getting early discharge need help with SOA

jefftodd

hi everyone im new on here and i am after a bit of help

i was made officially bankrupt on 7th may with £15200 worth of debt ( a bank loan taken out over 2 years ago)
and had been unemployed 8 months before i became bankrupt and was still unemployed after my bankruptcy


and at the end of september i have finally got a part time job with a wagon company working
only on saturdays and sundays and the odd occasional fridays when its available


on the 9th october 2010 i rang the official receiver and told her of my new circumstances and she said this was fine
as i am only doing a 2-3 days a week, and she did'nt need to know about it


she also told me on the phone that i will be getting EARLY DISCHARGE and she will be sending the paperwork out to me in the beginning of november


im trying to get my SOA sorted as im not sure if it is right so any help or advice would be appreciated



HERE ARE SOME OF MY COSTS WHICH IM A BIT UNCERTAIN OF

im living with my mam (HER HOUSE) and now she wants full rent of me now as im working and for the fact that i havent been paying her rent
for quite a while now as i have been unemployed and been living there for free

any way she wants a £120 a week of me for my rent but this cost also includes my WASHING, and my share of the ELECTRICITY, GAS, WATER,COUNCIL TAX and GENERAL upkeep around the house

and pay my half of the tv licence £6

i have to pay for my own food separately which is roughly £40 - £50 a week (ABOUT £180 a month)

we dont have a house phone anymore so i have a mobile which i definitely need for work which costs me £15 contract


i have a dog which costs me £20 a month on dog food but i have put this expenditure on the vet bills/pet insurance CAN I PUT THIS DOWN???

my car tax is £112.75 for 6 months and that equals to 18.79 a month. CAN I PUT THIS DOWN???

ALSO my car is going to need a cambelt/timing belt change done soon as my car is on 86000 miles and i have been told this is going
to cost between £200 - £350. but at the moment i cant afford it and im trying to save up to get it done
also it needs a full service which is going to cost me at least £50 - 80.

ive also had to pay £57 for a eye test and a pair glasses 2 weeks ago and i suffer from a stiff neck and shoulders and ususally go through a couple of tubes of MUSCLE HEAT RUB every month about £10. IS THIS OK???

many thanks



Monthly Income Details[/b]
Monthly income after tax................ 1000
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 1000

Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 480
Management charge (leasehold property).. 0
Council tax............................. 0
Electricity............................. 0
Gas..................................... 0
Oil..................................... 0
Water rates............................. 0
Telephone (land line)................... 0
Mobile phone............................ 15
TV Licence.............................. 6
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 180
Clothing................................ 30
Petrol/diesel........................... 120
Road tax................................ 18.79
Car Insurance........................... 35
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 20
Buildings insurance..................... 0
Contents insurance...................... 0
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 12
Entertainment........................... 0
Holiday................................. 25
Emergency fund.......................... 0
Total monthly expenses.................. 941.79


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.................... 1,000
Expenses (including HP & secured debts). 941.79
Available for debt repayments........... 58.21
Monthly UNsecured debt repayments....... 0
Amount left after debt repayments....... 58.21

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

fiveyearplan

jefftodd wrote: »

hi everyone im new on here and i am after a bit of help

i was made officially bankrupt on 7th may with £15200 worth of debt ( a bank loan taken out over 2 years ago)
and had been unemployed 8 months before i became bankrupt and was still unemployed after my bankruptcy


and at the end of september i have finally got a part time job with a wagon company working
only on saturdays and sundays and the odd occasional fridays when its available


on the 9th october 2010 i rang the official receiver and told her of my new circumstances and she said this was fine
as i am only doing a 2-3 days a week, and she did'nt need to know about it


she also told me on the phone that i will be getting EARLY DISCHARGE and she will be sending the paperwork out to me in the beginning of november


im trying to get my SOA sorted as im not sure if it is right so any help or advice would be appreciated



HERE ARE SOME OF MY COSTS WHICH IM A BIT UNCERTAIN OF

im living with my mam (HER HOUSE) and now she wants full rent of me now as im working and for the fact that i havent been paying her rent
for quite a while now as i have been unemployed and been living there for free

any way she wants a £120 a week of me for my rent but this cost also includes my WASHING, and my share of the ELECTRICITY, GAS, WATER,COUNCIL TAX and GENERAL upkeep around the house

and pay my half of the tv licence £6

i have to pay for my own food separately which is roughly £40 - £50 a week (ABOUT £180 a month)

we dont have a house phone anymore so i have a mobile which i definitely need for work which costs me £15 contract


i have a dog which costs me £20 a month on dog food but i have put this expenditure on the vet bills/pet insurance CAN I PUT THIS DOWN??? yes, you can include this

my car tax is £112.75 for 6 months and that equals to 18.79 a month. CAN I PUT THIS DOWN??? see below

ALSO my car is going to need a cambelt/timing belt change done soon as my car is on 86000 miles and i have been told this is going
to cost between £200 - £350. but at the moment i cant afford it and im trying to save up to get it done
also it needs a full service which is going to cost me at least £50 - 80. you put down a figure for car maintenance which will go in with the car tax

ive also had to pay £57 for a eye test and a pair glasses 2 weeks ago and i suffer from a stiff neck and shoulders and ususally go through a couple of tubes of MUSCLE HEAT RUB every month about £10. IS THIS OK??? put down £20 for dental/prescriptions/medical

many thanks



Monthly Income Details[/b]
Monthly income after tax................ 1000
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 1000

Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 480
Management charge (leasehold property).. 0
Council tax............................. 0
Electricity............................. 0
Gas..................................... 0
Oil..................................... 0
Water rates............................. 0
Telephone (land line)................... 0
Mobile phone............................ 15
TV Licence.............................. 6
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 180 200
Clothing................................ 30
Petrol/diesel........................... 120
Road tax................................ 18.79 19
Car Insurance........................... 35
Car maintenance (including MOT)......... 0 this is where you'd put your maintenance
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 0 20
Pet insurance/vet bills................. 20
Buildings insurance..................... 0
Contents insurance...................... 0
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 12 10
Entertainment........................... 0
Holiday................................. 25
Emergency fund.......................... 0
Total monthly expenses.................. 941.79


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.................... 1,000
Expenses (including HP & secured debts). 941.79
Available for debt repayments........... 58.21
Monthly UNsecured debt repayments....... 0
Amount left after debt repayments....... 58.21

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

I've made some comments in red above.

jefftodd

hi fiveyearplan thank you for your advice, greatly appreciated