Could SOA experts please check?

Holes_in_my_pocket

no expert but maybe 66% your contribution to bill and 33% for wife as her income is 2/3rds yours

EnslavedByDebts

Northernmonkey, if you put up an a joint soa i will try to put soa up on what dalip said for you but i need to know the exact monthly expenses that you pay out what is yours (personal stuff) and what stuff is your wifes (personal stuff)

EBD

EnslavedByDebts

I think this is what Dalip was talking about.

Your SOA

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................ 2021
Partners monthly income after tax....... 260
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 2281
Monthly Expense Details
Mortgage................................ 383
Secured/HP loan repayments.............. 0
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax............................. 120
Electricity............................. 54
Gas..................................... 35
Oil..................................... 0
Water rates............................. 50
Telephone (land line)................... 28
Mobile phone............................ 40
TV Licence.............................. 12
Satellite/Cable TV...................... 65
Internet Services....................... 10
Groceries etc. ......................... 450
Clothing................................ 30
Petrol/diesel........................... 50
Road tax................................ 20
Car Insurance........................... 31
Car maintenance (including MOT)......... 50
Car parking............................. 10
Other travel............................ 0
Childcare/nursery....................... 200
Other child related expenses............ 150
Medical (prescriptions, dentist etc).... 50
Pet insurance/vet bills................. 20
Buildings insurance..................... 14
Contents insurance...................... 14
Life assurance ......................... 20
Other insurance......................... 0
Presents (birthday, christmas etc)...... 20
Haircuts................................ 25
Entertainment........................... 50
Holiday................................. 30
Emergency fund.......................... 30
Total monthly expenses.................. 2011

Monthly Budget Summary[/b]
Total monthly income.................... 2,281
Expenses (including HP & secured debts). 2,061
Available for debt repayments........... 220
Monthly UNsecured debt repayments....... 0
Amount left after debt repayments....... 220

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

Your Partners SOA

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................ 770
Partners monthly income after tax....... 1350
Benefits................................ 80
Other income............................ 10
Total monthly income.................... 2210
Monthly Expense Details
Mortgage................................ 383
Secured/HP loan repayments.............. 0
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax............................. 120
Electricity............................. 54
Gas..................................... 35
Oil..................................... 0
Water rates............................. 50
Telephone (land line)................... 28
Mobile phone............................ 40
TV Licence.............................. 12
Satellite/Cable TV...................... 65
Internet Services....................... 10
Groceries etc. ......................... 450
Clothing................................ 50
Petrol/diesel........................... 0
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 200
Other child related expenses............ 150
Medical (prescriptions, dentist etc).... 20
Pet insurance/vet bills................. 20
Buildings insurance..................... 14
Contents insurance...................... 14
Life assurance ......................... 20
Other insurance......................... 0
Presents (birthday, christmas etc)...... 20
Haircuts................................ 25
Entertainment........................... 50
Holiday................................. 30
Emergency fund.......................... 30
Total monthly expenses.................. 1890

Monthly Budget Summary[/b]
Total monthly income.................... 2,210
Expenses (including HP & secured debts). 1,890
Available for debt repayments........... 320
Monthly UNsecured debt repayments....... 0
Amount left after debt repayments....... 320

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

As you can see it is going to give you huge surplus especially when you take out things you can't have such as Satalite tv and internet etc.

I maybe wrong but i think it is right, others may be able to help further

northernmonkey0_0

ok, thanks for that. When I get home, I'll do another with our joint wages and total expenditure.

I'm still having trouble working out these figures, hopefully I'll have a better idea when I post new soa and you may be able to tell me what sort of figure I'd be looking at paying OR. I'm also gonna ring cccs again.

Could you keep your eye open on this thread for me later on? Many thanks.

EnslavedByDebts

Hi Northernmonkey,

if i get online tonight i will keep an eye out if not i will check tomorrow morning.

In the mean time someone with more experience maybe able to guide you further.

EBD

dalip

EnslavedByDebts wrote: »

I think this is what Dalip was talking about.

Your SOA

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................ 2021
Partners monthly income after tax....... 260
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 2281
Monthly Expense Details
Mortgage................................ 383
Secured/HP loan repayments.............. 0
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax............................. 120
Electricity............................. 54£70
Gas..................................... 35£60
Oil..................................... 0
Water rates............................. 50
Telephone (land line)................... 28
Mobile phone............................ 40put mobile in with landline and make it £60
TV Licence.............................. 12
Satellite/Cable TV...................... 65not allowed
Internet Services....................... 10unless needed for work.not allowed
Groceries etc. ......................... 450
Clothing................................ 30£70
Petrol/diesel........................... 50low?
Road tax................................ 20
Car Insurance........................... 31
Car maintenance (including MOT)......... 50
Car parking............................. 10
Other travel............................ 0
Childcare/nursery....................... 200
Other child related expenses............ 150
Medical (prescriptions, dentist etc).... 50£30max
Pet insurance/vet bills................. 20
Buildings insurance..................... 14
Contents insurance...................... 14£20
Life assurance ......................... 20
Other insurance......................... 0
Presents (birthday, christmas etc)...... 20
Haircuts................................ 25
Entertainment........................... 50not alowed
Holiday................................. 30£60
Emergency fund.......................... 30
Total monthly expenses.................. 2011

