SOA comments/advice please

ijustkeepswimming

Here is my SOA just wondered if there is anything I have forgotten or overpriced . Any comments/advice welcome

Thanks
IJKS

Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 2
Number of children in household......... 0
Number of cars owned.................... 1
Monthly Income Details
Monthly income after tax................ 1300
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 1300
Monthly Expense Details
Mortgage................................ 325
Secured/HP loan repayments.............. 220 (secured loan on house and HP on TV)
Rent.................................... 0
Management charge (leasehold property).. 19 (ground rent and service charge)
Council tax............................. 118
Electricity............................. 60
Gas..................................... 60
Oil..................................... 0
Water rates............................. 20
Telephone (land line)................... 35
Mobile phone............................ 25
TV Licence.............................. 12
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 200
Clothing................................ 20
Petrol/diesel........................... 50
Road tax................................ 17
Car Insurance........................... 65 (fully comp only been driving 2 yrs)
Car maintenance (including MOT)......... 10
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 10
Pet insurance/vet bills................. 20
Buildings insurance..................... 15
Contents insurance...................... 15
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 10
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 1326

fiveyearplan

ijustkeepswimming wrote: »

Here is my SOA just wondered if there is anything I have forgotten or overpriced . Any comments/advice welcome

Thanks
IJKS

Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 2
Number of children in household......... 0
Number of cars owned.................... 1
Monthly Income Details
Monthly income after tax................ 1300
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 1300
Monthly Expense Details
Mortgage................................ 325
Secured/HP loan repayments.............. 220 (secured loan on house and HP on TV)
Rent.................................... 0
Management charge (leasehold property).. 19 (ground rent and service charge)
Council tax............................. 118
Electricity............................. 60
Gas..................................... 60
Oil..................................... 0
Water rates............................. 20
Telephone (land line)................... 35
Mobile phone............................ 25
TV Licence.............................. 12
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 200 £400
Clothing................................ 20
Petrol/diesel........................... 50
Road tax................................ 17
Car Insurance........................... 65 (fully comp only been driving 2 yrs) Wow this seems expensive. Is your car necessary for work?
Car maintenance (including MOT)......... 10
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 10
Pet insurance/vet bills................. 20
Buildings insurance..................... 15
Contents insurance...................... 15
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 10
Entertainment........................... 0
Holiday................................. 0 20
Emergency fund.......................... 0
Total monthly expenses.................. 1326

Does your OH not have any income/benefits?

ijustkeepswimming

fiveyearplan wrote: »

Does your OH not have any income/benefits?

No income as he is currently unemployed and no benefits as I earn to much (yeah right lol) Only thing we could get is working tax credit which works out at 23p a week so not worth it to be honest

Car insurance is high as I only have 1 yrs no claims and the area I live is also an issue, due for renewal very soon so should be reduced with 2yrs no claims, also we are planing on moving to a completely new area, to be nearer to my family, which I have done a check on and that will also reduce it. Car is needed for work especially if we move as it would be a 60mile round trip until I found a job closer to were we move to