SOA thingy etc etc

DramaQueen29

Well 2 weeks without broadband due to -well no idea lots of BT calls etc and theyve messed up completely with bills and trying to run 2 accounts and charge us for them!

Anyhow both myself and partner have interviews next year so fingers crossed
anyhow heres our SOA at last ( for now hoping its temporary!)


Expenditure Amount Monthly
Rent 550.00 ( 6 month contract)
Council tax waiting on award notice
Electric 40.00
Gas 40.00
Petrol 40.00
Hire purchase agreement 205.82
Water rates 27.00
Telephone 17.00 ( contract cannot leave)
Internet 32.00 ( contract cannot leave)
TV licence 11.97
Vehicle insurance 67.89
Road tax 22.50
Pet insurance 18.00
Housekeeping 70.00
Food 150.00
Pet food 40.00
Mobile phone 18.00
Sky 15.00


Total Expenditure 1386.17
Income from all sources Joint Job seekers allowance £90.10
Housing benefit £332.32
Total income £692.72
Less total expenditure - £693.45 eek!


I think thats right if Ive made a codge on the adding Im blaming my hangover!
this is just covering our general costs, does not inc creditors who i have written too and in process of making repayment plans with.

coxj2901

Hi There,

Have you contacted payplan to see if they can help you with a dmp? Also there seems to be items missing from your SOA, such as dental bills, hairdressers, holidays etc......

If you repost your full SOA then we can take a look and see if we can help.

Have you shopped around for your gas and electric bills?
Can you cancel your sky bill and get a freeview box?
What is the housekeeping for?

Have you looked at other ways of boosting your income? Things I've tried are:

- Mystery Shopping (https://www.retaileyes.co.uk plus others)
- Selling anything not tied down on ebay
- AQA
- Online Surveys
- Evening work?
- Setting up your own website?


Good luck with the interviews


Rgds, John

saintly_2

DramaQueen29 wrote:

Well 2 weeks without broadband due to -well no idea lots of BT calls etc and theyve messed up completely with bills and trying to run 2 accounts and charge us for them!

Anyhow both myself and partner have interviews next year so fingers crossed
anyhow heres our SOA at last ( for now hoping its temporary!)


Expenditure Amount Monthly
Rent 550.00 ( 6 month contract)
Council tax waiting on award notice
Electric 40.00 have i tried u switch, may be able to get them cheaper
Gas 40.00 same as above
Petrol 40.00
Hire purchase agreement 205.82 does this have PPI??
Water rates 27.00 try u switch
Telephone 17.00 ( contract cannot leave)
Internet 32.00 ( contract cannot leave)
TV licence 11.97
Vehicle insurance 67.89 for how many cars??
Road tax 22.50
Pet insurance 18.00
Housekeeping 70.00
Food 150.00 is this just for 2 people??
Pet food 40.00
Mobile phone 18.00
Sky 15.00 really neccessary


Total Expenditure 1386.17
Income from all sources Joint Job seekers allowance £90.10
Housing benefit £332.32
Total income £692.72
Less total expenditure - £693.45 eek!


I think thats right if Ive made a codge on the adding Im blaming my hangover!
this is just covering our general costs, does not inc creditors who i have written too and in process of making repayment plans with.

good luck with your interviews, ive just added some coments on to your soa, sky isnt really neccessary, its 15 a month that can go towards payin ur bills.

DramaQueen29

no ppi on the bike, it was too expensive! Ive looked into giving it back but as other threads have shown Black horse doesnt give a **** and will reposess, sell on then stillcharge us for it so really Id rather have something to be paying for than paying for nothing.
Gas and leccy are guesstimates we have got another provider and told powergen to tottle off. water - didnt know you could swap to someone else for that so will check.
Housekeeping does cover general stuff - I havent had a haircut since 2004 except a trim by my mum and we cannot afford holidays - will have another go at it and re post.

saintly_2

im pretty sure u cud look at gettin a water meter thats what i meant, soz luv havin a right old bad day

remember everyone here is supportive of you.

as the other poster above said have a look at mysteru shooping. its not great money but every little helps

xx

HokeyCokey_3

Mystery Shopping is good, plus you can get free meals, however I wouldn't use Retail Eyes as they (in my case) are not good at communicating and may not even pay up!

DramaQueen29

cant you only get water meters on council or owned houses? doesnt the owner have to agree etc?

Not been on for a while BT messed up and weve been without net for weeks.
Back now the fault was so tiny thier embarrased to tell us what it is! lol

All suggestions welcome - We havent had a bill yet for leccy our lettings agents a bit lax and didnt change anything over so we are sorting all that out with the gas people now. The last tennents owe over £500 in gas but the bills are in the lettings agency name ( bet they will like that) however we have sorted that out so we dont get targeted for it.
Managed to cut the food bills down quite a bit by buying less meat and eating less ( will loose weight at least! lol)
New year new start looking forward to cutting those bills

The council have let us apply for descretionary payments to top up our rent - hopefully this will go through - more than anything hopefully one of us will get work soon happy new year all