SOA - Advice Please

darkbananaman

Hi everyone,

Am pushing for my own bankruptcy ASAP now and have done my SOA which I would like some advice on. I live on my own and have my child stay with me two nights a week, so I was wondering if I could push up any of the costs on my SOA. I already pay £45 per week maintenance but obviously theres food/clothes/toys, etc, that I get the kiddo.

Here is my SOA. Can you please check it for me in case I have missed something. Thanks in advance.

Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 1
Number of children in household......... 0.5
Number of cars owned....................
Monthly Income Details
Monthly income after tax................ 1645
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 1645
Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 500
Management charge (leasehold property).. 0
Council tax............................. 84
Electricity............................. 65
Gas..................................... 0
Oil..................................... 0
Water rates............................. 0
Telephone (land line)................... 0
Mobile phone............................ 25
TV Licence.............................. 12
Satellite/Cable TV...................... 7
Internet Services....................... 0
Groceries etc. ......................... 240
Clothing................................ 45
Petrol/diesel........................... 195
Road tax................................ 20
Car Insurance........................... 68
Car maintenance (including MOT)......... 30
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 195
Other child related expenses............ 30
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 0
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 25
Haircuts................................ 15
Entertainment........................... 20
Holiday................................. 30
Emergency fund.......................... 20
Total monthly expenses.................. 1626

Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 500
Other assets............................ 0
Total Assets............................ 500

No Secured nor Hire Purchase Debts
Unsecured Debts
Description....................Debt......Monthly...APR
Total unsecured debts..........0.........0.........-

Monthly Budget Summary
Total monthly income.................... 1,645
Expenses (including HP & secured debts). 1,626
Available for debt repayments........... 19
Monthly UNsecured debt repayments....... 0
Amount left after debt repayments....... 19
Personal Balance Sheet Summary
Total assets (things you own)........... 500
Total HP & Secured debt................. -0
Total Unsecured debt.................... -0
Net Assets.............................. 500
Created using the SOA calculator at www.stoozing.com.
Reproduced on Moneysavingexpert with permission, using IE browser.

tigerfeet2006

darkbananaman wrote: »

Hi everyone,

Am pushing for my own bankruptcy ASAP now and have done my SOA which I would like some advice on. I live on my own and have my child stay with me two nights a week, so I was wondering if I could push up any of the costs on my SOA. I already pay £45 per week maintenance but obviously theres food/clothes/toys, etc, that I get the kiddo.

Here is my SOA. Can you please check it for me in case I have missed something. Thanks in advance.

Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 1
Number of children in household......... 0.5
Number of cars owned....................
Monthly Income Details
Monthly income after tax................ 1645
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 1645
Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 500
Management charge (leasehold property).. 0
Council tax............................. 84
Electricity............................. 65
Gas..................................... 0
Oil..................................... 0
Water rates............................. 0 do you not pay water rates?
Telephone (land line)................... 0 no land line?
Mobile phone............................ 25
TV Licence.............................. 12
Satellite/Cable TV...................... 7
Internet Services....................... 0
Groceries etc. ......................... 240
Clothing................................ 45
Petrol/diesel........................... 195
Road tax................................ 20
Car Insurance........................... 68
Car maintenance (including MOT)......... 30
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 195 is this your maintenance?
Other child related expenses............ 30
Medical (prescriptions, dentist etc).... 0£20
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 0 do you not have this? if not get some now. £20ish
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 25 leave in but the OR may say no.But don't ask, don't get.
Haircuts................................ 15
Entertainment........................... 20 leave in but the OR may say no. But don't ask. don't get.
Holiday................................. 30 £40/50 because I am sure you want to take your little one for a holiday.
Emergency fund.......................... 20
Total monthly expenses.................. 1626

Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 500
Other assets............................ 0
Total Assets............................ 500

No Secured nor Hire Purchase Debts
Unsecured Debts
Description....................Debt......Monthly...APR
Total unsecured debts..........0.........0.........-

Monthly Budget Summary
Total monthly income.................... 1,645
Expenses (including HP & secured debts). 1,626
Available for debt repayments........... 19
Monthly UNsecured debt repayments....... 0
Amount left after debt repayments....... 19
Personal Balance Sheet Summary
Total assets (things you own)........... 500
Total HP & Secured debt................. -0
Total Unsecured debt.................... -0
Net Assets.............................. 500
Created using the SOA calculator at www.stoozing.com.
Reproduced on Moneysavingexpert with permission, using IE browser.

Do you do a job that means you have to wear suits? Drycleaning £10/20. Do you pay any professional fees?

darkbananaman

Thanks tiger, no suits but have added union membership....

Should I put my debts in, even if I am not paying anything towards them?

Here is an updated one...

Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 1
Number of children in household......... 0.5
Number of cars owned.................... 1
Monthly Income Details
Monthly income after tax................ 1645
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 1645
Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 500
Management charge (leasehold property).. 0
Council tax............................. 84
Electricity............................. 65
Gas..................................... 0
Oil..................................... 0
Water rates............................. 0 (rented no water rates)
Telephone (land line)................... 0 (no land line just mobile)
Mobile phone............................ 25
TV Licence.............................. 12
Satellite/Cable TV...................... 7
Internet Services....................... 0
Groceries etc. ......................... 220
Clothing................................ 45
Petrol/diesel........................... 195
Road tax................................ 20
Car Insurance........................... 68
Car maintenance (including MOT)......... 30
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 195
Other child related expenses............ 30
Medical (prescriptions, dentist etc).... 20
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 20
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 25
Haircuts................................ 15
Entertainment........................... 20
Holiday................................. 50
Emergency fund.......................... 20
Union Membership........................ 12
Total monthly expenses.................. 1678

Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 500
Other assets............................ 0
Total Assets............................ 500

No Secured nor Hire Purchase Debts
Unsecured Debts
Description....................Debt......Monthly...APR
Total unsecured debts..........0.........0.........-

Monthly Budget Summary
Total monthly income.................... 1,645
Expenses (including HP & secured debts). 1,678
Available for debt repayments........... -33
Monthly UNsecured debt repayments....... 0
Amount short for making debt repayments. -33
Personal Balance Sheet Summary
Total assets (things you own)........... 500
Total HP & Secured debt................. -0
Total Unsecured debt.................... -0
Net Assets.............................. 500
Created using the SOA calculator at www.stoozing.com.
Reproduced on Moneysavingexpert with permission, using IE browser.

sniggings

no debts, the SOA is for living expenses only, for after BR.