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my soa
givemymoneyback
Posts: 48 Forumite
wednesday is fast approaching and im sh1ting myself!!!
just checking through all paperwork to make sure its ready and could someone check over my soa ad advise please?
2 adults living in house
1 car owned by myself
Monthly Income Details
Monthly income after tax................ 1280
Partners monthly income after tax....... 500
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 1780
Rent.................................... 625
Management charge (leasehold property).. 0
Council tax............................. 156
Electricity............................. 35
Gas..................................... 40
Oil..................................... 0
Water rates............................. 25
Telephone (land line)................... 45
Mobile phone............................ 0
TV Licence.............................. 12
Satellite/Cable TV...................... 21
Internet Services....................... 6
Groceries etc. ......................... 400
Clothing................................ 30
Petrol/diesel........................... 200
Road tax................................ 17
Car Insurance........................... 35
Car maintenance (including MOT)......... 30
Car parking............................. 15
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 15
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 13
Life assurance ......................... 0
Other insurance......................... 11
Presents (birthday, christmas etc)...... 0
Haircuts................................ 20
Entertainment........................... 0
Holiday................................. 40
Emergency fund.......................... 0
fire brigade food and drink............. 5
gym..................................... 30
Total monthly expenses.................. 1826
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.................... 1,780
Expenses (including HP & secured debts). 1,826
Available for debt repayments........... -46
Monthly UNsecured debt repayments....... 0
Amount short for making debt repayments. -46[/b]
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 www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission, using IE browser.[/font]
just checking through all paperwork to make sure its ready and could someone check over my soa ad advise please?
2 adults living in house
1 car owned by myself
Monthly Income Details
Monthly income after tax................ 1280
Partners monthly income after tax....... 500
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 1780
Rent.................................... 625
Management charge (leasehold property).. 0
Council tax............................. 156
Electricity............................. 35
Gas..................................... 40
Oil..................................... 0
Water rates............................. 25
Telephone (land line)................... 45
Mobile phone............................ 0
TV Licence.............................. 12
Satellite/Cable TV...................... 21
Internet Services....................... 6
Groceries etc. ......................... 400
Clothing................................ 30
Petrol/diesel........................... 200
Road tax................................ 17
Car Insurance........................... 35
Car maintenance (including MOT)......... 30
Car parking............................. 15
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 15
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 13
Life assurance ......................... 0
Other insurance......................... 11
Presents (birthday, christmas etc)...... 0
Haircuts................................ 20
Entertainment........................... 0
Holiday................................. 40
Emergency fund.......................... 0
fire brigade food and drink............. 5
gym..................................... 30
Total monthly expenses.................. 1826
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.................... 1,780
Expenses (including HP & secured debts). 1,826
Available for debt repayments........... -46
Monthly UNsecured debt repayments....... 0
Amount short for making debt repayments. -46[/b]
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 www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission, using IE browser.[/font]
0
Comments
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givemymoneyback wrote: »wednesday is fast approaching and im sh1ting myself!!!
just checking through all paperwork to make sure its ready and could someone check over my soa ad advise please?
2 adults living in house
1 car owned by myself
Monthly Income Details
Monthly income after tax................ 1280
Partners monthly income after tax....... 500
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 1780
Rent.................................... 625
Management charge (leasehold property).. 0
Council tax............................. 156
Electricity............................. 35 seems low...allow for winter bills as well?
Gas..................................... 40 ditto....
Oil..................................... 0
Water rates............................. 25
Telephone (land line)................... 45
Mobile phone............................ 0
TV Licence.............................. 12
Satellite/Cable TV...................... 21 not allowed would have to come from surplus
Internet Services....................... 6 not allowed unless for school/work use (stick it with telephone)
Groceries etc. ......................... 400
Clothing................................ 30
Petrol/diesel........................... 200
Road tax................................ 17
Car Insurance........................... 35
Car maintenance (including MOT)......... 30
Car parking............................. 15
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 15
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 13
Life assurance ......................... 0
Other insurance......................... 11
Presents (birthday, christmas etc)...... 0
Haircuts................................ 20
Entertainment........................... 0
Holiday................................. 40
Emergency fund.......................... 0
fire brigade food and drink............. 5
gym..................................... 30 NOT allowed unless for medical reasons then you'd have to provide proof to back up..and then not always a guarantee to keep
Total monthly expenses.................. 1826
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.................... 1,780
Expenses (including HP & secured debts). 1,826
Available for debt repayments........... -46
Monthly UNsecured debt repayments....... 0
Amount short for making debt repayments. -46[/b]
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 www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission, using IE browser.[/font]
you mention you own a car but you've not listed how much its worth in the assets bit...We all die. The goal isn't to live forever, the goal is to create something that will0 -
Originally Posted by givemymoneyback
wednesday is fast approaching and im sh1ting myself!!!
just checking through all paperwork to make sure its ready and could someone check over my soa ad advise please?
