new updated SOA, please check? BR 31st March!!!

horseypony

Statement of Affairs and Personal Balance Sheet
Monthly Income Details
Monthly income after tax................ 1214
Partners monthly income after tax....... 0
Benefits................................ 1116
Other income............................ 398
Total monthly income.................... 2728
Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 650
Management charge (leasehold property).. 0
Council tax............................. 160
Electricity............................. 100
Gas..................................... 90
Oil..................................... 0
Water rates............................. 40
Telephone (land line)................... 78
Mobile phone............................ 0
TV Licence.............................. 12
Satellite/Cable TV...................... 0
Internet Services....................... 20
Groceries etc. ......................... 600
Clothing................................ 150
Petrol/diesel........................... 150
Road tax................................ 20
Car Insurance........................... 35
Car maintenance (including MOT)......... 45
Car parking............................. 10
Other travel............................ 0
Childcare/nursery....................... 100
Other child related expenses............ 145
Medical (prescriptions, dentist etc).... 33
Pet insurance/vet bills................. 30
Buildings insurance..................... 0
Contents insurance...................... 27
Life assurance ......................... 36
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 30
Entertainment........................... 0
Holiday................................. 80
Emergency fund.......................... 0
Total monthly expenses.................. 2641

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.................... 2,728
Expenses (including HP & secured debts). 2,641
Available for debt repayments........... 87
Monthly UNsecured debt repayments....... 0
Amount left after debt repayments....... 87
Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -0
Total Unsecured debt.................... -0
Net Assets.............................. 0

debtinfo

looks ok to me, the OR might cut it a bit for instance the life assurance, but as i say you dont get if you dont ask

blind-as-a-bat_2

The Groceries etc. bit jumps out to me as bit high, but you have not included how many it is for, depending on that telephone and holidays may be in question, but witout knowing the family unit makeup, its hard for me or anyone else to comment, unless you have said elswhere and i missed it, which by debts reply i guess you may have

So_Sad_Angel

Its difficult without seeing how many in the household. Home phone at 70 with extra internet a further 20 seems high...is it required for work ? Also extra child related expenses at a further 145 plus childcare at 100 could seem excessive maybe..

Could do with an overview of the situation to put it all in context. (sorry if I missed it in previous threads.)

Angiexx

horseypony

sorry 2 adults, 2 children

blind-as-a-bat_2

Then the other factor is where you live DONT ANSWER THAT:eek::p

The average for Groceries etc. is £100 less, but varies to where you live, both up and down, so is only a guide, likewise for the other things mentioned.

but as debt seems happy to leave them, do so and see what happens;)

So_Sad_Angel

I read back & guess that you have added mobiles in your main phone amount.

i`m sure the guidelines have altered recently for groceries so not sure about that figure. The extra child related expenses will likely get questioned though I think.

blind-as-a-bat_2

So_Sad_Angel wrote: »

I read back & guess that you have added mobiles in your main phone amount.

i`m sure the guidelines have altered recently for groceries so not sure about that figure. The extra child related expenses will likely get questioned though I think.

The link to old and new is here http://www.bankruptcyandlivingwithit.co.uk/balwifrm/viewtopic.php?f=30&t=77 but i must stress they are just guidlines, as you say, so should not be seen as a target to fit in with, every case is differant on so many factors

And a agree the 'child other' seems high, but as they now count child benefit in the IPA calculations, on the whole they seem to be allowing more, though that exceeds CB for two i think, so yo may be right

Jaxb_2

blind-as-a-bat wrote: »

The link to old and new is here http://www.bankruptcyandlivingwithit.co.uk/balwifrm/viewtopic.php?f=30&t=77 but i must stress they are just guidlines, as you say, so should not be seen as a target to fit in with, every case is differant on so many factors

Just tried to click that link and we have websense filter in work and this is what came up!!!



What are you talking about on that forum?? :eek::rotfl:

IF

That's spooky jaxb, worked the last twice for me:eek:!!

blind-as-a-bat_2

Jaxb wrote: »

Just tried to click that link and we have websense filter in work and this is what came up!!!



What are you talking about on that forum?? :eek::rotfl:

I dont think anything is that bad, though i may know why, and it has nothing to do with the link, its a shared server, so who knows what the others sharing it may host:o

Will have to look into it though, as thats not good, unless you find average income and expenditure as sexy