SOA how it looking?

Mr_and_Mrs_Spendthrift

OH and I are both going BR but I've put us both on oe for now.

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................ 1425
Partners monthly income after tax....... 160
Benefits................................ 180
Other income............................ 0
Total monthly income.................... 1765
Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 595
Management charge (leasehold property).. 0
Council tax............................. 132
Electricity............................. 45
Gas..................................... 45
Oil..................................... 0
Water rates............................. 30
Telephone (land line)................... 25
Mobile phone............................ 45
TV Licence.............................. 12
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 360
Clothing................................ 30
Petrol/diesel........................... 100
Road tax................................ 5
Car Insurance........................... 30
Car maintenance (including MOT)......... 20
Car parking............................. 0
Other travel............................ 55
Childcare/nursery....................... 0
Other child related expenses............ 15
Medical (prescriptions, dentist etc).... 21
Pet insurance/vet bills................. 20
Buildings insurance..................... 0
Contents insurance...................... 0
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 10
Entertainment........................... 8
Holiday................................. 0
Emergency fund.......................... 0
Maintenance (not paid through csa)...... 120
Total monthly expenses.................. 1723

Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 1200
Other assets............................ 0
Total Assets............................ 1200

No Secured nor Hire Purchase Debts
Unsecured Debts
Description....................Debt......Monthly...APR
loan...........................23000.....492.......0
credit card....................8300......160.......0
credit card....................3300......80........0
Total unsecured debts..........34600.....732.......-

Monthly Budget Summary
Total monthly income.................... 1,765
Expenses (including HP & secured debts). 1,723
Available for debt repayments........... 42
Monthly UNsecured debt repayments....... 732
Amount short for making debt repayments. -690
Personal Balance Sheet Summary
Total assets (things you own)........... 1,200
Total HP & Secured debt................. -0
Total Unsecured debt.................... -34,600
Net Assets.............................. -33,400
Created using the SOA calculator at www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission, using IE browser.

dalip

Mr_and_Mrs_Spendthrift wrote: »

OH and I are both going BR but I've put us both on oe for now.

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................ 1425
Partners monthly income after tax....... 160is this a total?
Benefits................................ 180
Other income............................ 0
Total monthly income.................... 1765
Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 595
Management charge (leasehold property).. 0
Council tax............................. 132
Electricity............................. 45
Gas..................................... 45
Oil..................................... 0
Water rates............................. 30
Telephone (land line)................... 25
Mobile phone............................ 45£60 for mobile & LL combined
TV Licence.............................. 12
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 360
Clothing................................ 30 who is haveing the extra for the childs clothes?
Petrol/diesel........................... 100
Road tax................................ 5
Car Insurance........................... 30
Car maintenance (including MOT)......... 20
Car parking............................. 0
Other travel............................ 55
Childcare/nursery....................... 0
Other child related expenses............ 15
Medical (prescriptions, dentist etc).... 21
Pet insurance/vet bills................. 20
Buildings insurance..................... 0
Contents insurance...................... 0?
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 10£10 per adult £5 per child
Entertainment........................... 8not allowed
Holiday................................. 0can put something here
Emergency fund.......................... 0
Maintenance (not paid through csa)...... 120
Total monthly expenses.................. 1723

Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 1200
Other assets............................ 0
Total Assets............................ 1200

No Secured nor Hire Purchase Debts
Unsecured Debts
Description....................Debt......Monthly...APR
loan...........................23000.....492.......0
credit card....................8300......160.......0
credit card....................3300......80........0
Total unsecured debts..........34600.....732.......-

Monthly Budget Summary
Total monthly income.................... 1,765
Expenses (including HP & secured debts). 1,723
Available for debt repayments........... 42
Monthly UNsecured debt repayments....... 732
Amount short for making debt repayments. -690
Personal Balance Sheet Summary
Total assets (things you own)........... 1,200
Total HP & Secured debt................. -0
Total Unsecured debt.................... -34,600
Net Assets.............................. -33,400
Created using the SOA calculator at www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission, using IE browser.

It would be much easier for both us and you if you did 2 seperate ones. Dx

Mr_and_Mrs_Spendthrift

Him indoors
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................ 1425
Partners monthly income after tax....... 160
Benefits................................ 100
Other income............................ 0
Total monthly income.................... 1685
Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 595
Management charge (leasehold property).. 0
Council tax............................. 132
Electricity............................. 45
Gas..................................... 45
Oil..................................... 0
Water rates............................. 30
Telephone (land line)................... 25
Mobile phone............................ 35
TV Licence.............................. 12
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 360
Clothing................................ 30
Petrol/diesel........................... 100
Road tax................................ 5
Car Insurance........................... 30
Car maintenance (including MOT)......... 20
Car parking............................. 0
Other travel............................ 20
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 21
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 0
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 10
Entertainment........................... 8
Holiday................................. 0
Emergency fund.......................... 0
Maintenance (not paid through csa)...... 120
Total monthly expenses.................. 1618

Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 1200
Other assets............................ 0
Total Assets............................ 1200

No Secured nor Hire Purchase Debts
Unsecured Debts
Description....................Debt......Monthly...APR
loan...........................23000.....492.......0
credit card....................3300......80........0
Total unsecured debts..........26300.....572.......-

Monthly Budget Summary
Total monthly income.................... 1,685
Expenses (including HP & secured debts). 1,618
Available for debt repayments........... 67
Monthly UNsecured debt repayments....... 572
Amount short for making debt repayments. -505
Personal Balance Sheet Summary
Total assets (things you own)........... 1,200
Total HP & Secured debt................. -0
Total Unsecured debt.................... -26,300
Net Assets.............................. -25,100
Created using the SOA calculator at www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission, using IE browser.

