SOA's....First trial attempt before real thing.

Sammy3008

Ok, will explain this as we go along, as there seems to be alot of surplus left over, so best I go through it....This is my first attempt, so would be grateful for any help/advice on it/outgoings etc....I will re-do a new one, once got so help off here Thank you in advance.....any qs about it, feel free to ask...

Will add another SOA at the bottom of this one, excluding anything I'm not sure if included in the BR.

Household Information
Number of adults in household........... 2
Number of children in household......... 2
Number of cars owned.................... 1

Monthly Income Details
Monthly income after tax................ 1746 Including Shift allowance, is this included?
Partners monthly income after tax....... 0
Benefits................................ 940 Made up of £99 tax credits, £132 Child benefit, £477 son's DLA, and £232 my carer's allowance per mth.
Other income............................ 416 One I'm lost on, does it get included, DH's monthly car allowance for tyres etc, as he travels long distances for work etc.
Total monthly income.................... 3102

Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 575
Management charge (leasehold property).. 0
Council tax............................. 125
Electricity............................. 65
Gas..................................... 65
Oil..................................... 0
Water rates............................. 55 On a water Meter, DD currently set at £50, but never used a water meter before, so just adding £5 to be on the safe side?
Telephone (land line)................... 56 For TV, Phone, Broadband
Mobile phone............................ 15 this will probably come out of my money, as its my pre-pay phone.
TV Licence.............................. 12
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 500
Clothing................................ 30
Petrol/diesel........................... 0 don't know what to add here, as DH gets travelling expenses however doens't travel every week
Road tax................................ 0
Car Insurance........................... 41 Including break down cover.
Car maintenance (including MOT)......... 20
Car parking............................. 0
Other travel............................ 10 My bus fare should I need to take Stuart to any appointments, and DH can't get us there.
Childcare/nursery....................... 0
Other child related expenses............ 45 daugters school dinners, and any activities they do at school
Medical (prescriptions, dentist etc).... 14
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 18
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 25
Entertainment........................... 0
Holiday................................. 40
Emergency fund.......................... 0
Total monthly expenses.................. 1711

Assets
Cash.................................... 1000
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 3500 haven't valued it on Parkers yet, so just a guess.
Other assets............................ 0
Total Assets............................ 4500

Secured & HP Debts
Description....................Debt......Monthly...APR
Mortgage...................... 76379....(0)........6.49
Total secured & HP debts...... 76379.....-.........-

Unsecured Debts
Description....................Debt......Monthly...APR
Northern Rock..................23701.....157.......6.49
Barclays.......................9458......196.......0
Halifax........................8555......102.......0
Tesco..........................13060.....110.......0
HSBC...........................2677......0.........0
HSBC...........................11490.....202.......0
Halifax CC.....................3763......100.......0

Total unsecured debts..........72704.....867.......-

Monthly Budget Summary
Total monthly income.................... 3,102
Expenses (including HP & secured debts). 1,711
Available for debt repayments........... 1,391
Monthly UNsecured debt repayments....... 867
Amount left after debt repayments....... 524

Personal Balance Sheet Summary
Total assets (things you own)........... 4,500
Total HP & Secured debt................. -76,379
Total Unsecured debt.................... -72,704
Net Assets.............................. -144,583


One excluding the DLA, Car allowance, servicing costs, tyres, mot etc.....Shift allowance....

Household Information
Number of adults in household........... 2
Number of children in household......... 2
Number of cars owned.................... 1

Monthly Income Details
Monthly income after tax................ 1671
Partners monthly income after tax....... 0
Benefits................................ 463
Other income............................ 0
Total monthly income.................... 2134

Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 575
Management charge (leasehold property).. 0
Council tax............................. 125
Electricity............................. 65
Gas..................................... 65
Oil..................................... 0
Water rates............................. 55
Telephone (land line)................... 56
Mobile phone............................ 15
TV Licence.............................. 12
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 500
Clothing................................ 30
Petrol/diesel........................... 0
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 10
Childcare/nursery....................... 0
Other child related expenses............ 45
Medical (prescriptions, dentist etc).... 14
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 18
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 25
Entertainment........................... 0
Holiday................................. 40
Emergency fund.......................... 0
Total monthly expenses.................. 1650

Assets
Cash.................................... 1000
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 3500
Other assets............................ 0
Total Assets............................ 4500

