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last soa was confusing, try again
nev32
Posts: 148 Forumite
this is revised as the other one was before br. sorry. we were advised to do one for before & after. but i don't see thee point as the soa for after is the important one. correct me if im wrong. i hope this is right this time, myself & my wife are going br.
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 car
Rent.................................... 895
Management charge (leasehold property).. 0
Council tax............................. 130
Electricity............................. 45
Gas..................................... 0
Oil..................................... 60
Water rates............................. 42
Telephone (land line)................... 60 includes phone, internet & tv vision
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 this is school dinners & kids clubs
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 car
Total secured & HP debts...... 2000......-.........- 0 as above
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
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 car
Rent.................................... 895
Management charge (leasehold property).. 0
Council tax............................. 130
Electricity............................. 45
Gas..................................... 0
Oil..................................... 60
Water rates............................. 42
Telephone (land line)................... 60 includes phone, internet & tv vision
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 this is school dinners & kids clubs
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 car
Total secured & HP debts...... 2000......-.........- 0 as above
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
BR on 10th september 2009. :shhh::shhh::shhh:
DC 10th september 2010 _party__party__party__party_
DC 10th september 2010 _party__party__party__party_
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Comments
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this is revised as the other one was before br. sorry. we were advised to do one for before & after. but i don't see thee point as the soa for after is the important one. correct me if im wrong. i hope this is right this time, myself & my wife are going br.
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 car
Rent.................................... 895
Management charge (leasehold property).. 0
Council tax............................. 130
Electricity............................. 45
Gas..................................... 0
Oil..................................... 60
Water rates............................. 42
Telephone (land line)................... 60 [STRIKE]includes phone, internet & tv vision[/STRIKE] delete these words unnecessary and the OR may deduct some for internet and tv.
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............ 200 this is school dinners & kids clubs
Medical (prescriptions, dentist etc).... 30
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 10 did you guess at this figure? If so I'd put £20
Life assurance ......................... 21 OR may have an interest in this
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 38 40
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 40 not usually allowed but leave in.
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 car
Total secured & HP debts...... 2000......-.........- 0 as above
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
I made comments on your other thread but see you decided not to change your SOA. I made the comments again. As I said in the other thread - keep them all to one thread, don't start a new thread each time you change something then people can't see what advice you've already been given.
:j :j
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Yes i agree with FYP,as i have just answered on your other thread:rolleyes:.Might be worth asking to have the two threads merged;). Otherwise we will all be getting confused:rotfl:Free 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 -
sorry guys. i would merge but unsure of how to do it. sorry to confuse you all. im confusing myself.BR on 10th september 2009. :shhh::shhh::shhh:
DC 10th september 2010 _party__party__party__party_0
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