Well last night my "light bulb" went on be gentle with me

kizandcorez

[tt]Statement of Affairs and Personal Balance Sheet

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

Monthly Income Details
Monthly income after tax................ 1010
Partners monthly income after tax....... 416
Benefits................................ 424
Other income............................ 0
Total monthly income.................... 1850

Monthly Expense Details
Mortgage................................ 578
Secured/HP loan repayments.............. 0
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax............................. 99
Electricity............................. 60
Gas..................................... 40
Oil..................................... 0
Water rates............................. 28
Telephone (land line)................... 21
Mobile phone............................ 70
TV Licence.............................. 12
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 400
Clothing................................ 25
Petrol/diesel........................... 40
Road tax................................ 10
Car Insurance........................... 24
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 242
Childcare/nursery....................... 0
Other child related expenses............ 35
Medical (prescriptions, dentist etc).... 14
Pet insurance/vet bills................. 0
Buildings insurance..................... 13
Contents insurance...................... 12
Life assurance ......................... 35
Other insurance......................... 0
Presents (birthday, christmas etc)...... 25
Haircuts................................ 0
Entertainment........................... 20
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 1803


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


Secured & HP Debts
Description....................Debt......Monthly...APR
Mortgage...................... 92000....(578)......0
Total secured & HP debts...... 92000.....-.........-

Unsecured Debts
Description....................Debt......Monthly...APR
next...........................2000......200.......0
capital one....................500.......25........0
shop direct....................800.......50........0
edf............................400.......30........0
orange.........................300.......25........0
capquest.......................1700......10........0
wescost........................1000......10........0
mc hall........................700.......10........0
Total unsecured debts..........7400......360.......-


Monthly Budget Summary
Total monthly income.................... 1,850
Expenses (including HP & secured debts). 1,803
Available for debt repayments........... 47
Monthly UNsecured debt repayments....... 360
Amount short for making debt repayments. -313

Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -92,000
Total Unsecured debt.................... -7,400
Net Assets.............................. -99,400

[/tt]

immoral_angeluk

Monthly Expense Details
Mortgage................................ 578
Secured/HP loan repayments.............. 0
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax............................. 99 - if this is spread over 8/10 months, call them and ask to extend it to 12 if you are suffering hardship.
Electricity............................. 60 - check around and see if you can get anything cheaper.
Gas..................................... 40
Oil..................................... 0
Water rates............................. 28 - same as council tax.
Telephone (land line)................... 21 - does this include your internet and line rental?
Mobile phone............................ 70 - this seems very high. Sure you've be able to cut that down by getting the right package for your needs or just using it less.
TV Licence.............................. 12
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 400 This could easily be cut down. Check out the old style board for ideas.
Clothing................................ 25
Petrol/diesel........................... 40 You don't seem to use the car much, could you manage on public transport? Does your employer offer expenses for petrol etc?
Road tax................................ 10
Car Insurance........................... 24 - could you get it cheaper? cashback through quidco.
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 242
Childcare/nursery....................... 0
Other child related expenses............ 35
Medical (prescriptions, dentist etc).... 14 - Are you on chilc tax credit? If you are on above the family element you should get a tax credit medical exemption card.
Pet insurance/vet bills................. 0
Buildings insurance..................... 13
Contents insurance...................... 12 - check around make sure you're getting the best deal, and check out quidco.com to get cashback on purchases like this.
Life assurance ......................... 35 - do you really need this right now? Does your employer have medical insurance? If you do need it, check you're getting it as cheap as possible.
Other insurance......................... 0
Presents (birthday, christmas etc)...... 25
Haircuts................................ 0
Entertainment........................... 20
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 1803

BeautyandtheBeast_3

the mobile seems high the groceries - could that be trimmed a little and public transport seems high also? xxxxxxxx

kizandcorez

Bit of our background as many others due to dredit crunch dh has had his hours cut at work losing us £10000 per year last year we got a bit carried away with spending thinking the money was going to be there so we are struggling to get through the month ideally i want to pay off cats credit card and next asap and NEVER use them again i hope

immoral_angeluk wrote: »

