OR Interview pending

Tagnut1999

Despite being signed off and everything else she has had to do she did manage to get 6 interviews although none actually resulted in a job. From what I understand at the moment it is quite difficult for people to get interviews.

sizzler

Yes just put 35 or 40.

As I say as long as you can expleain like you have to OR. They will let you know if any changes.

Best of Luck sizzler:)

Tagnut1999

sizzler wrote: »

Yes just put 35 or 40.

As I say as long as you can expleain like you have to OR. They will let you know if any changes.

Best of Luck sizzler:)

But what about gifts and entertainment and other misc payments that's where I got the £80.00 from

The OR already has our outgoings, just need to talk to him about them.

Tagnut1999

Wife has just corrected me, she has lost 3st 12lb

sizzler

That great news.:j


But what about gifts and entertainment and other misc payments that's where I got the £80.00 from

That is what most ORS would allow for hols. Most do not allow gifts and entertainment and other misc payments

sizzler:)

Tagnut1999

dojoman wrote: »

Can you redo your SOA using the link below please?

http://www.makesenseofcards.com/soacalc.html

Statement of Affairs and Personal Balance Sheet

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

Monthly Income Details
Monthly income after tax................ 1630
Partners monthly income after tax....... 280
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 1910

Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 500
Management charge (leasehold property).. 0
Council tax............................. 126
Electricity............................. 80
Gas..................................... 70
Oil..................................... 0
Water rates............................. 25
Telephone (land line)................... 25
Mobile phone............................ 30
TV Licence.............................. 12
Satellite/Cable TV...................... 0
Internet Services....................... 15
Groceries etc. ......................... 420
Clothing................................ 40
Petrol/diesel........................... 68
Road tax................................ 8
Car Insurance........................... 47
Car maintenance (including MOT)......... 36
Car parking............................. 10
Other travel............................ 72
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 40
Pet insurance/vet bills................. 10
Buildings insurance..................... 0
Contents insurance...................... 30
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 25
Haircuts................................ 17
Entertainment........................... 20
Holiday................................. 35
Emergency fund.......................... 0
Union................................... 11
College................................. 89
Total monthly expenses.................. 1861


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.................... 1,910
Expenses (including HP & secured debts). 1,861
Available for debt repayments........... 49
Monthly UNsecured debt repayments....... 0
Amount left after debt repayments....... 49

Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -0
Total Unsecured debt.................... -0
Net Assets.............................. 0

Created using the SOA calculator at https://www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission, using other browser.

Tagnut1999

sizzler wrote: »

That great news.:j


But what about gifts and entertainment and other misc payments that's where I got the £80.00 from

That is what most ORS would allow for hols. Most do not allow gifts and entertainment and other misc payments

sizzler:)

I did not realise. That's funny you can go on holiday but they won't allow you to get gifts for family or go to the pictures once a month???

sizzler

I know strange any pleasures or treats have to come out of any surplus from grocerys or living expense:eek:

sniggings

also you say you are in arrears with some bills,those should have been in your BR,be ready to convince the OR as some amounts do seem on the high side,but no two ORs are the same so you never know,let us know how you get on.

dojoman

Tagnut1999 wrote: »

Statement of Affairs and Personal Balance Sheet

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

Monthly Income Details
Monthly income after tax................ 1630
Partners monthly income after tax....... 280
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 1910

Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 500
Management charge (leasehold property).. 0
Council tax............................. 126
Electricity............................. 80
Gas..................................... 70
Oil..................................... 0
Water rates............................. 25
Telephone (land line)................... 25
Mobile phone............................ 30
TV Licence.............................. 12
Satellite/Cable TV...................... 0
Internet Services....................... 15
Groceries etc. ......................... 420
Clothing................................ 40
Petrol/diesel........................... 68
Road tax................................ 8
Car Insurance........................... 47
Car maintenance (including MOT)......... 36
Car parking............................. 10
Other travel............................ 72
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 40
Pet insurance/vet bills................. 10
Buildings insurance..................... 0
Contents insurance...................... 30
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 25 NOT ALLOWED
Haircuts................................ 17
Entertainment........................... 20 NOT ALLOWED
Holiday................................. 35
Emergency fund.......................... 0
Union................................... 11
College................................. 89
Total monthly expenses.................. 1861


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.................... 1,910
Expenses (including HP & secured debts). 1,861
Available for debt repayments........... 49
Monthly UNsecured debt repayments....... 0
Amount left after debt repayments....... 49

Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -0
Total Unsecured debt.................... -0
Net Assets.............................. 0

Created using the SOA calculator at https://www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission, using other browser.

Hope this helps, as others have said some things do seem high, but each OR examiner is different so leave them on and see what they say.