SOA help needed please

gtanny

Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 2
Number of children in household......... 1
Number of cars owned.................... 0
Monthly Income Details
Monthly income after tax................ 1440
Partners monthly income after tax....... 0
Benefits................................ 80
Other income............................ 0
Total monthly income.................... 1520
Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 450
Council tax............................. 130
Electricity............................. 68
Gas..................................... 37
Water rates............................. 48
Telephone (land line)................... 60
Mobile phone............................ 0 (claim 20 a month back on expenses but have combined with land line)
TV Licence.............................. 12
Satellite/Cable TV...................... 0
Internet Services....................... 15 (not essential but make a big difference in making work easier)
Groceries etc. ......................... 350
Clothing................................ 40
Petrol/diesel........................... 150 (can vary from 100 - 250 depending on work but average of 150 with about 100 being private milage i cant claim back)
Road tax................................ 0 (company car)
Car Insurance........................... 0 (company car)
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 0 (is it worth putting somthing in here for my wife/daughter as they use the bus when im at work)
Childcare/nursery....................... 0
Other child related expenses............ 30 (dinner money, dancing & swimming)
Medical (prescriptions, dentist etc).... 40 (i am on 3 lots of medication (anti depressants and sleeping pills) and my wife is on 3 also) is it worth incrasing for dentist also?
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 20 (just gone up this month )
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 30
Entertainment........................... 0
Holiday................................. 40
Emergency fund.......................... 40
Total monthly expenses.................. 1560

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.................... 1,520
Expenses (including HP & secured debts). 1,560
Available for debt repayments........... -40
Monthly UNsecured debt repayments....... 0
Amount short for making debt repayments. -40



i know ive ended up with a minus figure but thats why ive been struggling so much to save up, i do work some OT but is very limited now and i dont really want to work it either once im BR as there is no personal benefit from it.

the hard bit to put in a SOA is i have to pay for my own diesel then claim it back minus private milage which meansit can be 50 claim back one month then the next month ive had to put 200 in which causes me massive problems trying to find that extra 150... to the extent my dad has been filling my car up for the last few months when im short and i must owe him over 300 in fuel costs alone let alone the food hes helped with along with buying my daughter a new bed when her old one broke and many other things.

cheers for the help in advance guys/gals

dojoman

Does your partner not contribute to the household expenses?

gtanny

dojoman wrote: »

Does your partner not contribute to the household expenses?

no she doesnt work as my daughter only started nursery this month and she only goes 15 hours a week before that she was a stay at home mum

confused76

http://www.nhsbsa.nhs.uk/1127.aspx

hi there
have you seen the prescription prepayment card you get? it works out as £10.40 a month which covers all of your prescriptions, so would work out cheaper for you...

gtanny

confused76 wrote: »

http://www.nhsbsa.nhs.uk/1127.aspx

hi there
have you seen the prescription prepayment card you get? it works out as £10.40 a month which covers all of your prescriptions, so would work out cheaper for you...

cheers ill look into that as ive only just been put onto my antidepressents but my wifehas been on her medication for a while.

we are at the hospital in early feb so should hopefully be able to get confirmation on how long she will be on them for as they might be changin them

kepar

The OR may not let you claim the private mileage, your only justification for having the car is for work. You may have trouble claiming it.

gtanny

kepar wrote: »

The OR may not let you claim the private mileage, your only justification for having the car is for work. You may have trouble claiming it.

commuting to and from work is classed as private milage (or should be there is a current 'workaround') but they have got very strict with milage currently, surely going to the shops for food/clothing and taking my daughter to nursery etc would be ok for private milage, or i would have to add public transport.

its a round trip of about 26 miles to and from work so it adds up, maybe not to £100 but a good £50-60 minimum

my main concern is what happens when i have a quiet month and only need £100 worth of diesel then have jobs all around the UK and need £300 the next month, would the OR give me the extra £200 or allow me to have it left in my account as a busy month fund of sorts

gtanny

Ok next stage done, just got back from coop and opened a cashminder account, they were really nice about the whole thing and it was accepted straight away, just got to wait for the paperwork and card so i can put some cash in just to properly activate the account within 20 days.

