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soa check please
nev32
Posts: 148 Forumite
can someone check my soa please.
Statement of Affairs and Personal Balance Sheet Nathan (including Mortgage and Rent)
Household Information
Number of adults in household........... 2
Number of children in household......... 4
Number of cars owned.................... 2
Monthly Income Details
Monthly income after tax................ 1550
Partners monthly income after tax....... 364
Benefits................................ 691.28
Other income............................ 280
Total monthly income.................... 2885.28
Monthly Expense Details
Mortgage................................ 825
Secured/HP loan repayments.............. 181.6002
Rent.................................... 895
Management charge (leasehold property).. 0
Council tax............................. 130
Electricity............................. 45
Gas..................................... 0
Oil..................................... 60
Water rates............................. 41
Telephone (land line)................... 60
Mobile phone............................ 7
TV Licence.............................. 12
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 629
Clothing................................ 92
Petrol/diesel........................... 260
Road tax................................ 40
Car Insurance........................... 46
Car maintenance (including MOT)......... 40
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 150
Medical (prescriptions, dentist etc).... 30
Pet insurance/vet bills................. 0
Buildings insurance..................... 16
Contents insurance...................... 0
Life assurance ......................... 21
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 38
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 40
Total monthly expenses.................. 3658.6
Assets
Cash.................................... 0
House value (Gross)..................... 155000
Shares and bonds........................ 0
Car(s).................................. 400
Other assets............................ 0
Total Assets............................ 155400
Secured & HP Debts
Description....................Debt......Monthly...APR
Mortgage...................... 165000...(825)......5.9
Secured Debt.................. 11799....(112.6)....0
Hire Purchase (HP) debt ...... 2000.....(69).......0
Total secured & HP debts...... 178799....-.........-
Unsecured Debts
Description....................Debt......Monthly...APR
Barclaycard....................2744.36...120.......0
Barclaycard....................3154.25...75........0
Lloyds TSB.....................978.81....18........0
IF Overdraft Chloe ............480.......0.........0
Barclay Card Chloe.............1500......32........0
IF card Chloe..................3800......60........0
Next...........................306.......30........0
Littlewoods....................564.......20........0
Additions......................115.63....5.........0
Barclays Partner Fina..........180.......8.69......0
HFC Bank.......................298.58....12........0
Abbey Overdraft................1400......0.........0
IF Loan........................9973......112.......0
Halifax Credit Card............2583......40........0
Total unsecured debts..........28077.63...532.69
Monthly Budget Summary
Total monthly income.................... 2,885.28
Expenses (including HP & secured debts). 3,658.6
Available for debt repayments........... -773.32
Monthly UNsecured debt repayments....... 532.69
Amount short for making debt repayments. -1,306.01
Personal Balance Sheet Summary
Total assets (things you own)........... 155,400
Total HP & Secured debt................. -178,799
Total Unsecured debt.................... -28,077.63
Net Assets.............................. -49,476.63
Statement of Affairs and Personal Balance Sheet Nathan (including Mortgage and Rent)
Household Information
Number of adults in household........... 2
Number of children in household......... 4
Number of cars owned.................... 2
Monthly Income Details
Monthly income after tax................ 1550
Partners monthly income after tax....... 364
Benefits................................ 691.28
Other income............................ 280
Total monthly income.................... 2885.28
Monthly Expense Details
Mortgage................................ 825
Secured/HP loan repayments.............. 181.6002
Rent.................................... 895
Management charge (leasehold property).. 0
Council tax............................. 130
Electricity............................. 45
Gas..................................... 0
Oil..................................... 60
Water rates............................. 41