Her indoors (me)
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....................
Monthly Income Details
Monthly income after tax................ 160
Partners monthly income after tax....... 1425
Benefits................................ 180
Other income............................ 0
Total monthly income.................... 1765
Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 595
Management charge (leasehold property).. 0
Council tax............................. 132
Electricity............................. 45
Gas..................................... 45
Oil..................................... 0
Water rates............................. 30
Telephone (land line)................... 25
Mobile phone............................ 10
TV Licence.............................. 12
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 360
Clothing................................ 40
Petrol/diesel........................... 0
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 55
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 10
Pet insurance/vet bills................. 20
Buildings insurance..................... 0
Contents insurance...................... 0
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 15
Entertainment........................... 0
Holiday................................. 10
Emergency fund.......................... 0
Total monthly expenses.................. 1404

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

No Secured nor Hire Purchase Debts
Unsecured Debts
Description....................Debt......Monthly...APR
Joint loan.....................23000.....492.......0
Credit card....................8300......160.......0
Total unsecured debts..........31300.....652.......-

Monthly Budget Summary
Total monthly income.................... 1,765
Expenses (including HP & secured debts). 1,404
Available for debt repayments........... 361
Monthly UNsecured debt repayments....... 652
Amount short for making debt repayments. -291
Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -0
Total Unsecured debt.................... -31,300
Net Assets.............................. -31,300
Created using the SOA calculator at www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission, using IE browser.

And yes, the £160 is my total wage!!!!

I've put little un on with me, how much can we claim for clothes?

As for contents insurance.....we don't have anything worth pinching;)

Tristesse

Believe me if you have a child it's a really good idea to get some insurance with accidental damage cover. I've lost track of the things our children have managed to break over the years and an emergency fund to cover things like that isn't allowed. We've recently switched and get it for less than £5 per month, and it covered our toddler pouring milk over my husband's work laptop :eek:

dalip

Mr_and_Mrs_Spendthrift wrote: »

Him indoors
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................ 1425
Partners monthly income after tax....... 160
Benefits................................ 100
Other income............................ 0
Total monthly income.................... 1685
Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 595
Management charge (leasehold property).. 0
Council tax............................. 132
Electricity............................. 45
Gas..................................... 45
Oil..................................... 0
Water rates............................. 30
Telephone (land line)................... 25£40
Mobile phone............................ 35£20
TV Licence.............................. 12
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 360could increase this if need be
Clothing................................ 30£50
Petrol/diesel........................... 100
Road tax................................ 5
Car Insurance........................... 30
Car maintenance (including MOT)......... 20
Car parking............................. 0
Other travel............................ 20
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 21
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 0
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 10£15
Entertainment........................... 8not allowed
Holiday................................. 0
Emergency fund.......................... 0
Maintenance (not paid through csa)...... 120
Total monthly expenses.................. 1618

Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 1200
Other assets............................ 0
Total Assets............................ 1200

No Secured nor Hire Purchase Debts
Unsecured Debts
Description....................Debt......Monthly...APR
loan...........................23000.....492.......0
credit card....................3300......80........0
Total unsecured debts..........26300.....572.......-

Monthly Budget Summary
Total monthly income.................... 1,685
Expenses (including HP & secured debts). 1,618
Available for debt repayments........... 67
Monthly UNsecured debt repayments....... 572
Amount short for making debt repayments. -505
Personal Balance Sheet Summary
Total assets (things you own)........... 1,200
Total HP & Secured debt................. -0
Total Unsecured debt.................... -26,300
Net Assets.............................. -25,100
Created using the SOA calculator at www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission, using IE browser.

Her indoors (me)
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....................
Monthly Income Details
Monthly income after tax................ 160
Partners monthly income after tax....... 1425this should be your OH's contribution not his full income
Benefits................................ 180
Other income............................ 0
Total monthly income.................... 1765
Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 595
Management charge (leasehold property).. 0
Council tax............................. 132
Electricity............................. 45
Gas..................................... 45
Oil..................................... 0
Water rates............................. 30
Telephone (land line)................... 25£40
Mobile phone............................ 10
TV Licence.............................. 12
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 360
Clothing................................ 40
Petrol/diesel........................... 0
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 55
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 10
Pet insurance/vet bills................. 20
Buildings insurance..................... 0
Contents insurance...................... 0
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 15
Entertainment........................... 0
Holiday................................. 10
Emergency fund.......................... 0
Total monthly expenses.................. 1404

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

No Secured nor Hire Purchase Debts
Unsecured Debts
Description....................Debt......Monthly...APR
Joint loan.....................23000.....492.......0
Credit card....................8300......160.......0
Total unsecured debts..........31300.....652.......-

Monthly Budget Summary
Total monthly income.................... 1,765
Expenses (including HP & secured debts). 1,404
Available for debt repayments........... 361
Monthly UNsecured debt repayments....... 652
Amount short for making debt repayments. -291
Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -0
Total Unsecured debt.................... -31,300
Net Assets.............................. -31,300
Created using the SOA calculator at www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission, using IE browser.

And yes, the £160 is my total wage!!!!

I've put little un on with me, how much can we claim for clothes?

As for contents insurance.....we don't have anything worth pinching;)

Put down your oh's contribution to household bills only. So add up rent,water,gas,electric,phone,tv,ct,food and pets. Add it up then split it according to income %. Then add on his own(your own) expenses like on his it would be the car,medical,mobile,clothes,haircut ect. On yours it would be travel costs,clothes(a little more if you are puttin childs on yours) haircuts(again more if child expenses going on your SOA)medical,mobile ect. Mess with the figures until they balance.Dx