soa and husbands income

rock_queen

Hi,

Hoping to go bankrupt next week providing i can get an appointment. can only book upto 5 days in advance.

the question is do I include my husbands income which is JSA only on the soa form? I'm covering all the bills at the momment.

will post soa for comments when i find the link again

Thanks

rock_queen

My soa - It covers both of us and the dogs.

Household Information
Number of adults in household........... 2
Number of children in household.........
Number of cars owned.................... 2 ( I own a banger worth 500, husbands is worth more - both are essential as we live in the countryside and there is no public transport)

Monthly Income Details
Monthly income after tax................ 1750
Partners monthly income after tax....... 307 JSA
Total monthly income.................... 2057

Monthly Expense Details
Rent.................................... 540
Council tax............................. 127
Electricity............................. 60
Gas..................................... 100 ( on LPG and this is the cheapest DD)
Water rates............................. 20
Telephone (land line)................... 35 (includes internet - limited to BT as live in the middle of no-where)
Mobile phone............................ 25
TV Licence.............................. 12 (actually 29 until May)
Groceries etc. ......................... 410 ( covers everything incl. the dogs)
Clothing................................ 20
Petrol/diesel........................... 260 ( travel to work and husband to Job centre)
Road tax................................ 32 (both cars)
Car Insurance........................... 50 (both cars)
Car maintenance (including MOT)......... 20 (both cars
Medical (prescriptions, dentist etc).... 15 (both of us)
Contents insurance...................... 0 (been quoted 24 - need to sort out)
Presents (birthday, christmas etc)...... 10
Haircuts................................ 10
Entertainment........................... 20
Holiday................................. 20
Emergency fund.......................... 20
Total monthly expenses.................. 1823

Have I missed anything off? Anything seem out of place?

Thanks again!!

[Deleted User]

I think they may baulk at the groceries figure.

When my mate went BR, they allowed him £375 for 2 adults and 1 child, plus an additional £20 for a dog.

mattannar

I don't understand why you need two cars. The OR may only allow you allowances for one.

whichwhydoIturn

Hello Want to post my soa up here however, I don't know how to do it with an iPad could someone tell me please ?
Thank you

arcon5

Bedsit_Bob wrote: »

When my mate went BR, they allowed him £375 for 2 adults and 1 child, plus an additional £20 for a dog.

I went BR last month and they allowed £468 for 2 adults & a baby.

Although if the figures quoted op are actual figures, then could this be a possible area to cut down?

When I went BR they didn't want to know much about my partners income, just what her contribution to the household was. Although they may ask his status briefly just to check for example the OH isn't earning £100k per year and contributing nothing to joint bills.

[Deleted User]

arcon5 wrote: »

I went BR last month and they allowed £468 for 2 adults & a baby.

They probably allow quite a bit extra for a baby, due to the need for baby milk/food etc.

My mate's child was about 9 or 10 at the time, so was eating the same kind of things as my mate and his wife.

Two people would probably be allowed somewhere around the £300 - £350 mark.

rock_queen

Hi Thanks for the comments.

we need to cars as we live in the middle of no-where and the nearest bus stop is 5 miles away. I travel to work every day and the hubbie needs to be able to get out to go for interviews and signing on etc, hence two cars. Both insurances are in my name even though one car is his - it worked out £300 cheaper doing it this way.

the groceries could come down to about 350 - 380 mark. we are already cooking from scratch buying in aldi etc.

At the momment the hubbie isn't contributing because he isn't working and has no income other than JSA.

Does eveything else seem ok?

Thanks

[Deleted User]

rock_queen wrote: »

Both insurances are in my name even though one car is his - it worked out £300 cheaper doing it this way.

Are the insurance company aware that your husband is the owner, and main driver, of one of the cars?

rock_queen

yes, they know it is his car but he is down as a named driver rather than main driver.

[Deleted User]

So he drives it less than you?