Secured & HP Debts
Description....................Debt......Monthly...APR
Mortgage...................... 76379....(0)........6.49
Total secured & HP debts...... 76379.....-.........-
Unsecured Debts
Description....................Debt......Monthly...APR
Northern Rock..................23701.....157.......6.49
Barclays.......................9458......196.......0
Halifax........................8555......102.......0
Tesco..........................13060.....110.......0
HSBC...........................2677......0.........0
HSBC...........................11490.....202.......0
Halifax CC.....................3763......100.......0
Total unsecured debts..........72704.....867.......-

Monthly Budget Summary
Total monthly income.................... 2,134
Expenses (including HP & secured debts). 1,650
Available for debt repayments........... 484
Monthly UNsecured debt repayments....... 867
Amount short for making debt repayments. -383

Personal Balance Sheet Summary
Total assets (things you own)........... 4,500
Total HP & Secured debt................. -76,379
Total Unsecured debt.................... -72,704
Net Assets.............................. -144,583

Sunnylooloo

Sammy I'll just give you a little bump up and I am sure someone will be along soon with some helpful comments.

Good luck
x

peachyprice

Hi Sammy,

Is it just your OH going BR?

If so, you take out anything that it just yours, so your mobile, travel etc.,

Is the travel expenses the same every month, or dependent on if/when he travels? Same for shift allownce, is this guaranteed and the same every month?

You need to put something down for all his car expenses, so pertrol, insurance, breakdown. maintenance etc.. This will probably then cancel out most of the travel allowance he gets.

I'm not sure on the DLA for your son, but as the money is for him, not the household or OH I'm not sure whether you have to include it.

Anyhow, you need to reduce the contributuon to your OH's SoA shown under benefits to cover your own outgoings, so as the carers allowance is yours, not OH's or the households, again I not sure that you have to include it. CTC and CB are defo included though.

Household Information
Number of adults in household........... 2
Number of children in household......... 2
Number of cars owned.................... 1

Monthly Income Details
Monthly income after tax................ 1671
Partners monthly income after tax....... 0
Benefits................................ 463
Other income............................ 0
Total monthly income.................... 2134

Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 575
Management charge (leasehold property).. 0
Council tax............................. 125
Electricity............................. 65
Gas..................................... 65
Oil..................................... 0
Water rates............................. 55
Telephone (land line)................... 56
Mobile phone............................ 15 take this out
TV Licence.............................. 12
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 500
Clothing................................ 30 £100
Petrol/diesel........................... 0
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 10
Childcare/nursery....................... 0
Other child related expenses............ 45 £5 per child per week activities + school dinners.
Medical (prescriptions, dentist etc).... 14
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 18
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 25 £30
Entertainment........................... 0
Holiday................................. 40
Emergency fund.......................... 0
Total monthly expenses.................. 1650

Hope that helps to start with.

fredfedup

Hi there and welcome.
I would up groceries to £600 and clothes to £150 ( our Or accepted £150 for a family of four). We were also allowed £80 for a family of four towards a holiday. Peachy is spot on with the rest. Good luck.
fred

ashellis

Hi there,

I am sure others will be able to help out with what to put down for hubbys side of things, but I have just come back from my face to face meeting with the OR and he did not query any of the amounts I had put down.

I had £580 for groceries, £40 for activities for older child, £80 for holiday, I also put down £20 for optician and prescriptions for both me and children, school dinners I put £45, travel by bus etc £20.

They accepted these amounts just fine, so I would cancel out the ones pointed out and add onto others to balance it all out.

I did not put down the full amount of hubbys wages, nor did I include his overtime etc as this was not a regular amount, I just put down the amount he could cover and showed this as being paid out on the rent and usual bills etc, as my money would just contribute towards the food etc.

I also upped my clothing to £180 and thi was accepted as this included school uniforms and baby clothes etc.

Hope that helps a bit, and welcome, you will feel alot more reassured by posting on here, I certainly did, and now the process is over, it is very true what everyone says on here, it is not easy, you will beat yourself up, but the court and Or are nice people, so try not to get into such a state, I did and now I wonder why !!!

Feel free to post, and I am sure others will also help you out on your SOA. x

Sammy3008

peachyprice wrote: »

Hi Sammy,

Is it just your OH going BR?

If so, you take out anything that it just yours, so your mobile, travel etc.,

Is the travel expenses the same every month, or dependent on if/when he travels? Same for shift allownce, is this guaranteed and the same every month?

