SOA from the jobless!

grahamlaw

Statement of Affairs and Personal Balance Sheet

Household Information
Number of adults in household........... 2
Number of children in household......... 0
Number of cars owned.................... 1

Monthly Income Details
Monthly income after tax................ 0
Partners monthly income after tax....... 0
Benefits................................ 240
Other income............................ 400
Total monthly income.................... 640

Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 332
Rent.................................... 1200
Management charge (leasehold property).. 0
Council tax............................. 90
Electricity............................. 0
Gas..................................... 0
Oil..................................... 0
Water rates............................. 0
Telephone (land line)................... 0
Mobile phone............................ 10
TV Licence.............................. 12
Satellite/Cable TV...................... 0
Internet Services....................... 43
Groceries etc. ......................... 150
Clothing................................ 0
Petrol/diesel........................... 0
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 0
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 0
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 1837


Assets
Cash.................................... 200
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 400
Other assets............................ 0
Total Assets............................ 600


Secured & HP Debts
Description....................Debt......Monthly...APR
Mortgage...................... 0........(0)........0
Hire Purchase (HP) debt ...... 3652.....(332)......0
Total secured & HP debts...... 3652......-.........-

Unsecured Debts
Description....................Debt......Monthly...APR
Style card.....................650.......15........0
Total unsecured debts..........650.......15........-


Monthly Budget Summary
Total monthly income.................... 640
Expenses (including HP & secured debts). 1,837
Available for debt repayments........... -1,197
Monthly UNsecured debt repayments....... 15
Amount short for making debt repayments. -1,212

Personal Balance Sheet Summary
Total assets (things you own)........... 600
Total HP & Secured debt................. -3,652
Total Unsecured debt.................... -650
Net Assets.............................. -50

Created using the SOA calculator at https://www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission, using other browser.

Candy0107

grahamlaw wrote: »

Statement of Affairs and Personal Balance Sheet

Household Information
Number of adults in household........... 2
Number of children in household......... 0
Number of cars owned.................... 1

Monthly Income Details
Monthly income after tax................ 0
Partners monthly income after tax....... 0
Benefits................................ 240
Other income............................ 400
Total monthly income.................... 640

could you up your income ie scratchies, cashback, selling things on the internet?

Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 332 - can you write to your creditors explaining that you are not working and offer them £1 payments?
Rent.................................... 1200
Management charge (leasehold property).. 0
Council tax............................. 90 - can you not get this discounted or if you are paying over 10 months see if they can change to 12 months??
Electricity............................. 0
Gas..................................... 0
Oil..................................... 0
Water rates............................. 0
Telephone (land line)................... 0
Mobile phone............................ 10
TV Licence.............................. 12
Satellite/Cable TV...................... 0
Internet Services....................... 43
Groceries etc. ......................... 150 - could you go down a brand (or 2) ie basic food items and cook more of your food

Or live on rice and pasta etc - boring, but cheap (I have done it)
Clothing................................ 0
Petrol/diesel........................... 0
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 0
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 0
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 1837


Assets
Cash.................................... 200
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 400
Other assets............................ 0
Total Assets............................ 600


Secured & HP Debts
Description....................Debt......Monthly...APR
Mortgage...................... 0........(0)........0
Hire Purchase (HP) debt ...... 3652.....(332)......0
Total secured & HP debts...... 3652......-.........-

Unsecured Debts
Description....................Debt......Monthly...APR
Style card.....................650.......15........0
Total unsecured debts..........650.......15........-


Monthly Budget Summary
Total monthly income.................... 640
Expenses (including HP & secured debts). 1,837
Available for debt repayments........... -1,197
Monthly UNsecured debt repayments....... 15
Amount short for making debt repayments. -1,212

Personal Balance Sheet Summary
Total assets (things you own)........... 600
Total HP & Secured debt................. -3,652
Total Unsecured debt.................... -650
Net Assets.............................. -50

Created using the SOA calculator at https://www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission, using other browser.

Hi,

Please see my comments above

Candy xxx

grahamlaw

I wasn't expecting a response! I thought I was stuffed!

I will start selling things of on ebay very soon. As for scratchies I'm just scratching my head, I don't know what that is. I also don't know what you mean by cashback.

The loan is difficult as it is secured to my parents as is my rent.
Council tax is a long story, please see my other thread about the bailiffs.
The food bill is getting better as I have been buying veg from the market and other things from Iceland which has turned into a pound shop. As for rice, I eat a lot of rice as my wife is Chinese.

I'm lucky most of my bills are included in the rent.

Macro_3

Can you claim housing and council tax benefit?

grahamlaw

The application is processing for benefit. Long story there.
http://forums.moneysavingexpert.com/showthread.html?t=1861957&highlight=bailiff