Monthly Expense Details
Mortgage................................ 578
Secured/HP loan repayments.............. 0
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax............................. 99 - if this is spread over 8/10 months, call them and ask to extend it to 12 if you are suffering hardship.
Electricity............................. 60 - check around and see if you can get anything cheaper. this is our best deal we were paying less to edf hence the debt with them have now moved to southern electric
Gas..................................... 40
Oil..................................... 0
Water rates............................. 28 - same as council tax.
Telephone (land line)................... 21 - does this include your internet and line rental? im with talk talk so internet is free
Mobile phone............................ 70 - this seems very high. Sure you've be able to cut that down by getting the right package for your needs or just using it less. This is a fairly new 18 month contract for 2 phones ill contact them see if i can reduce minutes and text for a better deal
TV Licence.............................. 12
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 400 This could easily be cut down. Check out the old style board for ideas. will do it would be great to cut down on shopping
Clothing................................ 25
Petrol/diesel........................... 40 You don't seem to use the car much, could you manage on public transport? Does your employer offer expenses for petrol etc? The car is new and needs paid for 3year so have to keep it
Road tax................................ 10
Car Insurance........................... 24 - could you get it cheaper? cashback through quidco. I dont get quidco?????????????? how does it work?
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 242 this is our car payment
Childcare/nursery....................... 0
Other child related expenses............ 35
Medical (prescriptions, dentist etc).... 14 - Are you on chilc tax credit? If you are on above the family element you should get a tax credit medical exemption card. We get £66 a week ctc for 2 children how much is the limit?
Pet insurance/vet bills................. 0
Buildings insurance..................... 13
Contents insurance...................... 12 - check around make sure you're getting the best deal, and check out quidco.com to get cashback on purchases like this.
Life assurance ......................... 35 - do you really need this right now? Does your employer have medical insurance? If you do need it, check you're getting it as cheap as possible. This is part of our mortgage agreement have just had it reduced by £6 pm
Other insurance......................... 0
Presents (birthday, christmas etc)...... 25
Haircuts................................ 0
Entertainment........................... 20
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 1803

immoral_angeluk

For 2 children the basic element is about £45 a month.... if you get over this you should get one if you are getting CTC.

Help with health costs and refund of travel costs to hospital for NHS treatment

225

Some clients on low incomes and in receipt of CTC and/or WTC will be entitled to help with health costs, for example, free prescriptions, free dental treatment and free sight tests. A client will only be entitled to help with her/his health costs if s/he has a gross annual income of £15,276 or less (£15,050 in Scotland) and s/he is in receipt of:-

• WTC and CTC; or
• WTC and s/he is eligible for a disability element or severe disability element; or
• CTC and s/he is not entitled to WTC. This might be, for example, because s/he does not work, or works fewer than 16 hours per week.

226

A client who is entitled to help with health costs will be sent an NHS tax credit exemption certificate by the NHS Business Services Authority, although this may be up to eight weeks after s/he receives her/his tax credits award. This certificate will usually be valid for twelve months.

227

If a client has not yet received her/his award notice and does not have an old certificate, s/he can sign the treatment form to say that s/he is entitled to help with health costs, but her/his claim may later be checked. Alternatively, s/he can pay and claim a refund within three months, but s/he must obtain an NHS receipt at the time of payment.

228

The contact details are:-
NHS Business Services Authority - Exemption Issue Office
PO Box 1011
Newcastle upon Tyne
NE99 2ZP

Tel: 0845 609 9299
Website: www.nhsbsa.nhs.uk/prescriptions

To clarify, health costs is ...
[URL="file:///C:/Program%20Files/england/INDEX/CATEGORI/CATEGORY/CATEGORY/CATEGORY/10060200.HTM#prescriptions"]prescription charges[/URL]
[URL="file:///C:/Program%20Files/england/INDEX/CATEGORI/CATEGORY/CATEGORY/CATEGORY/10060200.HTM#dental_treatment"]NHS dental charges[/URL], including check-ups
[URL="file:///C:/Program%20Files/england/INDEX/CATEGORI/CATEGORY/CATEGORY/CATEGORY/10060200.HTM#sight_tests"]sight tests[/URL]
[URL="file:///C:/Program%20Files/england/INDEX/CATEGORI/CATEGORY/CATEGORY/CATEGORY/10060200.HTM#glasses_and_contact_lenses"]vouchers towards the cost of glasses and contact lenses[/URL]
[URL="file:///C:/Program%20Files/england/INDEX/CATEGORI/CATEGORY/CATEGORY/CATEGORY/10060200.HTM#travel_costs_for_nhs_treatment"]travel costs to a place where s/he receives NHS treatment[/URL]
[URL="file:///C:/Program%20Files/england/INDEX/CATEGORI/CATEGORY/CATEGORY/CATEGORY/10060200.HTM#travel_costs_if_travelling_abroad_for_treatmen"]travel costs if travelling abroad for treatment[/URL]

kizandcorez

We get 66 pw ctc no wtc
""""Some clients on low incomes and in receipt of CTC and/or WTC will be entitled to help with health costs, for example, free prescriptions, free dental treatment and free sight tests. A client will only be entitled to help with her/his health costs if s/he has a gross annual income of £15,276 or less (£15,050 in Scotland) and s/he is in receipt of:-

• WTC and CTC; or
• WTC and s/he is eligible for a disability element or severe disability element; or
• CTC and s/he is not entitled to WTC. This might be, for example, because s/he does not work, or works fewer than 16 hours per week."""""

but we earn over the £15,276 I hate tc its too confusing

immoral_angeluk

Call the exemption issue office and ask. Best way to get it clarified really as you're right, TC are incredibly confusing.

kizandcorez

Well i've telephone them and we are not entitled to free nhs help. Its crazy if i wasn't working we would have more money coming in and get help with council tax and free prescriptions.