Monthly Budget Summary[/b]
Total monthly income.................... 2,281
Expenses (including HP & secured debts). 2,061
Available for debt repayments........... 220
Monthly UNsecured debt repayments....... 0
Amount left after debt repayments....... 220

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

Your Partners SOA

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................ 770
Partners monthly income after tax....... 1350
Benefits................................ 80
Other income............................ 10
Total monthly income.................... 2210
Monthly Expense Details
Mortgage................................ 383
Secured/HP loan repayments.............. 0
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax............................. 120
Electricity............................. 54
Gas..................................... 35
Oil..................................... 0
Water rates............................. 50
Telephone (land line)................... 28
Mobile phone............................ 40
TV Licence.............................. 12
Satellite/Cable TV...................... 65
Internet Services....................... 10
Groceries etc. ......................... 450
Clothing................................ 50
Petrol/diesel........................... 0
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 0does your OH not use public transport. Put something down
Childcare/nursery....................... 200
Other child related expenses............ 150
Medical (prescriptions, dentist etc).... 20
Pet insurance/vet bills................. 20
Buildings insurance..................... 14
Contents insurance...................... 14
Life assurance ......................... 20
Other insurance......................... 0
Presents (birthday, christmas etc)...... 20
Haircuts................................ 25
Entertainment........................... 50
Holiday................................. 30
Emergency fund.......................... 30
Total monthly expenses.................. 1890

Monthly Budget Summary[/b]
Total monthly income.................... 2,210
Expenses (including HP & secured debts). 1,890
Available for debt repayments........... 320
Monthly UNsecured debt repayments....... 0
Amount left after debt repayments....... 320

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

As you can see it is going to give you huge surplus especially when you take out things you can't have such as Satalite tv and internet etc.

I maybe wrong but i think it is right, others may be able to help further

Ok i have made some changes. Sorry been out all day. Try it like that for now. We can always juggle it about later.They really are confusing so dont worry.Dx

EnslavedByDebts

Dalip,

Thanks for adding those bits on to the SOA's. I didn't know the amounts OP could have when i did it for him but thought i'd just show OP what it should kind of look like. Although OP will end up with a big surplus on both SOA?

northernmonkey0_0

A couple of things i should let you know as we now doing the full bills for each of us is that in the original SOA, i halved the mortgage payment between us too, the actually amount we pay is £764. Also, we didn't put our professional body memberships down (union) at £25 for me and £15 for the OH.

The OH also does have a car too, so would need money for diesel (£50?), road tax, repairs etc. This had proved vital due to the fact i work about 1.5 miles from home, but start and finish at stupid o'clock (3am early starts and probably about the same time finishes), also when our shifts clash, we have no-one to look after baby, so she goes to OH parents, some 15 miles away. No to mention getting her to nursery etc etc

I do appreiciate people having a look at this for us, really i do! I'm getting so stressed!

What sort of figure do you suppose the OR would be looking to take, i think i can handle that for 3 years rather 23 years of a DMP (If we'd even be accepted, in fact IP said he wouldn't recommend it at all due to the fact creditors can pull out at anytime etc)

Also, cccs couldn't even talk to us at the mo, due to the fact it's their policy not to help people who are currently in an IVA!

beentheredonethatstilhere

If you put your new SOA's up once you have added and tweaked them then we check them for you again.

A couple of things stand out at the moment. The medical expenses are high on yours, is there a particular reason why?

What is the £150 child expenses.

Make sure your cars are fully comp and make sure you have breakdown cover.

You need to make sure that your contents insurance has accidental damage.

We can look at things like IPA when it has been tweaked again.

Give National Debtline a ring and have a chat with them, they are open till 9pm tonight or 9am to 1pm tomorrow.

Enslaved thanks for doing that split for us :A

northernmonkey0_0

Cars are fully comp and we have RAC cover, plus we have accidental damage on the contents. My medical bill is quite high due to the fact that in the coming months, i'm due to have 6 teeth out, and the reconstruction work is going to be massive, even on the NHS at £198 per visit (they call it per course of treatment i think)

Other child related expenses are for her clothes, shoes, and babysitters if her mum can't have her at any point, swimming or trips out, farming world etc, nappies, and at the moment thousands of briefs as she's toilet traing lol! Are they in the right place?

Would you like the new SOA joint or split again? With both of us paying £764 mortgage (i.e if we doing it seperatly, do we both put down that we are paying the full amount of mortgage?) I'm still confused with this bloody thing, but once it's done that's half the paperwork battle!

TIA