hello newbie so be gentle

fiveyearplan

meganstaff wrote: »

Hi all
I was wondering if any of you good people could look over my redone soa. My 19yr old son is also living here but hes working and self sufficient so havent put him on here as advised. I have to fill the paperwork out asap so any advice appreciated.
thanks in advance
Gill
Household Information[/b]
Number of adults in household........... 1
Number of children in household......... 1
Number of cars owned.................... 1
Monthly Income Details[/b]
Monthly income after tax................ 790
Partners monthly income after tax....... 0
Benefits................................ 609
Other income............................ 0
Total monthly income.................... 1399
Monthly Expense Details[/b]
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 288.43 289
Management charge (leasehold property).. 0
Council tax............................. 69.94 70
Electricity............................. 65
Gas..................................... 0
Oil..................................... 0
Water rates............................. 43
Telephone (land line)................... 53
Mobile phone............................ 0
TV Licence.............................. 21.67 12 - they don't allow you to put any extra as it rounds out to £12 per month
Satellite/Cable TV...................... 0
Internet Services....................... 18 is this necessary for work/study?
Groceries etc. ......................... 350
Clothing................................ 80
Petrol/diesel........................... 80
Road tax................................ 12
Car Insurance........................... 23
Car maintenance (including MOT)......... 25
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 10
Medical (prescriptions, dentist etc).... 15
Pet insurance/vet bills................. 8
Buildings insurance..................... 0
Contents insurance...................... 14
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 10 not usually allowed
Haircuts................................ 15
Entertainment........................... 0
Holiday................................. 40
Emergency fund.......................... 0
school dinners.......................... 60
coal.................................... 70
Total monthly expenses.................. 1371.04

Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 200
Other assets............................ 0
Total Assets............................ 200

No Secured nor Hire Purchase Debts
Unsecured Debts
Description....................Debt......Monthly...APR
council tax....................972.3.....0.........0
rent arrears...................983.69....0.........0
bpo............................272.79....0.........0
flm............................7589.48...0.........0
impact.........................353.......0.........0
iqor...........................47.5......0.........0
provident......................1336.97...0.........0
midas legal....................450.19....0.........0
moorcroft......................320.......0.........0
reliable collections...........325.54....0.........0
robinson way...................1035.83...0.........0
shopacheck.....................386.93....0.........0
welcome finance................3691.19...0.........0
welsh water....................216.3.....0.........0
westcott.......................349.5.....0.........0
first revenue..................28.86.....0.........0
eversheds......................432.......0.........0
Total unsecured debts..........18792.07..0.........-

Monthly Budget Summary
Total monthly income.................... 1,399
Expenses (including HP & secured debts). 1,371.04
Available for debt repayments........... 27.96
Monthly UNsecured debt repayments....... 0
Amount left after debt repayments....... 27.96
Personal Balance Sheet Summary
Total assets (things you own)........... 200
Total HP & Secured debt................. -0
Total Unsecured debt.................... -18,792.07
Net Assets.............................. -18,592.07

I've made a few comments but it all looks fine. I would up the housekeeping to £400 that way it'll balance out the few things that might not be allowed.

meganstaff

Thanks for reading hun, i been in touch with cruse and was supposed to gone to see them 4 weeks ago. Christmas was so difficult and when it came to it i couldnt face going. I have never been offered a home visit tho and i think i would prefer that to anything else. i kno i really need to talk to someone but i cant seem to pluck up the guts to go, opening a can of worms comes to mind, im scared i will finally fall apart, thanks for caring enough to ask.

debtinfo

The soa looks fine to me as well megan

meganstaff

Hi guys
thanks for the comments, i hope this is ok for my final SOA, i've made the advised changes to it, could someone please take a quick look and let me know if this is ok for the final one, my head is banging now but im on a mission to sort this out this weekend,hope my son would be proud of me. thanks in advance Gill
Number of adults in household........... 1
Number of children in household......... 1
Number of cars owned.................... 1
Monthly Income Details
Monthly income after tax................ 790
Partners monthly income after tax....... 0
Benefits................................ 609
Other income............................ 0
Total monthly income.................... 1399
Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 289
Management charge (leasehold property).. 0
Council tax............................. 70
Electricity............................. 65
Gas..................................... 0
Oil..................................... 0
Water rates............................. 43
Telephone (land line)................... 55
Mobile phone............................ 0
TV Licence.............................. 12
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 380
Clothing................................ 80
Petrol/diesel........................... 80
Road tax................................ 12
Car Insurance........................... 23
Car maintenance (including MOT)......... 25
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 10
Medical (prescriptions, dentist etc).... 15
Pet insurance/vet bills................. 8
Buildings insurance..................... 0
Contents insurance...................... 14
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 10
Haircuts................................ 15
Entertainment........................... 0
Holiday................................. 40
Emergency fund.......................... 0
school dinners.......................... 60
coal.................................... 70
Total monthly expenses.................. 1376

Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 200
Other assets............................ 0
Total Assets............................ 200

Unsecured Debts
Description....................Debt......Monthly...APR
council tax....................972.3.....0.........0
rent arrears...................983.69....0.........0
bpo............................272.79....0.........0
flm............................7589.48...0.........0
impact.........................353.......0.........0
iqor...........................47.5......0.........0
provident......................1336.97...0.........0
midas legal....................450.19....0.........0
moorcroft......................320.......0.........0
reliable collections...........325.54....0.........0
robinson way...................1035.83...0.........0
shopacheck.....................386.93....0.........0
welcome finance................3691.19...0.........0
welsh water....................216.3.....0.........0
westcott.......................349.5.....0.........0
first revenue..................28.86.....0.........0
eversheds......................432.......0.........0
Total unsecured debts..........18792.07..0.........-

Monthly Budget Summary
Total monthly income.................... 1,399
Expenses (including HP & secured debts). 1,376
Available for debt repayments........... 23
Monthly UNsecured debt repayments....... 0
Amount left after debt repayments....... 23
Personal Balance Sheet Summary
Total assets (things you own)........... 200
Total HP & Secured debt................. -0
Total Unsecured debt.................... -18,792.07
Net Assets.............................. -18,592.07

sizzler

Looks ok:)

sizzler:)

meganstaff

thank you sizzler
:beer:

confused76

looks good to me Gill

meganstaff

thanks confused x

meganstaff

thank you x

IF

Hi, just read your post, sending out cyber hugs.. you are doing something constructive sorting out your finances (which is massive in itself) and talking here which I know is so helpful. It’s baby steps really, alll the best and take care xxx

If wishes....