SOA Help Please - in court on Monday

Puzzledbubbles

jellygirl wrote: »

Hope all goes well Monday for you - Im also doing the deed Monday too:)

Thanks Jelly Girl, im sending good luck your way!!!!

Are you going to a timed appointment or does your court operate a walk in system?

I have an appointment at 9am - but in order to get there i have to catch the 7am bus - oh joy, i now need to start worrying about missing the bus too lol

DON79

Get yourself to bed puzzledbubbles and try get some rest! you will probably need to try catch up on sleep tonight as you may not sleep a wink tomorrow night! And best wishes for Monday!

For you too Jellygirl.

Donna

fiveyearplan

I still think your utilities split 3 ways are low. You need to make sure you maximise your allowances to you can have a reasonable standard of living without credit. Make sure you up your housekeeping/groceries to at least £250 because I'm sure there are lots of little bits and pieces that you are leaving out etc.

Good luck on Monday.

tigerfeet2006

Puzzledbubbles wrote: »

Hi Again,

Ive done the SOA and posted below, this is based on my post bankruptcy status so has no debt etc included.

Thanks

Puzzled

Statement of Affairs and Personal Balance Sheet
Monthly Income Details
Monthly income after tax................ 1075 - this is my average wage including bonus - before bonus its 1048 but i keep being told im due a pay rise
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 1075
Monthly Expense Details
Mortgage................................ 0
Secured loan repayments................. 0
Hire Purchase (HP) repayments........... 0
Rent.................................... 250
Management charge (leasehold property).. 0
Council tax............................. 0
Electricity............................. 14 up this
Gas..................................... 7 up this
Oil..................................... 0
Water rates............................. 0
Telephone (land line)................... 0
Mobile phone............................ 30
TV Licence.............................. 5
Satellite/Cable TV...................... 0
Internet Services....................... 7 put under phone
Groceries etc. ......................... 150 £200
Clothing................................ 20 £40/50
Petrol/diesel........................... 0
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 100
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 0 £20
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 0 You need to get this asap, especially if you are bankrupt and make sure it has accidental damage. £20
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 10 leave in, some allow, some don't.
Haircuts................................ 10
Entertainment........................... 100 not allowed but maybe try for £20. Nothing ventured.
Holiday................................. 0 £30
Emergency fund.......................... 0
Total monthly expenses.................. 703

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

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

Monthly Budget Summary
Total monthly income.................... 1,075
Expenses (including HP & secured debts). 703
Available for debt repayments........... 372
Monthly UNsecured debt repayments....... 0
Amount left after debt repayments....... 372
Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -0
Total Unsecured debt.................... -0
Net Assets.............................. 0
Created using the SOA calculator at www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission, using IE browser.

Are you in a professional job that requires suit? Dry cleaning £10. Do you pay professional/union fees?

Hope that helps a bit.

Puzzledbubbles

Thanks you for the advice Tiger feet!

Should i just re-do the SOA and print it out and insert it as an extra sheet? stating that i have re-assessed everything due to not having a vehicle and after going through all statements with a fine tooth comb?

Guessing i could say that i hadnt had my winter gas and electric bills when i did the form so they were based on summer figures?

Thanks again everyone

Puzzled x

Puzzledbubbles

shameless bump of my own thread - should i do a new soa and include it as an extra sheet?

xxxxx

Puzzledbubbles

Hi again,

I know im getting annoying now - but ive decided to re-do my figures and print it out to take with me. New SOA below, any comments greatly recieved!!!!

Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 1
Number of children in household.........
Number of cars owned....................
Monthly Income Details
Monthly income after tax................ 1075
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 1075
Monthly Expense Details
Mortgage................................ 0
Secured loan repayments................. 0
Hire Purchase (HP) repayments........... 0
Rent.................................... 250
Management charge (leasehold property).. 0
Council tax............................. 0
Electricity............................. 30
Gas..................................... 15
Oil..................................... 0
Water rates............................. 0
Telephone (land line)................... 0
Mobile phone............................ 37
TV Licence.............................. 12
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 250
Clothing................................ 30
Petrol/diesel........................... 0
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 100
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 20
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 20
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 10
Haircuts................................ 10
Entertainment........................... 20
Holiday................................. 30
Emergency fund.......................... 0
Total monthly expenses.................. 834

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

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

Monthly Budget Summary
Total monthly income.................... 1,075
Expenses (including HP & secured debts). 834
Available for debt repayments........... 241
Monthly UNsecured debt repayments....... 0
Amount left after debt repayments....... 241
Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -0
Total Unsecured debt.................... -0
Net Assets.............................. 0
Created using the SOA calculator at www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission, using IE browser.

