Can you please check my SOR

eschaton

fiveyearplan wrote: »

Curly04 - welcome! Most of us are lovely people however you do get some who are opinionated but luckily they aren't regulars of this forum. Please ignore them and stay for the help you came for.

As for your SOA - I agree with the comments made by TigerFeet so why don't you make those few changes and post it back on here.

Good luck for next week!!

OP has my sympathy but BR and £40 a month for hair cuts ?

I will say no more than... who can all afford that ?

tigerfeet2006

eschaton wrote: »

OP has my sympathy but BR and £40 a month for hair cuts ?

I will say no more than... who can all afford that ?

Well if you check my reply to Curly you will see I have adjusted it down. It costs me £65 a month for my hair.

You are not a regular here and don't understand all the workings and why fors so in stead of judging why don't you go back to a board where you know what you are doing.

fiveyearplan

The OP put the SOA for advice and guidance. When someone goes BR they need to maximise their expenses as they will have no more credit to fall back on for emergencies. I dare say some of people's expenses could be cut but that leaves no room for manouvre if say the washing machine breaks down, or if someone is hospitalised and they have to visit everyday (my DD was recently in hospital and it was expensive for me visiting everyday).

tigerfeet2006

Thanks FYP.

Sorry I bit, which isn't like me. I think I need a break for a day or so.

debtinfo

eschaton wrote: »

OP has my sympathy but BR and £40 a month for hair cuts ?

I will say no more than... who can all afford that ?

As has been said many times before, this is not a place to judge, look at the other posts where people like tigerfeet try to gently nudge people in the right direction, not hit them with a sledge hammer

curly04

Household Information[/b]
Number of adults in household........... 2
Number of children in household.........
Number of cars owned....................
Monthly Income Details
Monthly income after tax................ 1300
Partners monthly income after tax....... 600
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 1900
Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 575
Management charge (leasehold property).. 0
Council tax............................. 139
Electricity............................. 60
Gas..................................... 80
Oil..................................... 0
Water rates............................. 36
Telephone (land line)................... 60
Mobile phone............................ 0
TV Licence.............................. 0
Satellite/Cable TV...................... 12
Internet Services....................... 0
Groceries etc. ......................... 400
Clothing................................ 60
Petrol/diesel........................... 180
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 20
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 20
Pet insurance/vet bills................. 20
Buildings insurance..................... 0
Contents insurance...................... 18
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 20
Haircuts................................ 40
Entertainment........................... 0
Holiday................................. 50
Emergency fund.......................... 0
Total monthly expenses.................. 1790

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.................... 1,900
Expenses (including HP & secured debts). 1,790
Available for debt repayments........... 110
Monthly UNsecured debt repayments....... 0
Amount left after debt repayments....... 110

my husband will be going BR soon I hope but I've got to do it first as I earn more money than he does so they are all coming after me

1300 is an estimate as some months I get bonuses and other times I dont
Thanks for you help

Holes_in_my_pocket

I also need new shoes about once a month 4 -6 weeks any way . I got a supporting letter from my GP he was happy to give me one though the OR never actually asked for it but i told him i had it

tigerfeet2006

Is that his full wage or his contribution to the joint household bills?

curly04

just a contribution

he has his bus pass to pay for and medical expensives and a few bits and bobs but he doesn't earn that much more than shown

tigerfeet2006

You need to drop hairdressing to£10 per adult. I would also drop his contribution a bit to leave you less of a surplus.

You say £1300 is an average, how many months is this average over.