Can anyone tell me where i can save on my soa?

kirstyjessen

Hi Everyone,

Just wondering if anyone can help me with my SOA see if I can change and reduce any of it? The sky and Bt can't change until March 2011 due to a contract and they have said I am not able to reduce the package.

The reason I am in council tax and housing benefit debt is that I was off work for 6 months due to leaving a job I was given housing benefit and they provided this to me which I gave straight to my landlord. now even through I told them that I receive £260 disability they did not account for this so now they have taken me to court and i've been ordered to pay this amount can anyone help me?

I have epelepsy, arthritus, sugar problems and blood pressure problems I am also in a leg brace at the moment so not able to get extra job normally I walk to work but now I am having to walk (explaining the £40 a month bus fare) can anyone help me? the reason my pay is low is that I am a temporary worker so not on permanent pay package.



Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 1
Number of children in household......... 0
Number of cars owned.................... 0
Monthly Income Details
Monthly income after tax................ 940
Partners monthly income after tax....... 0
Benefits................................ 260
Other income............................ 0
Total monthly income.................... 1200
Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 275
Management charge (leasehold property).. 0
Council tax............................. 90
Electricity............................. 40
Gas..................................... 50
Oil..................................... 0
Water rates............................. 50
Telephone (land line)................... 12
Mobile phone............................ 25
TV Licence.............................. 17
Satellite/Cable TV...................... 49
Internet Services....................... 20
Groceries etc. ......................... 100
Clothing................................ 5
Petrol/diesel........................... 0
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 40
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 7.13
Buildings insurance..................... 0
Contents insurance...................... 13
Life assurance ......................... 0
Other insurance......................... 10
Presents (birthday, christmas etc)...... 5
Haircuts................................ 1.75
Entertainment........................... 10
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 819.88

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
COUNCIL TAX....................860.......860.......0
HOUSING BENEFIT................395.......395.......0
Total unsecured debts..........1255......1255......-

Monthly Budget Summary
Total monthly income.................... 1,200
Expenses (including HP & secured debts). 819.88
Available for debt repayments........... 380.12
Monthly UNsecured debt repayments....... 1,255
Amount short for making debt repayments. -874.88
Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -0
Total Unsecured debt.................... -1,255
Net Assets.............................. -1,255
Created using the SOA calculator at www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission, using IE browser.

Pink.

Hi kirstyjessen,

The best place to get help with your SOA is from the experts on the Debt-Free Wannabe board so I'll move your thread over there.

Pink

kirstyjessen

Pink-winged wrote: »

Hi kirstyjessen,

The best place to get help with your SOA is from the experts on the Debt-Free Wannabe board so I'll move your thread over there.

Pink

Thank you pink I wasn't sure where I should put it

x

curlytop12

kirstyjessen wrote: »

hi everyone,

just wondering if anyone can help me with my soa see if i can change and reduce any of it? The sky and bt can't change until march 2011 due to a contract and they have said i am not able to reduce the package.

The reason i am in council tax and housing benefit debt is that i was off work for 6 months due to leaving a job i was given housing benefit and they provided this to me which i gave straight to my landlord. Now even through i told them that i receive £260 disability they did not account for this so now they have taken me to court and i've been ordered to pay this amount can anyone help me?

I have epelepsy, arthritus, sugar problems and blood pressure problems i am also in a leg brace at the moment so not able to get extra job normally i walk to work but now i am having to walk (explaining the £40 a month bus fare) can anyone help me? The reason my pay is low is that i am a temporary worker so not on permanent pay package.



statement of affairs and personal balance sheet
household information
number of adults in household........... 1
number of children in household......... 0
number of cars owned.................... 0
monthly income details
monthly income after tax................ 940
partners monthly income after tax....... 0
benefits................................ 260
other income............................ 0
total monthly income.................... 1200
monthly expense details
mortgage................................ 0
secured/hp loan repayments.............. 0
rent.................................... 275
management charge (leasehold property).. 0
council tax............................. 90
electricity............................. 40 seems high for 1 person ?check compare sites
gas..................................... 50 as above
oil..................................... 0
water rates............................. 50 as above
telephone (land line)................... 12
mobile phone............................ 25 ?reduce or go payg
tv licence.............................. 17
satellite/cable tv...................... 49
internet services....................... 20
groceries etc. ......................... 100
clothing................................ 5
petrol/diesel........................... 0
road tax................................ 0
car insurance........................... 0
car maintenance (including mot)......... 0
car parking............................. 0
other travel............................ 40
childcare/nursery....................... 0
other child related expenses............ 0
medical (prescriptions, dentist etc).... 0
pet insurance/vet bills................. 7.13
buildings insurance..................... 0
contents insurance...................... 13
life assurance ......................... 0
other insurance......................... 10 is this needed?
presents (birthday, christmas etc)...... 5
haircuts................................ 1.75
entertainment........................... 10
holiday................................. 0
emergency fund.......................... 0
total monthly expenses.................. 819.88

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
council tax....................860.......860.......0
housing benefit................395.......395.......0
total unsecured debts..........1255......1255......-

monthly budget summary
total monthly income.................... 1,200
expenses (including hp & secured debts). 819.88
available for debt repayments........... 380.12
monthly unsecured debt repayments....... 1,255
amount short for making debt repayments. -874.88
personal balance sheet summary
total assets (things you own)........... 0
total hp & secured debt................. -0
total unsecured debt.................... -1,255
net assets.............................. -1,255
created using the soa calculator at www.makesenseofcards.com.
reproduced on moneysavingexpert with permission, using ie browser.

well done for posting,more knowledgeable people will be here soon!:)

curlytop12

P.s are you sure you are now claiming for all you should?

