My SOA Revised.

karend1980

Third time lucky lol

Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 1
Number of children in household......... 4
Number of cars owned.................... 0
Monthly Income Details
Monthly income after tax................ 0
Partners monthly income after tax....... 0
Benefits................................ 1239 CB CTC IS
Other income............................ 664 HB
Total monthly income.................... 1903
Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 705
Management charge (leasehold property).. 0
Council tax............................. 0
Electricity............................. 55
Gas..................................... 55
Oil..................................... 0
Water rates............................. 41
Telephone (land line)................... 60
Mobile phone............................ 0
TV Licence.............................. 13
Satellite/Cable TV...................... 0
Internet Services....................... 10
Groceries etc. ......................... 550
Clothing................................ 100
Petrol/diesel........................... 0
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 130
Childcare/nursery....................... 0
Other child related expenses............ 60
Medical (prescriptions, dentist etc).... 10
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 19
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 30
Entertainment........................... 0
Holiday................................. 75
Emergency fund.......................... 0
Total monthly expenses.................. 1913

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
LTSB Loan 1....................10000.....300.......0
LTSB loan2.....................8500......285.......0
LTSB Card......................900.......35........0
Barcleycard....................900.......30........0
Freemans.......................200.......33........0
Empirestores...................200.......30........0
Marshall Ward..................285.......33........0
LTSB Overdraft.................2300......35........0
Total unsecured debts..........23285.....781.......-

Monthly Budget Summary
Total monthly income.................... 1,903
Expenses (including HP & secured debts). 1,913
Available for debt repayments........... -10
Monthly UNsecured debt repayments....... 781
Amount short for making debt repayments. -791
Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -0
Total Unsecured debt.................... -23,285
Net Assets.............................. -23,285
Created using the SOA calculator at www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission, using IE browser.

HappyMJ

Perfect....now just trim £10 off your expenses so that it exactly matches your income and you're away.

karend1980

Now got to put this into my paper work somehow. I have added my LHA but I havent had any payments yet.. So no statements to prove it. Do I need bank statements??? I dont ever get paper ones. Everything is online viewing only?.

confused76

eventually the OR asks for bank statements, she asked me for one years, i printed my bank ones off the online system. if you don't have statements don't worry the OR can get them straight from the bank/cc company relatively easily

karend1980

Once I have got my Cashminder account through I'm going to start the process off !