SOA for the OR

NekoZombie

Hi guys!

I've had a letter through from the OR to put an IPA in place for £156. I worried I might have missed something on my statement, or maybe not put the amounts at the maximum possible. For example, I'm claiming £8 a month for hair - I actually spend far closer to £40 a month, so I'm interested in getting what I can for this one. Yes, a lot, but I have afro hair and its chemically treated at £70 every 8 weeks. The rest is for specialist afro hair products. (I really wish it was less expensive being a girl!)

So, my income is approx £1,322

Rent, including council tax and bills/council tax: £600
Houskeeping, including food and clothing £200
Telephone (Mobile) £35
Oyster card: £100
Clothing: £20
Pension: £97
Internet £6
Hair £8
Dentistry £5

Total: 1071 = surplus of £251

Hmm, not sure how I've got an IPA of £156.

allofadither

Could you include anything for opticial expenses? Or pet expenses?

allofadither

And what about life insurance? House insurance? TV licence? Car expenses?

Any of these a help?

NekoZombie

Hiya

no house insurance/house insurance/car, though I am having driving lessons. TV license is included in the rent.

All good suggestions though!

NekoZombie

I also have 20/20 vision, which peeves me off as I have a thing for glasses. ;-)

No pets either, sadly.

allofadither

NekoZombie wrote: »

Hiya

no house insurance/house insurance/car, though I am having driving lessons. TV license is included in the rent.

All good suggestions though!

Not giving up yet...your internet cost seems very low. Can you up that one?

I thought broadband was usually around £15 - £20 per month min.

allofadither

Hobbies and holidays?

Maybe you could incorporate the cost of driving lessons in the hobby/holidays if either of these are allowed.

allofadither

NekoZombie wrote: »

I also have 20/20 vision, which peeves me off as I have a thing for glasses. ;-)

No pets either, sadly.

Does the OR have to know you don't have a pet or wear glasses. Maybe the pet thing might be pushing it, but surely optical costs can be included, you MUST buy sunglasses from time to time?

Can you tell I like a challenge!

fermi

From another site.... Not entirely sure if this is official, but your £156 IPA looks about right.

This is a table of IPA percentages that you can expect to pay on any surplus income:

1st Column=SURPLUS INCOME
2nd Column=AMOUNT TO BE PAID
3rd Column=% OF DISPOSABLE INCOME


50 Nil
60 Nil
70 Nil
80 Nil
90 Nil
100 50 50
110 55 50
120 60 50
130 65 50
140 70 50
150 75 50
160 80 50
170 85 50
180 90 50
190 95 50
200 100 50
210 105 50
220 110 50
230 115 50
240 120 50
250 150 60
260 156 60
270 162 60
280 168 60
290 174 60
300 180 60
310 186 60
320 192 60
330 198 60
340 204 60
350 231 66
360 238 66
370 244 66
380 251 66
390 257 66
400 264 66
410 271 66
420 277 66
430 284 66
440 290 66
450 297 66
460 304 66
470 310 66
480 317 66
490 323 66
500 350 70
510 357 70
520 364 70
530 371 70
540 378 70
550 385 70
560 392 70
570 399 70
580 406 70
590 413 70
600 420 70

wherediditallgo

Neko, I suggest you have a look at a couple of forums besides this one to get an idea of what other people have included in their SOAs. A good forum is this one - you might find the SOA under "I & E" or "statement of affairs" instead. The reason I suggest this is because the first SOA I did was woefully inaccurate. It was only when I looked at others plus looked through at least 6 months of bank statements that I remembered things like the TV licence - quarterly payments are harder to spot/remember than the monthly ones. Also, sometimes there are things that you regularly have to pay for in cash that you forget because they don't show up on any statements.

savagevixen

NekoZombie wrote: »

Hi guys!

I've had a letter through from the OR to put an IPA in place for £156. I worried I might have missed something on my statement, or maybe not put the amounts at the maximum possible. For example, I'm claiming £8 a month for hair - I actually spend far closer to £40 a month, so I'm interested in getting what I can for this one. Yes, a lot, but I have afro hair and its chemically treated at £70 every 8 weeks. The rest is for specialist afro hair products. (I really wish it was less expensive being a girl!)

So, my income is approx £1,322

Rent, including council tax and bills/council tax: £600
Houskeeping, including food and clothing £200
Telephone (Mobile) £35
Oyster card: £100
Clothing: £20
Pension: £97
Internet £6can't you up this to £15 (fairly standard amount
Hair £8definately say £20-25 and you can explain why
Dentistry/opticians £5I'd put £20here

Total: 1071 = surplus of £251

Hmm, not sure how I've got an IPA of £156.

Hi Neko, Everyone should have their eyes regularly checked (glaucoma etc, so I would put at least £10-15 per month)

Dentistry is well expensive as well(if you need an emergency appointment here it cost £50 just for the consultation, so I reckon you could up that) I put them together on mine.

You could also include £15 per month for damage to rented property not included in rent.

I also put emergencies/birthdays/holidays I would have thought you could put £30-40 here.

I can't see any travel (or is that the oyster?)

Also you haven't got an amount for prescriptions/medical, I think you could probably put £10-15 for that.

Hope that helps.
Vix