Telephone (land line)................... 60
Mobile phone............................ 7
TV Licence.............................. 12
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 629
Clothing................................ 92
Petrol/diesel........................... 260
Road tax................................ 40
Car Insurance........................... 46
Car maintenance (including MOT)......... 40
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 150
Medical (prescriptions, dentist etc).... 30
Pet insurance/vet bills................. 0
Buildings insurance..................... 16
Contents insurance...................... 0
Life assurance ......................... 21
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 38
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 40
Total monthly expenses.................. 3658.6
Assets
Cash.................................... 0
House value (Gross)..................... 155000
Shares and bonds........................ 0
Car(s).................................. 400
Other assets............................ 0
Total Assets............................ 155400
Secured & HP Debts
Description....................Debt......Monthly...APR
Mortgage...................... 165000...(825)......5.9
Secured Debt.................. 11799....(112.6)....0
Hire Purchase (HP) debt ...... 2000.....(69).......0
Total secured & HP debts...... 178799....-.........-
Unsecured Debts
Description....................Debt......Monthly...APR
Barclaycard....................2744.36...120.......0
Barclaycard....................3154.25...75........0
Lloyds TSB.....................978.81....18........0
IF Overdraft Chloe ............480.......0.........0
Barclay Card Chloe.............1500......32........0
IF card Chloe..................3800......60........0
Next...........................306.......30........0
Littlewoods....................564.......20........0
Additions......................115.63....5.........0
Barclays Partner Fina..........180.......8.69......0
HFC Bank.......................298.58....12........0
Abbey Overdraft................1400......0.........0
IF Loan........................9973......112.......0
Halifax Credit Card............2583......40........0
Total unsecured debts..........28077.63...532.69
Monthly Budget Summary
Total monthly income.................... 2,885.28
Expenses (including HP & secured debts). 3,658.6
Available for debt repayments........... -773.32
Monthly UNsecured debt repayments....... 532.69
Amount short for making debt repayments. -1,306.01
Personal Balance Sheet Summary
Total assets (things you own)........... 155,400
Total HP & Secured debt................. -178,799
Total Unsecured debt.................... -28,077.63
Net Assets.............................. -49,476.63
BR on 10th september 2009. :shhh::shhh::shhh:
DC 10th september 2010 _party__party__party__party_
DC 10th september 2010 _party__party__party__party_
0
Comments
-
at the top of this it says mortgage payment, and rent payment?
do you pay both or one?0 -
we stopped paying mortgage 2 months ago to get the fee's for br as of 24th sept we will be paying rent. as we dont move in until 24th august of which one month has been paid with the fee's.BR on 10th september 2009. :shhh::shhh::shhh:
DC 10th september 2010 _party__party__party__party_0 -
Bumping this up.BR on 10th september 2009. :shhh::shhh::shhh:
DC 10th september 2010 _party__party__party__party_0 -
So you do your SOA as it is the day of bc. So if not paying mortgage do not include it. You are confusing folk.....hense not many replies.
You need to do a SOA as it will be the day of bc,no debts ect.
Try again and see what happens.We are not "experts", as such just normal:o.lol DxFree impartial debt advice available from: National Debtline - Tel: 0808 808 4000 | The Consumer Credit Counselling Service (CCCS) - Tel: 0800 138 1111 | Find your local Citizens Advice Bureau
Laugh at yourself and others laugh with you.Laugh at others and you laugh alone. BSC No 107:D0 -
someone beat me to the mortgage and rent bit..
may be worth shoping around for / trading in for a cheaper car, to save on petrol at least?
also, home phone- check if any inclusive (molile?) deals, may be better value.
food costs- keep a diary of what you actually eat (and throw away?) - could make savings by buying in bulk for basic items,
or bake and freeze extra, when making casseroles etc- 'per portion' costs could be trimmed that way, by getting fresh cuts (less packaging for a start!)
and haircuts - £38 a MONTH?! no need! get a trimmer and have a no.2 buzzcut all over, lol!Long time away from MSE, been dealing real life stuff..
Sometimes seen lurking on the compers forum :-)0 -
can someone check my soa please.
