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

MicheH

Hi dp, I can't believe I missed your post on going BR this week. Sorry I can't comment on your SOA, hopeless at that sort of stuff. Just wanted to say woohoo and hope that BR day comes quickly and you can put everything behind you soon

nervousmother

double your clothing to £60, two of you!

philnicandamy

dollparts wrote: »

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 ?? No mobile ??
TV Licence.............................. 12
Satellite/Cable TV...................... 0
Internet Services....................... 5 NOT allowed unless for work/school..shift it to "telephone" instead..
Groceries etc. ......................... 420 daughter has specialist diet due to medical condition you'll have to provide mediacl proof to back up
Clothing................................ 30 £60
Petrol/diesel........................... 80
Road tax................................ 18
Car Insurance........................... 34.47
Car maintenance (including MOT)......... 15
Car parking............................. 8
Other travel............................ 57.5 whats this for?
Childcare/nursery....................... 0
Other child related expenses............ 20 £5 a day per activity for child.
Medical (prescriptions, dentist etc).... 27 the OR may drop this to £20
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 57.51 seems high but knowing where you are should be ok...has it accidental damage cover as well??
Life assurance ......................... 13.64 OR will take an interest in this..you may loose or pay the OR £50 to buy back the interest
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 NEVER usually allowed BUT leave it and see...
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)

the car....is it still on finance or am I missing something?...

dollparts

I own the car, I'm really worried they will take it away from me

I will have a look at the other bits and post again as soon as madam is in bed.

Thanks so much in the meantime

dollparts

Originally Posted by 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 ?? No mobile ??
TV Licence.............................. 12
Satellite/Cable TV...................... 0
Internet Services....................... 5 NOT allowed unless for work/school..shift it to "telephone" instead..can attribute to work
Groceries etc. ......................... 420 daughter has specialist diet due to medical condition you'll have to provide mediacl proof to back up
Clothing................................ 30 £60 ok then
Petrol/diesel........................... 80
Road tax................................ 18
Car Insurance........................... 34.47
Car maintenance (including MOT)......... 15
Car parking............................. 8
Other travel............................ 57.5 whats this for? scratch this, have accounted for
Childcare/nursery....................... 0
Other child related expenses............ 20 £5 a day per activity for child.
Medical (prescriptions, dentist etc).... 27 the OR may drop this to £20
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 57.51 seems high but knowing where you are should be ok...has it accidental damage cover as well?
yes, it is high, I am looking into switching. It does cover accidental damage.
Life assurance ......................... 13.64 OR will take an interest in this..you may loose or pay the OR £50 to buy back the interest
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 NEVER usually allowed BUT leave it and see...
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)

the car....is it still on finance or am I missing something?...Today 6:07 PM

ok will make changes and post again.

Thanks Phil x

So_Sad_Angel

Good Luck Dollparts.....keep hold of your sense of humour & you`ll be fine.

Angiexx

dollparts

Household Information[/b]
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............................ 20
TV Licence.............................. 12
Satellite/Cable TV...................... 0
Internet Services....................... 5
Groceries etc. ......................... 420
Clothing................................ 60
Petrol/diesel........................... 80
Road tax................................ 18
Car Insurance........................... 34.47
Car maintenance (including MOT)......... 15
Car parking............................. 8
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 25
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
Total monthly expenses.................. 2018.62

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). 2,018.62
Available for debt repayments........... 73.22
Monthly UNsecured debt repayments....... 0
Amount left after debt repayments....... 73.22
Personal Balance Sheet Summary
Total assets (things you own)........... 3,000
Total HP & Secured debt................. -0
Total Unsecured debt.................... -0
Net Assets.............................. 3,000

Have made the advised changes, I really hope this will be ok?

tigerfeet2006

dollparts wrote: »

Household Information[/b]
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............................ 20
TV Licence.............................. 12
Satellite/Cable TV...................... 0
Internet Services....................... 5
Groceries etc. ......................... 420
Clothing................................ 60 £80
Petrol/diesel........................... 80
Road tax................................ 18
Car Insurance........................... 34.47
Car maintenance (including MOT)......... 15
Car parking............................. 8
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 25 School dinners £2 PER DAY PRIMARY £3 SECONDARY
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 £15
Entertainment........................... 0
Holiday................................. 40
Emergency fund.......................... 25
Total monthly expenses.................. 2018.62

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). 2,018.62
Available for debt repayments........... 73.22
Monthly UNsecured debt repayments....... 0
Amount left after debt repa

Make sure you are fully comp. on your car insurance. If you do not have breakdown cover in your insurance get some £10. Do you pay professional/union fees not taken out at source?Do you subscribe to a professional paper/mag? Do you need suits dry cleaned for work? If so add £10.

Some more things for you to consider.

cloverfan

whoohoo!! good luck dollparts xxx

fermi

Good luck for later.