Change SOA?

tillboy

Finally got my IPA questionnaire over the weekend :eek:

They've confirmed that they are capping my "rent" at £700 pm (mortgage is currently 1100) now here's the question, as they've effectively found £400 or so spare, can I tweak my figures a bit, not to take the **** but just to account for things I didn't include previously as there was no space in the budget... Thinking along the lines of shopping, holidays etc.

When I went BR I was on jobseekers allowance so monthly budget was somewhat theoretical based on what I was expecting to earn...

Also have been running a car which I need to travel for work, car belongs to my mother but I tax/insure it should I tell the OR and budget for this or try and keep it under the radar?

Any thoughts?

dalip

I filled in about 5/6 I&E forms and adjusted them accordingly. For example when i was on JSA i kept things to the bare minium,as i could not afford things like holidays and food bill was cut to the bare bones,. When i became re-employed i put the figures back up.


As for the car in order to get the allowances accepted you would need to tell the OR about the car.

Good luck with it. If you want you could always pop it on here and let us give it the once over.Dx

tillboy

dalip wrote: »

Good luck with it. If you want you could always pop it on here and let us give it the once over.Dx

This is what I've tweaked so far, am hoping on the basis that my £1100 mortgage has been knocked back by the OR they will be more lenient with other items:

Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 2
Number of children in household......... 1
Number of cars owned.................... 1
Monthly Income Details
Monthly income after tax................ 2270.98
Partners monthly income after tax....... 0
Benefits................................ 120
Other income............................ 0
Total monthly income.................... 2390.98
Monthly Expense Details
Mortgage................................ 700
Secured loan repayments................. 0
Hire Purchase (HP) repayments........... 0
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax............................. 120
Electricity............................. 75
Gas..................................... 75
Oil..................................... 0
Water rates............................. 45
Telephone (land line)................... 40
Mobile phone............................ 0
TV Licence.............................. 12
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 400
Clothing................................ 50
Petrol/diesel........................... 100
Road tax................................ 17
Car Insurance........................... 50
Car maintenance (including MOT)......... 10
Car parking............................. 0
Other travel............................ 200
Childcare/nursery....................... 0
Other child related expenses............ 40
Medical (prescriptions, dentist etc).... 25
Pet insurance/vet bills................. 25
Buildings insurance..................... 20
Contents insurance...................... 30
Life assurance ......................... 25
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 25
Entertainment........................... 0
Holiday................................. 50
Emergency fund.......................... 0
Total monthly expenses.................. 2134

fiveyearplan

Is any of the benefits made up of child benefit. If so list it separately , it cannot be used for assessing IPA.

How old is your child? If school age did you list school dinners?

tillboy

fiveyearplan wrote: »

Is any of the benefits made up of child benefit. If so list it separately , it cannot be used for assessing IPA.

How old is your child? If school age did you list school dinners?

Yes, benefits comprises Child benefi & Child tax credit

School dinners is the £40 child related expenses

fiveyearplan

You can also add one activity per week (not sure if its £5 or £10).

tillboy

fiveyearplan wrote: »

You can also add one activity per week (not sure if its £5 or £10).

Thanks, that will cover his swimming lessons :T

dalip

tillboy wrote: »

This is what I've tweaked so far, am hoping on the basis that my £1100 mortgage has been knocked back by the OR they will be more lenient with other items:

Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 2
Number of children in household......... 1
Number of cars owned.................... 1
Monthly Income Details
Monthly income after tax................ 2270.98
Partners monthly income after tax....... 0
Benefits................................ 120
Other income............................ 0
Total monthly income.................... 2390.98
Monthly Expense Details
Mortgage................................ 700
Secured loan repayments................. 0
Hire Purchase (HP) repayments........... 0
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax............................. 120
Electricity............................. 75*
Gas..................................... 75*
Oil..................................... 0
Water rates............................. 45
Telephone (land line)................... 40£60
Mobile phone............................ 0
TV Licence.............................. 12
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 400
Clothing................................ 50£80
Petrol/diesel........................... 100
Road tax................................ 17
Car Insurance........................... 50*
Car maintenance (including MOT)......... 10
Car parking............................. 0
Other travel............................ 200what is this?
Childcare/nursery....................... 0
Other child related expenses............ 40£5 per wk after school activity
Medical (prescriptions, dentist etc).... 25
Pet insurance/vet bills................. 25*
Buildings insurance..................... 20
Contents insurance...................... 30*
Life assurance ......................... 25
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 25
Entertainment........................... 0
Holiday................................. 50
Emergency fund.......................... 0
Total monthly expenses.................. 2134

OK have upped a couple of your expenses. There are some which the OR may cut back on,which i have put a small blue mark by,but leave them and see what happens. A lot depends on your OR. So my advise is in no way definate. Good luck with it.Dx

tillboy

ok, tweaked again. Not including car so as to not push my luck too much

Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 2
Number of children in household......... 1
Number of cars owned.................... 1
Monthly Income Details
Monthly income after tax................ 2270.98
Partners monthly income after tax....... 0
Benefits................................ 120
Other income............................ 0
Total monthly income.................... 2390.98
Monthly Expense Details
Mortgage................................ 700
Secured loan repayments................. 0
Hire Purchase (HP) repayments........... 0
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax............................. 120
Electricity............................. 75
Gas..................................... 75
Oil..................................... 0
Water rates............................. 45
Telephone (land line)................... 60
Mobile phone............................ 0
TV Licence.............................. 12
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 400
Clothing................................ 80
Petrol/diesel........................... 0
Road tax................................ 17
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 250
Childcare/nursery....................... 0
Other child related expenses............ 20
Medical (prescriptions, dentist etc).... 25
Pet insurance/vet bills................. 25
Buildings insurance..................... 20
Contents insurance...................... 30
Life assurance ......................... 25
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 25
Entertainment........................... 0
Holiday................................. 50
Emergency fund.......................... 0
Total monthly expenses.................. 2054

Other travel is train fares to work @£17pd/£55Pw

Child benefit is included in the total income so should be removed

Gas / Electricity are as billed (actual not estimated_

Just thinking, both of us wear glasses should I add something to prescriptions to cover that?

dalip

Yes add something for opticians, could also try for dry cleaning, another grey area but if you need smart clothes for work you might be able to argue it. The rest looks ok so go with and hope it all gets agreed.Dx

tillboy

dalip wrote: »

Yes add something for opticians, could also try for dry cleaning, another grey area but if you need smart clothes for work you might be able to argue it. The rest looks ok so go with and hope it all gets agreed.Dx

Thanks, will add something for opticians too, should bring the surplus below £249 a month then :T