soa advice please

raradel

Hi I was made BR on friday just gone but still waiting for OR telephone interview. On Bankruptcy petition I put 560 for groceries/housekeeping but I think this is may be seen as steep by OR. What do people think about my SOA - please be honest - I have Virgin TV but not included it as it obviously isnt allowed.
Thanks all xx

Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 2
Number of children in household......... 2
Number of cars owned.................... 1


Monthly Income Details
Monthly income after tax................ 266
Partners monthly income after tax....... 1236
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 1502


Monthly Expense Details
Mortgage................................ 0
Secured loan repayments................. 0
Hire Purchase (HP) repayments........... 0
Rent.................................... 392
Management charge (leasehold property).. 0
Council tax............................. 100
Electricity............................. 81
Gas..................................... 90
Oil..................................... 0
Water rates............................. 0 (included in rent)
Telephone (land line)................... 15
Mobile phone............................ 20
TV Licence.............................. 12
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 560
Clothing................................ 60
Petrol/diesel........................... 30
Road tax................................ 15
Car Insurance........................... 33
Car maintenance (including MOT)......... 10
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 40
Medical (prescriptions, dentist etc).... 24
Pet insurance/vet bills................. 0 (we do have pet insurance but is it allowed)
Buildings insurance..................... 0
Contents insurance...................... 0
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 10
Entertainment........................... 0
Holiday................................. 10
Emergency fund.......................... 0
Total monthly expenses.................. 1502

Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 3000
Other assets............................ 0
Total Assets............................ 3000



Monthly Budget Summary
Total monthly income.................... 1,502
Expenses (including HP & secured debts). 1,502
Available for debt repayments........... 0
Monthly UNsecured debt repayments....... 0
Amount left after debt repayments....... 0
Personal Balance Sheet Summary
Total assets (things you own)........... 3,000
Total HP & Secured debt................. -0
Total Unsecured debt.................... -0
Net Assets.............................. 3,000

Created using the SOA calculator at www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission, using IE browser.

Zandytobedebtfree

If you are already BR, then the OR already has these details, so can't really make any adjustments.

As to Pet Insurance, yes this allowed, but you may have needed to provide evidence!

Hope your OR Interview goes well. Let us know

All the best.

Deep_In_Debt

I've just skimmed it so I might get slated for this but your electricity and gas seem very high - can you reduce this? Try Quidco and get cash back for comparison sites.

raradel

Deep_In_Debt wrote: »

I've just skimmed it so I might get slated for this but your electricity and gas seem very high - can you reduce this? Try Quidco and get cash back for comparison sites.

Your totally right - tried to switch to other company just after christmas but they wanted £212 deposit (which we would get back after a year) due to credit rating, so never bothered switching. (thank you for quidco though will give it a look)

raradel

Zandytobedebtfree wrote: »

If you are already BR, then the OR already has these details, so can't really make any adjustments.

I thought as much but I just wanted to be ready if s/he questioned it. It does basically cover other costs like internet/pet ins and cable tv but presumably I cant tell OR this.

lisamummytoarchieplusbump

i know its abit late but heres what i would have suggested as you say you think the OR may drop the food/gas/elec down.

Monthly Expense Details
Mortgage................................ 0
Secured loan repayments................. 0
Hire Purchase (HP) repayments........... 0
Rent.................................... 392
Management charge (leasehold property).. 0
Council tax............................. 100
Electricity............................. 81 70
Gas..................................... 90 70
Oil..................................... 0
Water rates............................. 0 (included in rent)
Telephone (land line)................... 15 30
Mobile phone............................ 20 30
TV Licence.............................. 12
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 560 500
Clothing................................ 60
Petrol/diesel........................... 30 you only spend 30?
Road tax................................ 15
Car Insurance........................... 33 35
Car maintenance (including MOT)......... 10
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 40
Medical (prescriptions, dentist etc).... 24
Pet insurance/vet bills................. 0 20
Buildings insurance..................... 0
Contents insurance...................... 0 20
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 10 30
Entertainment........................... 0
Holiday................................. 10 60
Emergency fund.......................... 0
Total monthly expenses.................. 1502

Cash_Waster

Zandytobedebtfree wrote: »

If you are already BR, then the OR already has these details, so can't really make any adjustments.

As to Pet Insurance, yes this allowed, but you may have needed to provide evidence!

Hope your OR Interview goes well. Let us know

All the best.

I did.

We put in SOA's for BR, then sent a new joint one to the OR on what to base my IVP on and it worked