »

Well for one i think you could increase your electric to at least £70 maybe even £80,,seeing as you have no gas.........well not the fuel type anyway:rotfl:

Thank God I live alone, huh!!

In respect of upping the electric, do they not ask for proof, i.e previous bills?

SA

dalip

I never got asked for proof of anything. As far as i know it is only if they think you utilities are excessive do they ask for proof.Dx