As horrible as this whole process has been it feels really nice to be finally geytting this sorted, nearly took two years but i can finally see the light at the end of the tunnel.

gtanny

so then ive filled in 90% of the paperwork following the guide on the CAB site its just the SOA and bank accounts when i get my cashminder details through

can anyone confirm if this SOA is acceptable, it leaves me with negative excess but that really is a usual month, were already scaping the freezer now and i dont get paid for 10 days

Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 2
Number of children in household......... 1
Number of cars owned.................... 0
Monthly Income Details
Monthly income after tax................ 1440
Partners monthly income after tax....... 0
Benefits................................ 80
Other income............................ 0
Total monthly income.................... 1520
Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 450
Council tax............................. 130
Electricity............................. 68
Gas..................................... 37
Water rates............................. 48
Telephone (land line)................... 60
Mobile phone............................ 0 (claim 20 a month back on expenses but have combined with land line)
TV Licence.............................. 12
Satellite/Cable TV...................... 0
Internet Services....................... 15 (not essential but make a big difference in making work easier)
Groceries etc. ......................... 350
Clothing................................ 40
Petrol/diesel........................... 150 (can vary from 100 - 250 depending on work but average of 150 with about 100 being private milage i cant claim back)
Road tax................................ 0 (company car)
Car Insurance........................... 0 (company car)
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 0 (is it worth putting somthing in here for my wife/daughter as they use the bus when im at work)
Childcare/nursery....................... 0
Other child related expenses............ 30 (dinner money, dancing & swimming)
Medical (prescriptions, dentist etc).... 30 (reduced a bit)
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 20 (just gone up this month )
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 30
Entertainment........................... 0
Holiday................................. 40
Emergency fund.......................... 40
Total monthly expenses.................. 1550

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.................... 1,520
Expenses (including HP & secured debts). 1,550
Available for debt repayments........... -30
Monthly UNsecured debt repayments....... 0
Amount short for making debt repayments. -30






also have i translated this corrently into the one in form 6.28


Rent...................................... 450
Housekeeping.............................. 380 (food, cleaning & child expenses)
Gas, Electricity, other heating........... 105
Water..................................... 48
Telephone Charges......................... 60
Travelling to and from work & essential....150
Clothing.................................. 40
Maintainance.............................. 0
Council Tax............................... 130
Other Essential payments.................. 187
breakdown:
TV Licence......... 12
Contents insurance. 20
Internet........... 15
Medical............ 30
Haircuts........... 30
Holiday............ 40
Emergency Fund..... 40

will they accept that im still in a negative?

also i know im entitled to child tax credits but ive tried to get the form multiple times and all i can presume is they keep sending it to my old address as i definatly havent recived it... why are these not available online or in the postoffice?!?!?!?:mad:

JCS1

Are you sure you're getting all the benefits that you're entitled too? Put your details in this website to check:

http://www.turn2us.org.uk/benefits_search.aspx

Edit - just saw the bit at the end of your post, I'm guessing CTC would help out with the minus amount on SOA too.

gtanny

JCS1 wrote: »

Are you sure you're getting all the benefits that you're entitled too? Put your details in this website to check:

http://www.turn2us.org.uk/benefits_search.aspx

Edit - just saw the bit at the end of your post, I'm guessing CTC would help out with the minus amount on SOA too.

ive been through that and CTC would get me an extra £220 a year so still in the red but only just, i was expecting this as it is normal on any month i dont get overtime that we have no cash whatsoever a week or so before payday.

i am as stated though currently on the sick so definatly no OT, and i will be talking to the manager letting him know after all this i will not be working any OT as it 1, is starting to affect my health mentally and physically and 2, is pointless if it means i have to pay it straight to the OR anyway.