My Updated SOA please would you mind checking this before I call BR dept at CCCS?

Bluebelle72

Hi there, My OH is going BR and the following is his SOA would you mind checking it over for me please? I'm about to call the BR dept of CCCS so we can set the ball rolling. Thank you all for your excellent advice of the past few weeks I don't know what we would have done without you all. :beer:
I will keep you posted on our progress.

Statement of Affairs and Personal Balance Sheet

Household Information
Number of adults in household........... 2
Number of children in household......... 3
Number of cars owned.................... 1

Monthly Income Details
Monthly income after tax................ 1495
Partners monthly income after tax....... 0
Benefits................................ 300 (I have put this as benefits, it's my contribution, out of my CTC and CB.)
Other income............................ 0
Total monthly income.................... 1795

Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 400
Management charge (leasehold property).. 0
Council tax............................. 110
Electricity............................. 70
Gas..................................... 80
Oil..................................... 0
Water rates............................. 40
Telephone (land line)................... 60
Mobile phone............................ 0
TV Licence.............................. 12
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 570
Clothing................................ 150
Petrol/diesel........................... 90
Road tax................................ 15
Car Insurance........................... 30
Car maintenance (including MOT)......... 30
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 50
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 10
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 20
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 35
Entertainment........................... 0
Holiday................................. 60
Emergency fund.......................... 0
Total monthly expenses.................. 1832


Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 900
Other assets............................ 0
Total Assets............................ 900

No Secured nor Hire Purchase Debts

Unsecured Debts
Description....................Debt......Monthly...APR
Total unsecured debts..........0.........0.........-


Monthly Budget Summary
Total monthly income.................... 1,795
Expenses (including HP & secured debts). 1,832
Available for debt repayments........... -37
Monthly UNsecured debt repayments....... 0
Amount short for making debt repayments. -37

Personal Balance Sheet Summary
Total assets (things you own)........... 900
Total HP & Secured debt................. -0
Total Unsecured debt.................... -0
Net Assets.............................. 900

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

Thank you for taking the time to look this over. :beer::beer:

dalip

Looks good to me but make sure cccs are aware that your contribution is made up of CB and WTC. Good luck.Dx

Bluebelle72

dalip wrote: »

Looks good to me but make sure cccs are aware that your contribution is made up of CB and WTC. Good luck.Dx

Thanks dalip, you're a star! :kisses:

dalip

No worries :olet us know how you get on.Dx

RAS

Bluebelle72 wrote: »

Hi there, My OH is going BR and the following is his SOA would you mind checking it over for me please? I'm about to call the BR dept of CCCS so we can set the ball rolling. Thank you all for your excellent advice of the past few weeks I don't know what we would have done without you all. :beer:
I will keep you posted on our progress.

Statement of Affairs and Personal Balance Sheet

Household Information
Number of adults in household........... 2
Number of children in household......... 3
Number of cars owned.................... 1

Monthly Income Details
Monthly income after tax................ 1495
Partners monthly income after tax....... 0
Benefits................................ 300 (I have put this as benefits, it's my contribution, out of my CTC and CB.)
Other income............................ 0
Total monthly income.................... 1795

Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 400 - is this half your renbt?
Management charge (leasehold property).. 0
Council tax............................. 110 ditto
Electricity............................. 70 ditto
Gas..................................... 80 - ditto
Oil..................................... 0
Water rates............................. 40
Telephone (land line)................... 60 -
Mobile phone............................ 0
TV Licence.............................. 12
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 570
Clothing................................ 150
Petrol/diesel........................... 90
Road tax................................ 15
Car Insurance........................... 30
Car maintenance (including MOT)......... 30
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 50
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 10
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 20
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 35
Entertainment........................... 0
Holiday................................. 60
Emergency fund.......................... 0
Total monthly expenses.................. 1832


Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 900
Other assets............................ 0
Total Assets............................ 900

No Secured nor Hire Purchase Debts

Unsecured Debts
Description....................Debt......Monthly...APR
Total unsecured debts..........0.........0.........-


Monthly Budget Summary
Total monthly income.................... 1,795
Expenses (including HP & secured debts). 1,832
Available for debt repayments........... -37
Monthly UNsecured debt repayments....... 0
Amount short for making debt repayments. -37

Personal Balance Sheet Summary
Total assets (things you own)........... 900
Total HP & Secured debt................. -0
Total Unsecured debt.................... -0
Net Assets.............................. 900

Looking at this with a non-br head (re your utilities query), you need to put your full income and then pro-rata the expenditure, between the two of you.

You cannot put all the expenditure in Oh's name and not allocate a proportion of the income.

From a DFW perspective, your spends are very high but do not have tie to do this tonight.

dalip

No Ras as it is blueblell's OH that is going bc and not her, she only has to put her contribution to household expenses. If CB and CTC is in her name,then she does not have to put the full amount. I took it that bluebell does not work and is not going bc. If thats is wrong then we need to know.Dx