br in march 09 and just recieved ltr for ed - help needed pls

ttt2009

just need some help filling out values on form

incomings are

child benefit £80pm
child tax cred £200 pm
income support £240

outgoings are

£20 virgin bill
£15 elec
£20 gas

the above 3 bills are balances from bills i had in my old house (which has been repo'd) and couldnt be included in br as accrued after. all 3 being paid at that amount for the next 5 months.

£35 phone.

dont pay rent/mort as staying with sons father until i can find somewhere else to go. he doesnt give me any money. we're not in a relationship.

£200 food pm.

is there anything else i need to add????? do u think i would be expected to contribute towards monthly payments???

any advice gratefully recieved.

ttt2009

bump..............

sausageface

Hi

You must have some travelling expenses (however much these are), clothing for yourself and your son (£40-50 per month), child activities (£5 per week), holiday fund (£30-40 per month), haircuts (£15 per month). Your food amount could be increased also. There may be other things as well, have a think about what you spend your money on and even have a look at other peoples' SOAs to see if you have missed something out that you do actually pay.

Meant to say as well good luck for ED, have my fingers crossed for you!

SF

x

miss_spooky

Hi ttt2009,

Do your SOA again using this link, it will prompt you for things that you may have missed out on.

http://www.makesenseofcards.com/soacalc.html

After calculate, press MSE format button, & cut & paste into this thread. Then we can have a better idea with what's going on.

Good lucks.

debtinfo

since your income is from benefits only they will not impose an IPA anyway

ttt2009

Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 1
Number of children in household......... 1
Number of cars owned.................... 0
Monthly Income Details
Monthly income after tax................ 0
Partners monthly income after tax....... 0
Benefits................................ 532
Other income............................ 0
Total monthly income.................... 532
Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax............................. 0
Electricity............................. 15
Gas..................................... 20
Oil..................................... 0
Water rates............................. 0
Telephone (land line)................... 0
Mobile phone............................ 35
TV Licence.............................. 12
Satellite/Cable TV...................... 0
Internet Services....................... 20
Groceries etc. ......................... 250
Clothing................................ 30
Petrol/diesel........................... 0
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 10
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)...... 20
Haircuts................................ 10
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 422

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
Total unsecured debts..........0.........0.........-

Monthly Budget Summary
Total monthly income.................... 532
Expenses (including HP & secured debts). 422
Available for debt repayments........... 110
Monthly UNsecured debt repayments....... 0
Amount left after debt repayments....... 110
Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -0
Total Unsecured debt.................... -0
Net Assets.............................. 0
Created using the SOA calculator at www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission, using IE browser.

tigerfeet2006

ttt2009 wrote: »

Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 1
Number of children in household......... 1
Number of cars owned.................... 0
Monthly Income Details
Monthly income after tax................ 0
Partners monthly income after tax....... 0
Benefits................................ 532
Other income............................ 0
Total monthly income.................... 532
Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax............................. 0
Electricity............................. 15 this is low
Gas..................................... 20 ditto
Oil..................................... 0
Water rates............................. 0
Telephone (land line)................... 0
Mobile phone............................ 35
TV Licence.............................. 12
Satellite/Cable TV...................... 0
Internet Services....................... 20 must come from surplus
Groceries etc. ......................... 250
Clothing................................ 30 £60
Petrol/diesel........................... 0
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 10 is it really this low?
Childcare/nursery....................... 0
Other child related expenses............ 0 £5 per week activities. £2 Primary school and £3 secondary school lunches per day.
Medical (prescriptions, dentist etc).... 0 £10 opticians and dentists. Assume you get free prescriptions.
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 0
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 20
Haircuts................................ 10 £15
Entertainment........................... 0
Holiday................................. 0 £40
Emergency fund.......................... 0
Total monthly expenses.................. 422

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
Total unsecured debts..........0.........0.........-

Monthly Budget Summary
Total monthly income.................... 532
Expenses (including HP & secured debts). 422
Available for debt repayments........... 110
Monthly UNsecured debt repayments....... 0
Amount left after debt repayments....... 110
Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -0
Total Unsecured debt.................... -0
Net Assets.............................. 0
Created using the SOA calculator at www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission, using IE browser.

Have a juggle with those figures. Though it won't matter too much as you are on benefits, I feel it is always best to show that you are using it all.