PLEASE CHECK MY NEW soa

dontwannabeindebt

Hi not sure if anyone will remember giving me loads of help/ advice a couple of weeks ago. Basically I'd got my call from the OR and they had worked out that I could afford to pay £104 per month, anyway after loads of advice I have re-written my SOA, please could you let me know how it seems.
first I will put up the original one.


Incoming
student bursary 800
child tax credit 340
child benefit (this is disregarded)


RENT 255
HOUSEKEEPING (inc food/cleaning) 460 (allowed 300)
GAS/ ELECTRIC 120 (allowed 50)
WATER 31
TELEPHONE 50
TRAVELLING 70
CLOTHING 50
CONTENTS INSURANCE 10
SCHOOL MEALS 86
SCHOOL EXPENSES / ACTIVITIES 50 allowed 25
**HEALTH COSTS 20 allowed 0
TV LICENCE 11
**INTERNET 16 allowed 0
**BOOKS FOR UNIVERSITY 30 allowed 0
MISC FOR EMERGENCIES 50 allowed 0

dontwannabeindebt

RENT 255
HOUSEKEEPING (inc food/cleaning) 350
GAS/ ELECTRIC 100
WATER 31
TELEPHONE 50
TRAVELLING- ME 45
TRAVELLING- child 1 28
**TRAVELLING-child 2 (September) 28
CLOTHING 50
CONTENTS INSURANCE 10
SCHOOL MEALS 86
SCHOOL EXPENSES / ACTIVITIES 30
**HEALTH COSTS 20
TV LICENCE 11
**INTERNET 16
**BOOKS FOR UNIVERSITY 30
**MAGAZINES (nursing magazines) 5
MISC FOR EMERGENCIES 25
HOLIDAY 40
HAIR 25
DRY CLEANING (student nurse uniform) 10
HOUSEHOLD REPAIRS 25




**These health cost are for contact lenses, I require these as I am very short sighted but get migraines from wearing glasses due to glare and also when I am on a work placement as a student nurse glasses can be pulled from your face or use to assault you by confused and nasty patients.


**INTERNET, NURSING MAGASINES AND BOOKS FOR UNIVERSITY ARE REQUIRED BECAUSE I AM ON A FULL-TIME UNIVERSITY COURSE, BUT AM ONLY REQUIRED TO ATTEND UNIVERSITY 3 DAYS PER WEEK, THE REST OF THE WEEK WE ARE REQUIRED TO STUDY FROM HOME AND SO THE BOOKS AND INTERNET SERVICE ARE ESSENTIAL.


** My youngest starts secondary school in September so travel expenses will rise by £28 from then.

Red1708

It looks ok to me, definitley stipulate to the OR that you need the internet etc for your education as I'm sure the recommendations state they are allowed for educational purposes

dontwannabeindebt

Do you think it would be better if my outgoings are higher the incomings in case they don't allow certain things again? this is the actual case, I just shuffle things around each month.

ClaireLR

If thats the case then thats what Id put

Ive read people on here have said that if you have a negative surplus then just to say you know your over on some things but you are working at cutting costs.

Id love to know how they figure out you can afford to pay £104 a month!

Red1708

I would certainly make sure your outgoings are as close to your (total) incomings as possible. Remember that although it's probably vital to your monthly budget they will disregard CB which wil give you a small cushion to fall back on

Remmer

Just one thing. Don't the kids get free school meals? Sorry sweet I may be well out of touch with current legislation and I aplogise unreservedly if I'm wrong.

Poppy9

dontwannabeindebt wrote: »

RENT 255
HOUSEKEEPING (inc food/cleaning) 350 Is this for food/cleaning goods. Can you get it down by going more OS?:rolleyes:
GAS/ ELECTRIC 100 These seem high. I pay less that this for a 4 bed semi with dishwasher/tumble dryer etc. Can you switch to a cheaper supplier or start saving your 20% by turning off unecessary electrical items/lights?
WATER 31 I wish mine was this low!!!
TELEPHONE 50 I pay £15 per month to BT and have a mobile on 100% cashback and use this to make most calls.
TRAVELLING- ME 45
TRAVELLING- child 1 28 Have you asked the LEA if you are eligible for help?
**TRAVELLING-child 2 (September) 28
CLOTHING 50
CONTENTS INSURANCE 10
SCHOOL MEALS 86 Are you not entitled to free school meals?
SCHOOL EXPENSES / ACTIVITIES 30
**HEALTH COSTS 20 OH pays Specsavers £13 per month for his lenses.
TV LICENCE 11
**INTERNET 16 I pay AOL £9.99 per month for BB. Took just one phonecall.
**BOOKS FOR UNIVERSITY 30 Don't forget to sell them when you have finished with them!
**MAGAZINES (nursing magazines) 5
MISC FOR EMERGENCIES 25
HOLIDAY 40
HAIR 25
DRY CLEANING (student nurse uniform) 10
HOUSEHOLD REPAIRS 25

.

Missed your original post so hope I'm not repeating

fermi

blind-as-a-bat wrote: »

Dont take this the wrong way Poppy9 but on a BR SOA you dont want to reduce things as you do on a DFW SOA they are differant things;)

Yes. This has caused some honest missunderstanding between the two boards before, which is unfortunate.

For the record SOA on the BR board often refers to:

'Statement of Affairs (Debtor's Petition)'

which is a legal document used in petitioning for bankruptcy.

http://www.insolvency.gov.uk/pdfs/forms/6-28.pdf

This is very different to the DFW SOA

or at least the I&E info required to correctly complete the document.

Poppy9

blind-as-a-bat wrote: »

Dont take this the wrong way Poppy9 but on a BR SOA you dont want to reduce things as you do on a DFW SOA they are differant things;)

Don't worry I won't.:D But I just thought aside from what she declares now she should still strive to get the spend down to give her a bit more cash in the next few months.

fermi

Poppy9 wrote: »

Don't worry I won't.:D But I just thought aside from what she declares now she should still strive to get the spend down to give her a bit more cash in the next few months.

That is a nice thought, and I hope it will help the OP once they have seen the Official Reciever.