Draft SOA...any thoughts please?

Heycock

please ignore this posting. I accidentally put it on this forum by mistake. I've now put it on "living with bankruptcy"

searching_me

hi and welcome just a few tips on your soa ...

food for 2 people is quiet high i feed my family of 4 and a dog on £200 ..

you cant afford hols ..

clothes theres freecycle or just get by on what you have for abit ..

can you spread your council tax over 12 months instead of 10 ..

haircuts .. be a model or go to a hair college .. alot cheaper or free ..

just a few tips .. good luck xxx

Heycock

Thanks for the reply.Seems everyone has different ideas on whats acceptable. Down to individual OR I suppose.

bargainbetty

If we may ask, what is the unsecured debt? Is it one loan, or lots of small items? Sometimes people have very good ideas about how to tart your credit cards to make them work.

Other than the groceries and the holidays, I can't see how you could save much more. Have you checked https://www.entitledto.com to make sure you have claimed all you can?

Good luck x

Heycock

Hi Bargain Betty.
Sorry....my post seems to be getting misunderstood. My fault entirely for accidentally putting it on the wrong forum. I'm in the process of going bankrupt so tarting isn't going to help. Too far down the line. The official receiver takes a totally different viewpoint to SOA's. Creditors want their pound of flesh..thats why so many IVA's fail. The OR is a little more realistic. The OR doesn't expect the spartan lifestyle of reply No.1.
All the best!