HappyMJ

Dont' believe what Sky say. The package can be reduced. You need to get the right person on the phone and it can be cut down to £19 per month even if you are in contract.

talana

COUNCIL TAX....................860.......860.......0
HOUSING BENEFIT................395.......395.......0

Will these not accept an arrangement to repay in installments?
Have you offered?

Tell them you're willing and able to pay, but at £150 per month for example rather than one lump sum. They can take you to court, but if you haven't got the money to pay as a lump sum then realistically they would have to accept your offer surely?

MFWannabe

kirstyjessen wrote: »

Hi Everyone,

Just wondering if anyone can help me with my SOA see if I can change and reduce any of it? The sky and Bt can't change until March 2011 due to a contract and they have said I am not able to reduce the package.

The reason I am in council tax and housing benefit debt is that I was off work for 6 months due to leaving a job I was given housing benefit and they provided this to me which I gave straight to my landlord. now even through I told them that I receive £260 disability they did not account for this so now they have taken me to court and i've been ordered to pay this amount can anyone help me?

I have epelepsy, arthritus, sugar problems and blood pressure problems I am also in a leg brace at the moment so not able to get extra job normally I walk to work but now I am having to walk (explaining the £40 a month bus fare) can anyone help me? the reason my pay is low is that I am a temporary worker so not on permanent pay package.



Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 1
Number of children in household......... 0
Number of cars owned.................... 0
Monthly Income Details
Monthly income after tax................ 940
Partners monthly income after tax....... 0
Benefits................................ 260
Other income............................ 0
Total monthly income.................... 1200
Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 275
Management charge (leasehold property).. 0
Council tax............................. 90 - Are you getting single person discount?
Electricity............................. 40 - This is high for one person - check comparison sites
Gas..................................... 50 - This is high for one person - check comparison sites
Oil..................................... 0
Water rates............................. 50 - This is very high; is some of this for arrears?
Telephone (land line)................... 12
Mobile phone............................ 25 - Change to payg
TV Licence.............................. 17 - this should be £12? Or is some of it arrears?
Satellite/Cable TV...................... 49 - You can drop to minimum package; even if in contract; call them again
Internet Services....................... 20
Groceries etc. ......................... 100
Clothing................................ 5
Petrol/diesel........................... 0
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 40
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 7.13
Buildings insurance..................... 0
Contents insurance...................... 13
Life assurance ......................... 0
Other insurance......................... 10 - What is this for?
Presents (birthday, christmas etc)...... 5
Haircuts................................ 1.75
Entertainment........................... 10
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 819.88

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
COUNCIL TAX....................860.......860.......0 - Do you have to pay all this in one go? Contact them and see if you can pay back in instalments
HOUSING BENEFIT................395.......395.......0 -Do you have to pay all this in one go? Contact them and see if you can pay back in instalments
Total unsecured debts..........1255......1255......-

Monthly Budget Summary
Total monthly income.................... 1,200
Expenses (including HP & secured debts). 819.88
Available for debt repayments........... 380.12
Monthly UNsecured debt repayments....... 1,255
Amount short for making debt repayments. -874.88
Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -0
Total Unsecured debt.................... -1,255
Net Assets.............................. -1,255
Created using the SOA calculator at www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission, using IE browser.

Hi
Welcome to the board. I've put some comments in your soa above.
Ring council tax and Housing benefit and explain that you can't pay in full but could pay x amount per month to clear these

evening2005

Can you investigate getting a water meter? If you go to your water supplier's website they will probably have a "calculator" thing to help you decide if one will help. I live in a flat on my own and I am hoping to save ~£30 per month when I have my meter fitted.

dancingfairy

Hi - there clearly isn't scope in your SOA to cut back by the amount needed.
You need to double check whether you do indeed owe this money or whether there has been some mistake - if you provided the correct info to the council and it's there mistake they may be able to write off the debt - maybe try the benefits board or try your local CAB to try and get to the bottom of it all.
If it is established that you do owe the money back then you need to try and arrange a repayment plan with the council or perhaps through the courts - again people on the benefits board or your local CAB should be able to help with this.
Good Luck
df
You could also try your MP who may be able to intervene.

Penelope_Penguin

kirstyjessen wrote: »

Monthly Budget Summary
Total monthly income.................... 1,200
Expenses (including HP & secured debts). 819.88
Available for debt repayments........... 380.12
Monthly UNsecured debt repayments....... 1,255 This isn't the monthly figure; it looks like this is the total unsecured debt
Amount short for making debt repayments. -874.88 I don't think you're short at all
Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -0
Total Unsecured debt.................... -1,255
Net Assets.............................. -1,255

Have you listed your unsecured debts (sorry, I can't see them ).

Good luck! You've made a good first step coming on here :T