my SOA - any advice?

sazaboo

Monthly Income (after tax) 1274
Benefits 130

outgoings -

Rent 450
Council Tax 74
Electricity 90
Water Rates 12
Mobile Phone 25
TV Licence 12
Satellite/Cable TV/ Internet Services 35
Groceries etc. 300
Clothing inc smart work wear and uniform for daughter 50
Petrol/Diesel 100
Road Tax (car) 20 per year
Car Insurance 48
Car Maintenance (including MOT and breakdown) 160 per year
Contents Insurance 8
Household Emergency Fund (e.g. for repairs) 10

so this is my SOA for when i go Br in september, im looking to make sure it is as good as it can be so im not going to struggle when the take the OPA/IPA thingy!

thanks for your time guys!

tiredofworrying

£20 car tax per yearare you sure? My car is due this month £104 for 6 months! also water looks cheap and contents ins? How many people in the house? Do kids have activities?
dentist,hair cuts,prescriptions, pets,optitions, i put everything down on mine got told couldn't put hols but they gave us £80 per month for these i had only put 40per month for family of 3 so they did me a favour there!lol
Have a look at what other people have put as soa get some ideas. Plus tv licence is due£13 per month.
Hope this helps?
Tow. ;-)

shelly1965

Can i ask much do you owe?

Are you married, or is your outgoings all your own?

Is your car on hp or less than 2 years old.

Sorry but it just gives abit for information to go on, thanks.

sazaboo

car is on hp
tax is low as its a low emmission car, citreon c3 - no equity in car, hoping to keep it as i take my daughter to her dads/school etc
total debt is 30k mostly joint, my ex doesnt work or pay towards the debt or any maintenance
daughter does ballet and swimming so can i add £30 a month for that?

just me and my daughter in our flat, water is cheap but metered so trust the bill yorkshire water sends us...
also contents is nothing special - churchill?? only contents though - and ive not got anything!

thanks for your replies - all very useful!

tiredofworrying

Yes put down daughters activities! Not sure about the hp on car i git to keep mine as they would prob want paying to take it ,its that bad! Lol is that enough for petrol i put 200 but depends how far work is? But i take my daughter to her dads etc and get to work visit family. With nine they dropped things down and took things off but also added and upper things so they was very fair. If you don't put it on you won't know they can only say no, don't ask you don't get!! Plus on the ex thing why are you taking your daughter and picking her up when he is not giving you anything ave you looked at csa? Sorry just annoys me!! Your struggling an goin through all this on your own he gets off Scott free!
;-)

tiredofworrying

Sorry about my spelling phone has a mind of its own!!!:-*

laurel7172

He won't get off Scot-free if the debts are in joint names....

tiredofworrying

Oh yes sorry wasn't thinking.

kepar

You will probably lose the car, as the HP company will take it back.

Do you need a car for work? To be able to get a replacement you are going to have to come up with a good case, IMO taking your daughter to school and her dads probably won't be good enough.

tigerfeet2006

Sazza, as has been said you will probably loose the HP car as the HP co. will most likely take it back if you go BR. You will need a really compelling reason to be allowed to keep the car. Is the school not walkable? Buses? Do you work? I would hazzard a guess that the OR will say it is your Ex's job to sort out seeing his child. Do you have a court action saying you need to drive them to your Ex.

sazaboo

hi guys, thanks for the replies,

CCCS counsellor told me i had a fair case to keep car? - my ex doesnt drive (grrrr) and it would be upsetting my daughters routine if she was on buses for over an hour as he lives miles away...there is a contact order but it would hinder this argument, so im leaving it out...her school isnt walking distance and I work just out of the city centre, catching buses would mean less hours in work earning??

the car is worth the outstanding balance, no more - no less. about 2k. tax is very cheap and its cheap to run...im hopeful but wouldnt be suprised if they did...id just have to work round it somehow