Could SOA experts please check?

beentheredonethatstilhere

I read it as they have 2 cars, 1 each.

You are probably right about the haircuts I think.

northernmonkey0_0

You lot really are superstars, if i had any money, i'd buy you all a beer! Lol (gotta laugh ain't ya?)

I really feel like the light at the end of the tunnel is fast approaching, though it's still a long way off! The child benefit is paid to my OH. We have a car each, nothing fancy, mines worth £800 OH's £500, but i'm going to try and impress the need we have for 2 cars with our shifts and childcare arrangments and hope for the best, summers coming anyway!

Once the final alterations are done, i feel the OR will be suitably impressed they've to do hardly any work (I'm joking!)

Thanks again everyone. I'm brand new here, but everyone has helped so so much. If i can ever return the favour....

beentheredonethatstilhere

So when you do the SOA put the CHB on your OHs SOA and adjust the contribution to suit.

Also do the haircuts as Fiveyearplan has suggested.

So_Sad_Angel

northernmonkey0_0 wrote: »

Thanks again everyone. I'm brand new here, but everyone has helped so so much. If i can ever return the favour....

Hi northernmonkey

Sorry I could`nt really offer any further help on soa issues.....can`t sort my own so dare`nt try & help others but plenty of more expert posters have offered opinions.

You can always return the favour by sticking around....pass on the help you have received...remember that you have felt that dispair that debt brings & that is unique experience in helping others that find themselves with nowhere to turn & sometimes all they need is a friendly ear & some supportive words.

You have a way to go yet Hun & please keep us updated of your progress.

Keep smiling, Angiexx

northernmonkey0_0

Don't worry Angie, i'm going no where! That's not to say i'll be making useless posts i know nothing about, but if can help someone else, i will!

Funny how that this morning i was feeling like s**t because of the SOA, and now, it's like the hardest part is done (which of course it isn't!)

I'm certainly not just taking the help and running anyway, i'll be here!

So_Sad_Angel

northernmonkey0_0 wrote: »

Don't worry Angie, i'm going no where! That's not to say i'll be making useless posts i know nothing about, but if can help someone else, i will!

Funny how that this morning i was feeling like s**t because of the SOA, and now, it's like the hardest part is done (which of course it isn't!)

I'm certainly not just taking the help and running anyway, i'll be here!

Sometimes its just those first few words of support that we need. Knowing that you are not alone is worth more than any amount of money.

At the end of the day it does`nt really matter how the debt happened....we are where we are & we all make mistakes & misjudgements....its how we deal with it & get our lives back that this forum is all about.

Right....enough now.

Have a fab weekend,

Angiex

Merlinexcalibur

That's not to say i'll be making useless posts i know nothing about, but if can help someone else, i will!

Wouln't worry, I make those all the time. ;):rolleyes::cool:

dalip

EnslavedByDebts wrote: »

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(2)
Monthly Income Details
Monthly income after tax................ 2021
Partners monthly income after tax....... 260
Benefits................................ 80take this off as suggested
Other income............................ 0
Total monthly income.................... 2361=£2,281
Monthly Expense Details
Mortgage................................ 764
Secured/HP loan repayments.............. 0
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax............................. 120
Electricity............................. 70
Gas..................................... 60
Oil..................................... 0
Water rates............................. 50
Telephone (land line)................... 60
Mobile phone............................ 0
TV Licence.............................. 12
Satellite/Cable TV...................... 0
Internet Services....................... 10
Groceries etc. ......................... 450
Clothing................................ 80
Petrol/diesel........................... 70
Road tax................................ 20
Car Insurance........................... 31
Car maintenance (including MOT)......... 50
Car parking............................. 10
Other travel............................ 0
Childcare/nursery....................... 200
Other child related expenses............ 20
Medical (prescriptions, dentist etc).... 50*£40
Pet insurance/vet bills................. 20
Buildings insurance..................... 14
Contents insurance...................... 20
Life assurance ......................... 20
Other insurance......................... 0
Presents (birthday, christmas etc)...... 20*loose this?
Haircuts................................ 25£15
Entertainment........................... 0
Holiday................................. 60
Emergency fund.......................... 30*loose this?
Total monthly expenses.................. 2336= £2,326 leaving you £45 in deficit. Have marked some suggestions to get this back credit in blue.These would leave you with a surplus of £15


Monthly Budget Summary
Total monthly income.................... 2,361
Expenses (including HP & secured debts). 2,336
Available for debt repayments........... 25
Monthly UNsecured debt repayments....... 0
Amount left after debt repayments....... 25

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....... 1375
Benefits................................ 80
Other income............................ 10?what is this
Total monthly income.................... 2235
Monthly Expense Details
Mortgage................................ 764
Secured/HP loan repayments.............. 0
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax............................. 120
Electricity............................. 70
Gas..................................... 70
Oil..................................... 0
Water rates............................. 50
Telephone (land line)................... 60
Mobile phone............................ 0
TV Licence.............................. 12
Satellite/Cable TV...................... 0
Internet Services....................... 10
Groceries etc. ......................... 450
Clothing................................ 80£40
Petrol/diesel........................... 50
Road tax................................ 20
Car Insurance........................... 30
Car maintenance (including MOT)......... 50
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 200
Other child related expenses............ 20
Medical (prescriptions, dentist etc).... 20
Pet insurance/vet bills................. 20
Buildings insurance..................... 14
Contents insurance...................... 20
Life assurance ......................... 20
Other insurance......................... 0
Presents (birthday, christmas etc)...... 00
Haircuts................................ 25£10
Entertainment........................... 0
Holiday................................. 60
Emergency fund.......................... 0
Total monthly expenses.................. 2235=£2,,185 leaving a surplus of £50


Monthly Budget Summary
Total monthly income.................... 2,235
Expenses (including HP & secured debts). 2,235
Available for debt repayments........... 0
Monthly UNsecured debt repayments....... 0
Amount short for making debt repayments. 0

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

Hope this helps

EBD

[/QUOTE]

Well done EBD for doing the SOA for you:A.Ok i have made some suggestions based on the fact i hate to see to see a deficit. Some have done it in the past and nothing has been said , just my own opinon. Therefore i have suggested removing presents and emrg fund as these are the 2 things that a few OR's do not allow. I think it was sieve yeaterday who had his emerg fund dissallowed.I am by no means an expert so would say see what others think(beenthere,FYP ect) before you finally decide that is what you want to do. Dx

EnslavedByDebts

Hi Northern,

I agree with dalip on the changes. If you just alter those final figures then that should all be good and hopefully with the little surplus left any alterations by OR will not likely push you over the £99 surplus

If you need any further help then just shout

EBD