Good heavens, I'm going BR Monday....

dollparts

I can hardly beleive it but I'm going on Monday!

I'm rather numb-not sure how I am supposed to be feeling.

I am going to post my SOA this evening to get any last minute feedback if that's ok?

I feel a little empty, like I have forgotten to do something, I keep putting off logging onto IS website because it doesn't seem real. Am I weird?

philnicandamy

Hiya DP...wow thats soon come round for sure

try not to worry its really not that bad...I bet you'll come from court thinking "huh...is that it?"

post away with the SOA every little helps.....and NO your not weird you should have seen me & some of the thoughts I had come the big day

Good luck!

Angiepange

Hi Doll

Just wanted to wish you all the best for Monday, my thoughts will be with you. Try not to worry, easier said than done though!!

Angie x

magicgirl

agree with philnicandamy. I was a bit 'duh?' after leaving. Was so worried about judgement and all sorts but two years (almost to the day) later, things are really looking up. and i can AFFORD to live now. i couldn't before. best of luck and deffo post your soa. x

pmg19680

Try not to worry DP. Everything will be fine and you can start your debt free journey.
Good luck for monday;)

dollparts

Thank you

what's a safe amount to leave in my bank account without the OR thinking I'm a secret millionaire? I have saved a bit whilst preparing for BR and my rent will be paid on Monday before I go to court. (will be dd each month after that)

As I have now changed all dds to co-op account some payments have been a little slow to debit this month (some are new suppliers which has also caused delay) Should I leave enough in there to cover these?

Also, how soon will they freeze my accounts and what's the average time they are frozen for?

So little time to go and still the questions are coming think and fast....

dollparts

Oh the nerves are kicking in now I've started typing.....

crowman19

I went BR the 7th of this month and my bank accounts still haven't been frozen. I think it all really depends on how busy the OR office is.

philnicandamy

dollparts wrote: »

Thank you

what's a safe amount to leave in my bank account without the OR thinking I'm a secret millionaire? I have saved a bit whilst preparing for BR and my rent will be paid on Monday before I go to court. (will be dd each month after that) leave just enough to cover your living expenses

As I have now changed all dds to co-op account some payments have been a little slow to debit this month (some are new suppliers which has also caused delay) Should I leave enough in there to cover these? yep.

Also, how soon will they freeze my accounts and what's the average time they are frozen for? its really how long is a bit of string...deepending on the OR informing and which bank it is it could be days weeks or in my case with barclays months :rolleyes:

So little time to go and still the questions are coming think and fast good..I need to occupy my mind tonight so ask away....

just a few thoughts

Angiepange

dollparts wrote: »

Thank you

what's a safe amount to leave in my bank account without the OR thinking I'm a secret millionaire? I have saved a bit whilst preparing for BR and my rent will be paid on Monday before I go to court. (will be dd each month after that)

As I have now changed all dds to co-op account some payments have been a little slow to debit this month (some are new suppliers which has also caused delay) Should I leave enough in there to cover these?

Also, how soon will they freeze my accounts and what's the average time they are frozen for?

So little time to go and still the questions are coming think and fast....

Doll

My Co-op cashminder opened pre BR was never frozen. Told the OR about it in the phone call on BR day and stated on the forms it was opened for post BR use.

I haven't had any problems whatsoever with the account, just remember the online banking total takes a few days to catch up on withdrawals. We have got in the habit of putting all our receipts on a clip and I regularly keep a running total of what has gone out the account so I know whats left in there as im paranoid about not going overdrawn

Angie x

dollparts

I'll keep this brief because I was in the middle of typing an epic post and it vanished!

I have included my amended SOA for anyone that wants to have a look please?

I have had to change things about because since moving some things have up and down.

btw, I cannot go to court tomorrow as planned. I have to work and although I have tried to change commitments around it will not fly and so will have to do it mid-week instead.

I must say orchestrating the right week of the month to go BR has been a headache to say the least. It's mostly due to changing bank accounts and moving home AND some utility suppliers. Everything seems to have fallen out of kilter and it's yet to settle down. I hate being so out of routine.

Anyway, like I said this was supposed to be B-R-I-E-F!

Any feedback would be appreciated.

Number of adults in household........... 1
Number of children in household......... 1
Number of cars owned.................... 1
Monthly Income Details
Monthly income after tax................ 627.87
Partners monthly income after tax....... 0
Benefits................................ 1383.97
Other income............................ 80
Total monthly income.................... 2091.84
Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 850
Management charge (leasehold property).. 0
Council tax............................. 97
Electricity............................. 70
Gas..................................... 80
Oil..................................... 0
Water rates............................. 21
Telephone (land line)................... 30
Mobile phone............................ 0
TV Licence.............................. 12
Satellite/Cable TV...................... 0
Internet Services....................... 5
Groceries etc. ......................... 420 daughter has specialist diet due to medical condition
Clothing................................ 30
Petrol/diesel........................... 80
Road tax................................ 18
Car Insurance........................... 34.47
Car maintenance (including MOT)......... 15
Car parking............................. 8
Other travel............................ 57.5
Childcare/nursery....................... 0
Other child related expenses............ 20
Medical (prescriptions, dentist etc).... 27
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 57.51
Life assurance ......................... 13.64
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 10
Entertainment........................... 0
Holiday................................. 40
Emergency fund.......................... 25 likely additional travel due to regular hospital appointments
Total monthly expenses.................. 2021.12

Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 3000
Other assets............................ 0
Total Assets............................ 3000

No Secured nor Hire Purchase Debts
Unsecured Debts
Description....................Debt......Monthly...APR
Total unsecured debts..........0.........0.........-

Monthly Budget Summary
Total monthly income.................... 2,091.84
Expenses (including HP & secured debts). 2,021.12
Available for debt repayments........... 70.72
Monthly UNsecured debt repayments....... 0
Amount left after debt repayments....... 70.72
Personal Balance Sheet Summary
Total assets (things you own)........... 3,000
Total HP & Secured debt................. -0
Total Unsecured debt.................... -0
Net Assets.............................. 3,000 required for work, am working with children and need to transport them(more info on earlier posts)