Statement of Affairs and Personal Balance Sheet Nathan (including Mortgage and Rent)
Household Information
Number of adults in household........... 2
Number of children in household......... 4
Number of cars owned.................... 2
Monthly Income Details
Monthly income after tax................ 1550
Partners monthly income after tax....... 364
Benefits................................ 691.28
Other income............................ 280
Total monthly income.................... 2885.28
Monthly Expense Details
Mortgage................................ 825 delete
Secured/HP loan repayments.............. 181.6002
Rent.................................... 895
Management charge (leasehold property).. 0
Council tax............................. 130
Electricity............................. 45
Gas..................................... 0
Oil..................................... 60
Water rates............................. 41
Telephone (land line)................... 60
Mobile phone............................ 7
TV Licence.............................. 12
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 629 630
Clothing................................ 92 90
Petrol/diesel........................... 260
Road tax................................ 40
Car Insurance........................... 46
Car maintenance (including MOT)......... 40
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 150 what is this?
Medical (prescriptions, dentist etc).... 30
Pet insurance/vet bills................. 0
Buildings insurance..................... 16 you won't need this when in rented
Contents insurance...................... 0 £20 you will need this though
Life assurance ......................... 21 OR may have interest in this
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 38 40
Entertainment........................... 0
Holiday................................. 0 60
Emergency fund.......................... 40
Total monthly expenses.................. 3658.6
Assets
Cash.................................... 0
House value (Gross)..................... 155000
Shares and bonds........................ 0
Car(s).................................. 400
Other assets............................ 0
Total Assets............................ 155400
Secured & HP Debts
Description....................Debt......Monthly...APR
Mortgage...................... 165000...(825)......5.9
Secured Debt.................. 11799....(112.6)....0
Hire Purchase (HP) debt ...... 2000.....(69).......0
Total secured & HP debts...... 178799....-.........-
Unsecured Debts
Description....................Debt......Monthly...APR
Barclaycard....................2744.36...120.......0
Barclaycard....................3154.25...75........0
Lloyds TSB.....................978.81....18........0
IF Overdraft Chloe ............480.......0.........0
Barclay Card Chloe.............1500......32........0
IF card Chloe..................3800......60........0
Next...........................306.......30........0
Littlewoods....................564.......20........0
Additions......................115.63....5.........0
Barclays Partner Fina..........180.......8.69......0
HFC Bank.......................298.58....12........0
Abbey Overdraft................1400......0.........0
IF Loan........................9973......112.......0
Halifax Credit Card............2583......40........0
Total unsecured debts..........28077.63...532.69
Monthly Budget Summary
Total monthly income.................... 2,885.28
Expenses (including HP & secured debts). 3,658.6
Available for debt repayments........... -773.32
Monthly UNsecured debt repayments....... 532.69
Amount short for making debt repayments. -1,306.01
Personal Balance Sheet Summary
Total assets (things you own)........... 155,400
Total HP & Secured debt................. -178,799
Total Unsecured debt.................... -28,077.63
Net Assets.............................. -49,476.63
I've made a few comments in red above. It may be easier for other people to comment if you go back to the SOA calculator and when you get to the end format for MSE - its much easier to read then.
:j :j
0 -
brightonman123 wrote: »someone beat me to the mortgage and rent bit..
may be worth shoping around for / trading in for a cheaper car, to save on petrol at least?
also, home phone- check if any inclusive (molile?) deals, may be better value.
food costs- keep a diary of what you actually eat (and throw away?) - could make savings by buying in bulk for basic items,
or bake and freeze extra, when making casseroles etc- 'per portion' costs could be trimmed that way, by getting fresh cuts (less packaging for a start!)
and haircuts - £38 a MONTH?! no need! get a trimmer and have a no.2 buzzcut all over, lol!
Thanks for the comments brightonman however this is an SOA for bankruptcy not DFW. When a person is bankrupt they have absolutely nothing to fall back on which is why they need to make a bit of room in their SOA - remember they have no credit facilities for emergencies.
:j :j
0 -
this is revised as the other one was before br. sorry. we were advised to do one for before & after. but i dont see thee point as the soa for after is the important one. correct me if im wrong.
Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 2
Number of children in household......... 4
Number of cars owned.................... 2
Monthly Income Details
Monthly income after tax................ 1550
Partners monthly income after tax....... 364
Benefits................................ 691.28
Other income............................ 280
Total monthly income.................... 2885.28
Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 69
Rent.................................... 895
Management charge (leasehold property).. 0
Council tax............................. 130
Electricity............................. 45
Gas..................................... 0
Oil..................................... 60
Water rates............................. 42
Telephone (land line)................... 60
Mobile phone............................ 7
TV Licence.............................. 12
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 629
Clothing................................ 92
Petrol/diesel........................... 260
Road tax................................ 40
Car Insurance........................... 46
Car maintenance (including MOT)......... 40
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 200
Medical (prescriptions, dentist etc).... 30
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 10
Life assurance ......................... 21
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 38
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 40
Total monthly expenses.................. 2766
Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 400
Other assets............................ 0
Total Assets............................ 400
Secured & HP Debts
Description....................Debt......Monthly.. .APR
Mortgage...................... 0........(0)........0
Hire Purchase (HP) debt ...... 2000.....(69).......0
Total secured & HP debts...... 2000......-.........- 0
Unsecured Debts
Description....................Debt......Monthly.. .APR
Total unsecured debts..........0.........0.........- 0
Monthly Budget Summary
Total monthly income.................... 2,885.28
Expenses (including HP & secured debts). 2,766
Available for debt repayments........... 119.28
Monthly UNsecured debt repayments....... 0
Amount left after debt repayments....... 119.28
Personal Balance Sheet Summary
Total assets (things you own)........... 400
Total HP & Secured debt................. -2,000
Total Unsecured debt.................... -0
Net Assets.............................. 400
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BR on 10th september 2009. :shhh::shhh::shhh:
DC 10th september 2010 _party__party__party__party_0 -
this is revised as the other one was before br. sorry. we were advised to do one for before & after. but i dont see thee point as the soa for after is the important one. correct me if im wrong.
Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 2
Number of children in household......... 4
Number of cars owned.................... 2
Monthly Income Details
Monthly income after tax................ 1550
Partners monthly income after tax....... 364
Benefits................................ 691.28
Other income............................ 280
Total monthly income.................... 2885.28
Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 69
Rent.................................... 895
Management charge (leasehold property).. 0
Council tax............................. 130
Electricity............................. 45
Gas..................................... 0
Oil..................................... 60
Water rates............................. 42
Telephone (land line)................... 60
Mobile phone............................ 7£0 they may not allow £60 for landline and £7 for mobile as £60 combined is usually the max
TV Licence.............................. 12
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 629£650
Clothing................................ 92 £120
Petrol/diesel........................... 260this is high may need to keep receipts to prove this amount
Road tax................................ 40
Car Insurance........................... 46
Car maintenance (including MOT)......... 40
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 200what is this,could you do a break down please
Medical (prescriptions, dentist etc).... 30
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 10£20
Life assurance ......................... 21
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 38£40
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 40put this on holiday as they do not normally allow an emerg fund and up it to £60
Total monthly expenses.................. 2766
Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 400
Other assets............................ 0
Total Assets............................ 400
Secured & HP Debts
Description....................Debt......Monthly.. .APR
Mortgage...................... 0........(0)........0
Hire Purchase (HP) debt ...... 2000.....(69).......0
Total secured & HP debts...... 2000......-.........- 0
Unsecured Debts
Description....................Debt......Monthly.. .APR
Total unsecured debts..........0.........0.........- 0
Monthly Budget Summary
Total monthly income.................... 2,885.28
Expenses (including HP & secured debts). 2,766
Available for debt repayments........... 119.28
Monthly UNsecured debt repayments....... 0
Amount left after debt repayments....... 119.28
Personal Balance Sheet Summary
Total assets (things you own)........... 400
Total HP & Secured debt................. -2,000
Total Unsecured debt.................... -0
Net Assets.............................. 400 nev32
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Concerned about your petrol as if the OR cuts that back you may get an IPA.DxFree impartial debt advice available from: National Debtline - Tel: 0808 808 4000 | The Consumer Credit Counselling Service (CCCS) - Tel: 0800 138 1111 | Find your local Citizens Advice Bureau
Laugh at yourself and others laugh with you.Laugh at others and you laugh alone. BSC No 107:D0
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