You need to put something down for all his car expenses, so pertrol, insurance, breakdown. maintenance etc.. This will probably then cancel out most of the travel allowance he gets.

I'm not sure on the DLA for your son, but as the money is for him, not the household or OH I'm not sure whether you have to include it.

Anyhow, you need to reduce the contributuon to your OH's SoA shown under benefits to cover your own outgoings, so as the carers allowance is yours, not OH's or the households, again I not sure that you have to include it. CTC and CB are defo included though.

Household Information
Number of adults in household........... 2
Number of children in household......... 2
Number of cars owned.................... 1

Monthly Income Details
Monthly income after tax................ 1671
Partners monthly income after tax....... 0
Benefits................................ 463
Other income............................ 0
Total monthly income.................... 2134

Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 575
Management charge (leasehold property).. 0
Council tax............................. 125
Electricity............................. 65
Gas..................................... 65
Oil..................................... 0
Water rates............................. 55
Telephone (land line)................... 56
Mobile phone............................ 15 take this out
TV Licence.............................. 12
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 500
Clothing................................ 30 £100
Petrol/diesel........................... 0
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 10
Childcare/nursery....................... 0
Other child related expenses............ 45 £5 per child per week activities + school dinners.
Medical (prescriptions, dentist etc).... 14
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 18
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 25 £30
Entertainment........................... 0
Holiday................................. 40
Emergency fund.......................... 0
Total monthly expenses.................. 1650

Hope that helps to start with.

Thank you peachy
Yes just DH going BR. When you say take things out that are mine, I have included my Carer's allowance in the incoming's, which will have to pay for topping up my phone, paying my catalogue and paying the overdraft back to HSBC (was the only joint debt we had) so how does this work, can I exclude my allowance on the forms, to cover these costs? I don't really contribute to the groceries etc, as been saving a little of the carer's so I have some behind me, to pay the debts I have.
Travel expenses not guranteed every month, and neither is shift allowance, as far as I am aware.

fredfedup wrote: »

Hi there and welcome.
I would up groceries to £600 and clothes to £150 ( our Or accepted £150 for a family of four). We were also allowed £80 for a family of four towards a holiday. Peachy is spot on with the rest. Good luck.
fred

Thank you

ashellis wrote: »

Hi there,

I am sure others will be able to help out with what to put down for hubbys side of things, but I have just come back from my face to face meeting with the OR and he did not query any of the amounts I had put down.

I had £580 for groceries, £40 for activities for older child, £80 for holiday, I also put down £20 for optician and prescriptions for both me and children, school dinners I put £45, travel by bus etc £20.

They accepted these amounts just fine, so I would cancel out the ones pointed out and add onto others to balance it all out.

I did not put down the full amount of hubbys wages, nor did I include his overtime etc as this was not a regular amount, I just put down the amount he could cover and showed this as being paid out on the rent and usual bills etc, as my money would just contribute towards the food etc.

I also upped my clothing to £180 and thi was accepted as this included school uniforms and baby clothes etc.

Hope that helps a bit, and welcome, you will feel alot more reassured by posting on here, I certainly did, and now the process is over, it is very true what everyone says on here, it is not easy, you will beat yourself up, but the court and Or are nice people, so try not to get into such a state, I did and now I wonder why !!!

Feel free to post, and I am sure others will also help you out on your SOA. x

Thank you Does the OR want to know when your hubby does overtime or anything, or do they have no interest in it?

ashellis

I was not asked a thing about how much hubby earnt, did not have to provide any proof, not asked about any over time etc, so I just put on my SOA a reasonable amount to show that the bills will be covered etc, and just told the OR that hubby pays for everything on the form and that I give as much as I can, when I can towards things etc
x

peachyprice

Sammy3008 wrote: »

Thank you peachy
Yes just DH going BR. When you say take things out that are mine, I have included my Carer's allowance in the incoming's, which will have to pay for topping up my phone, paying my catalogue and paying the overdraft back to HSBC (was the only joint debt we had) so how does this work, can I exclude my allowance on the forms, to cover these costs? I don't really contribute to the groceries etc, as been saving a little of the carer's so I have some behind me, to pay the debts I have.
Travel expenses not guranteed every month, and neither is shift allowance, as far as I am aware.



Thank you

Yes, you're allowed your own money for your own debts and living expenses and this amount should be deducted from your carers allownace, as it's yours, not your OH's or the household you don't include all of it in the income.

Sammy3008

Thank you