Now my next question is - can i put the money that i should have every month for electricity, gas, presents etc into a savings account or am i best taking it out in cash and then saving it in a sealed tin?

Are we allowed savings when we are bankrupt? - If so, how much can we have?

Puzzled

Cash_Waster

Puzzledbubbles wrote: »

Hi again,

I know im getting annoying now - but ive decided to re-do my figures and print it out to take with me. New SOA below, any comments greatly recieved!!!!

Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 1
Number of children in household.........
Number of cars owned....................
Monthly Income Details
Monthly income after tax................ 1075
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 1075
Monthly Expense Details
Mortgage................................ 0
Secured loan repayments................. 0
Hire Purchase (HP) repayments........... 0
Rent.................................... 250
Management charge (leasehold property).. 0
Council tax............................. 0
Electricity............................. 30 £20
Gas..................................... 15 £20
Oil..................................... 0
Water rates............................. 0
Telephone (land line)................... 0
Mobile phone............................ 37 £40
TV Licence.............................. 12
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 250 I think you might get stung here £185 tops for 1 person
Clothing................................ 30 £40
Petrol/diesel........................... 0
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 100
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 20 £25
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 20 Surely nearer £30?
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 10
Haircuts................................ 10
Entertainment........................... 20
Holiday................................. 30 40
Emergency fund.......................... 0 40 I got this
Total monthly expenses.................. 834

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

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

Monthly Budget Summary
Total monthly income.................... 1,075
Expenses (including HP & secured debts). 834
Available for debt repayments........... 241
Monthly UNsecured debt repayments....... 0
Amount left after debt repayments....... 241
Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -0
Total Unsecured debt.................... -0
Net Assets.............................. 0
Created using the SOA calculator at www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission, using IE browser.

Now my next question is - can i put the money that i should have every month for electricity, gas, presents etc into a savings account or am i best taking it out in cash and then saving it in a sealed tin?

Are we allowed savings when we are bankrupt? - If so, how much can we have?

Puzzled

A few thoughts, always apply for entertainment and stuff

jellygirl_2

Puzzledbubbles wrote: »

Thanks Jelly Girl, im sending good luck your way!!!!

Are you going to a timed appointment or does your court operate a walk in system?

I have an appointment at 9am - but in order to get there i have to catch the 7am bus - oh joy, i now need to start worrying about missing the bus too lol

.
Hi. Mine is a walk in job - have booked this week off work so am going Monday to get it out of the way. Need to be there at 0950 for 10am. dont worry about missing the bus - chances are you will be awake at the crack of dawn like I will, making sure everything including me, is ready:)
Just think...this time tommorrow...all over...done:) Good luck:)

Puzzledbubbles

Thanks cash waster - ive amended as below

Jelly girl, im sooooo nervous, good luck to you!!! Hopefully by lunch time tomorrow we can both post that its over and done with and then just the OR interview to cope with.

Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 1
Number of children in household.........
Number of cars owned....................
Monthly Income Details
Monthly income after tax................ 1075
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 1075
Monthly Expense Details
Mortgage................................ 0
Secured loan repayments................. 0
Hire Purchase (HP) repayments........... 0
Rent.................................... 250
Management charge (leasehold property).. 0
Council tax............................. 0
Electricity............................. 20
Gas..................................... 20
Oil..................................... 0
Water rates............................. 0
Telephone (land line)................... 0
Mobile phone............................ 40
TV Licence.............................. 12
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 185
Clothing................................ 40
Petrol/diesel........................... 0
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 100
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 25
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 30
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 10
Haircuts................................ 10
Entertainment........................... 20
Holiday................................. 40
Emergency fund.......................... 40
Total monthly expenses.................. 842

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

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

Monthly Budget Summary
Total monthly income.................... 1,075
Expenses (including HP & secured debts). 842
Available for debt repayments........... 233
Monthly UNsecured debt repayments....... 0
Amount left after debt repayments....... 233
Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -0
Total Unsecured debt.................... -0
Net Assets.............................. 0
Created using the SOA calculator at www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission, using IE browser.