2 adults living in house
1 car owned by myself
Monthly Income Details
Monthly income after tax................ 1280
Partners monthly income after tax....... 500
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 1780
Rent.................................... 625
Management charge (leasehold property).. 0
Council tax............................. 156
Electricity............................. 35 seems low...allow for winter bills as well? 40?
Gas..................................... 40 ditto....45?
Oil..................................... 0
Water rates............................. 25
Telephone (land line)................... 45
Mobile phone............................ 0
TV Licence.............................. 12
Satellite/Cable TV...................... 21 not allowed would have to come from surplus
Internet Services....................... 6 not allowed unless for school/work use (stick it with telephone) needed for work
Groceries etc. ......................... 400
Clothing................................ 30
Petrol/diesel........................... 200
Road tax................................ 17
Car Insurance........................... 35
Car maintenance (including MOT)......... 30
Car parking............................. 15
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 15
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 13
Life assurance ......................... 0
Other insurance......................... 11
Presents (birthday, christmas etc)...... 0
Haircuts................................ 20
Entertainment........................... 0
Holiday................................. 40
Emergency fund.......................... 0
fire brigade food and drink............. 5
gym..................................... 30 NOT allowed unless for medical reasons then you'd have to provide proof to back up..and then not always a guarantee to keep needed for work
Total monthly expenses.................. 1826
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.................... 1,780
Expenses (including HP & secured debts). 1,826
Available for debt repayments........... -46
Monthly UNsecured debt repayments....... 0
Amount short for making debt repayments. -46[/b]
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 www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission, using IE browser.[/font]
sorry cars worth about 700quid, bit of a wreck!!! i use the internet for a nvq that im completing, access work stuff from home to complete it, as im a firefighter i need to keep a very high level of strength and fitness so thats why ive kept the gym membership in.0 -
The gym could be a difficult thing though...the OR usually will only allow for medical reasons BUT if its something needed for work you can only try & see what they sayWe all die. The goal isn't to live forever, the goal is to create something that will0
-
Please note, you will need to show you have some surplus money after you have made all payments -£46 shows that you couldn't afford to live with those outgoings.
I've added some comments below:givemymoneyback wrote: »wednesday is fast approaching and im sh1ting myself!!!
just checking through all paperwork to make sure its ready and could someone check over my soa ad advise please?
2 adults living in house
1 car owned by myself
Monthly Income Details
Monthly income after tax................ 1280
Partners monthly income after tax....... 500
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 1780
Rent.................................... 625
Management charge (leasehold property).. 0
Council tax............................. 156 Sound high to me - is this correct?
Electricity............................. 35
Gas..................................... 40
Oil..................................... 0
Water rates............................. 25
Telephone (land line)................... 45
Mobile phone............................ 0
TV Licence.............................. 12
Satellite/Cable TV...................... 21
Internet Services....................... 6
Groceries etc. ......................... 400 You might need to lower this a bit so you show an overall surplus - sounds a bit high.
Clothing................................ 30
Petrol/diesel........................... 200 Quite high, you might need to show how this was calculated
Road tax................................ 17
Car Insurance........................... 35
Car maintenance (including MOT)......... 30
Car parking............................. 15
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 15
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 13
Life assurance ......................... 0
Other insurance......................... 11
Presents (birthday, christmas etc)...... 0
Haircuts................................ 20
Entertainment........................... 0
Holiday................................. 40
Emergency fund.......................... 0
fire brigade food and drink............. 5
gym..................................... 30
Total monthly expenses.................. 1826
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.................... 1,780
Expenses (including HP & secured debts). 1,826
Available for debt repayments........... -46
Monthly UNsecured debt repayments....... 0
Amount short for making debt repayments. -46[/b]
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 www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission, using IE browser.[/font]0
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