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

kirstyjessen

sofababe wrote: »

Who has informed you of this? I have just been on entitledto.com and I'd say you are definitely entitled to HB and CTB. Have you applied? Was it the Council's benefits department that told you this? Please apply. This is why you pay your taxes, so that in hard times you can claim some back

Thank you sofababe, I will get the form and fill it out again on saturday our council here takes up to 21 days to reply back to a form so will apply again if i can get it i won't have a change of getting a back paymetn I am determined to get this all paid off I have also been good and of course i had sky etc when I had my job. surprising how thigns can suddenly change when you least expect it I had been saving and when i lost my job i could get job seekers until my savings were a certain amount so i had to use my savings to live on.

You know sometimes when you wish you just had your mum to cuddle. thats how I am feeling today. I really miss her today. is that wrong seeming as i'm 24?

MFWannabe

kirstyjessen wrote: »

Hi Everyone,

So I have managed to take a few things down and managed to get my council tax debt plus my current council tax bill all in one plan instead of £160 a month its £125 and gas amount of £51 being included in my payment plan. I am still out by £23.68 so anyhelp would be great. Also does anyone know if you can claim housing and council tax benefit when you are earning £238 a week and your rent is £550?

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................ 954.32
Partners monthly income after tax....... 0
Benefits................................ 100
Other income............................ 0
Total monthly income.................... 1054.32

Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 550 - How long have you been renting this property? It may be worth asking the letting agent/ landlord if you could reduce the rent for a while.
Management charge (leasehold property).. 0
Council tax............................. 0
Electricity............................. 50
Gas..................................... 50
Oil..................................... 0
Water rates............................. 30
Telephone (land line)................... 20
Mobile phone............................ 20 - You said above that this is the lowest for calls and texts required; are they all necessary?
TV Licence.............................. 17
Satellite/Cable TV...................... 40 - I can't understand why Sky are saying this is the minimum as the minimum package is £19 and HD is £10 which total £29
Internet Services....................... 15 - Could you get this cheaper by including it with Sky?
Groceries etc. ......................... 70
Clothing................................ 10
Petrol/diesel........................... 0
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 20
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 15
Buildings insurance..................... 0
Contents insurance...................... 0
Life assurance ......................... 0
Other insurance......................... 13
Presents (birthday, christmas etc)...... 10
Haircuts................................ 3
Entertainment........................... 20
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 953


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 ...................1599......125.......0
Total unsecured debts..........1599......125.......-


Monthly Budget Summary
Total monthly income.................... 1,054.32
Expenses (including HP & secured debts). 953
Available for debt repayments........... 101.32
Monthly UNsecured debt repayments....... 125
Amount short for making debt repayments. -23.68

Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -0
Total Unsecured debt.................... -1,599
Net Assets.............................. -1,599

Created using the SOA calculator at www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission, using IE browser.

Hi

I've made some comments above where you could possibly make come cutbacks to make up the shortfall

sofababe

kirstyjessen wrote: »

Thank you sofababe, I will get the form and fill it out again on saturday our council here takes up to 21 days to reply back to a form so will apply again if i can get it i won't have a change of getting a back paymetn I am determined to get this all paid off I have also been good and of course i had sky etc when I had my job. surprising how thigns can suddenly change when you least expect it I had been saving and when i lost my job i could get job seekers until my savings were a certain amount so i had to use my savings to live on.

You know sometimes when you wish you just had your mum to cuddle. thats how I am feeling today. I really miss her today. is that wrong seeming as i'm 24?

I'm 40 and still need a hug sometimes, and there's no one quite like a mum when u need one of those is there?
I know what u mean about things changing quickly. In June 08 I had 2 weeks booked off work for a holiday to Tunisia with my OH, 6 days before we left he walked out on me. I spent the 2 weeks crying and in complete disarray. Didn't go on holiday obviously so that was £622 well spent:mad: When I got back to work I was told that the store was closing in 2 weeks and I was being made redundant:eek: So in the space of 2 or 3 weeks I went from 2 healthy(ish) wage packets to one JSA. Quite a shock to the system, and the purse!!!

kirstyjessen

Hi Everyone,

Spoken to sky again they have said they can reduce it to £30 but will not go any lower than that even through i explained my situation so thats £19 off the bill and worked out that i do 8am-5pm that i could get another job 5pm-12am as well to be able get everything paid off quicker so would be up at 6am and asleep by 2am so that should work out okay going to start looking for a few positions now