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Please check my SOA
joobie538
Posts: 46 Forumite
Can someone please check my soa, I have just moved house lovely victorian flat electric only with storage heaters and i know from past experience they cost a fortune to run.
My OH doesn't work FT at the moment, he doesn't receive JSA as I earn too much, But he does pick up the odd temp job here and there.
I've added the laundry costs as we have no washing machine and have to use the local laundrette which costs a bomb.
Ta muchly x
Household Information
Number of adults in household........... 2
Number of children in household......... 0
Number of cars owned....................
Monthly Income Details
Monthly income after tax................ 1240
Partners monthly income after tax....... 200
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 1440
Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 450
Management charge (leasehold property).. 0
Council tax............................. 100
Electricity............................. 70
Gas..................................... 0
Oil..................................... 0
Water rates............................. 20
Telephone (land line)................... 50
Mobile phone............................ 0
TV Licence.............................. 10
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 300
Clothing................................ 75
Petrol/diesel........................... 0
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 120
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 30
Pet insurance/vet bills................. 20
Buildings insurance..................... 0
Contents insurance...................... 25
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 25
Entertainment........................... 0
Holiday................................. 50
Emergency fund.......................... 0
Laundry costs........................... 40
Total monthly expenses.................. 1385
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.................... 1,440
Expenses (including HP & secured debts). 1,385
Available for debt repayments........... 55
Monthly UNsecured debt repayments....... 0
Amount left after debt repayments....... 55
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]
My OH doesn't work FT at the moment, he doesn't receive JSA as I earn too much, But he does pick up the odd temp job here and there.
I've added the laundry costs as we have no washing machine and have to use the local laundrette which costs a bomb.
Ta muchly x
Household Information
Number of adults in household........... 2
Number of children in household......... 0
Number of cars owned....................
Monthly Income Details
Monthly income after tax................ 1240
Partners monthly income after tax....... 200
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 1440
Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 450
Management charge (leasehold property).. 0
Council tax............................. 100
Electricity............................. 70
Gas..................................... 0
Oil..................................... 0
Water rates............................. 20
Telephone (land line)................... 50
Mobile phone............................ 0
TV Licence.............................. 10
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 300
Clothing................................ 75
Petrol/diesel........................... 0
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 120
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 30
Pet insurance/vet bills................. 20
Buildings insurance..................... 0
Contents insurance...................... 25
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 25
Entertainment........................... 0
Holiday................................. 50
Emergency fund.......................... 0
Laundry costs........................... 40
Total monthly expenses.................. 1385
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.................... 1,440
Expenses (including HP & secured debts). 1,385
Available for debt repayments........... 55
Monthly UNsecured debt repayments....... 0
Amount left after debt repayments....... 55
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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Hello Joobie, I'm not very good with SOA's just bumping you up the board x"If wishes were horses, then beggars would ride"
0 -
Hi
Like Wishes I am not great so will bump you up.
Sorry to ask but £75 a month for clothes?? Not sure they will allow that. Also not sure if as much as 25 is allowed for haircuts, but please wait as someone else with more experience will help. I think you TV licence should go up to 11 or 12 per month - I think mine is something like 11.95 a month.
Good luckThe worst cliques are those which consist of one man ~ George Bernard Shaw
Holiday Saving fund 2010 = £25.00
WeightLoss 2010 = +6lbs 
BSC 292
June NSD 11 :TJuly NSD 15:TAugust NSD 14:TSeptember 9:T October 19:jNovember 15/110 -
Before I look at it are you both going bankrupt?Hi, we’ve had to remove your signature. If you’re not sure why please read the forum rules or email the forum team if you’re still unsure - MSE ForumTeam0
-
No, I'm already bankrupt but have moved in to a new house with OH since then, so Moonbeever have asked for a new SOA.0
-
Can someone please check my soa, I have just moved house lovely victorian flat electric only with storage heaters and i know from past experience they cost a fortune to run.
My OH doesn't work FT at the moment, he doesn't receive JSA as I earn too much, But he does pick up the odd temp job here and there.
I've added the laundry costs as we have no washing machine and have to use the local laundrette which costs a bomb.
Ta muchly x
Household Information
Number of adults in household........... 2
Number of children in household......... 0
Number of cars owned....................
Monthly Income Details
Monthly income after tax................ 1240
Partners monthly income after tax....... 200
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 1440
Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 450
Management charge (leasehold property).. 0
Council tax............................. 100
Electricity............................. 70
Gas..................................... 0
Oil..................................... 0
Water rates............................. 20
Telephone (land line)................... 50
Mobile phone............................ 0
TV Licence.............................. 10
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 300
Clothing................................ 75 £50 for one person. OH has to pay for his own clothes.
Petrol/diesel........................... 0
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 120 is this just your travel?
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 30 £20 for one OH has to pay for his own
Pet insurance/vet bills................. 20
Buildings insurance..................... 0
Contents insurance...................... 25
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 25 £10 for you OH has to pay for his own
Entertainment........................... 0
Holiday................................. 50
Emergency fund.......................... 0
Laundry costs........................... 40
Total monthly expenses.................. 1385
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.................... 1,440
Expenses (including HP & secured debts). 1,385
Available for debt repayments........... 55
Monthly UNsecured debt repayments....... 0
Amount left after debt repayments....... 55
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]
Up your groceries to £400,
Will that £70 electric cover you for winter as well?Hi, we’ve had to remove your signature. If you’re not sure why please read the forum rules or email the forum team if you’re still unsure - MSE ForumTeam0
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