SOA Advise

Mykidsrcool

Ah i see what i have done now. On the 6.28 form i have the maintenance and payments down as £296, being made up of £196 maintenance and £100 for payment towards a debt. Should i remove the £100 debt from there?

Don't want to cause myself any problems.

egrescrimp

Is the £100 a month a CSA debt?

Mykidsrcool

No its not CSA debt, always made sure i have paid my way for my children.

It is for council tax from last year, current year is being paid monthly and was paying £100 per month towards last years arrears.

Mykidsrcool

Is it right that the form should not match exactly to your real budget, but more to make sure there is nothing left as spare?

egrescrimp

The council tax arrears would fall into your bankruptcy

So remove that and add in the other stuff and post your revised SOA

egrescrimp

Mykidsrcool wrote: »

Is it right that the form should not match exactly to your real budget, but more to make sure there is nothing left as spare?

The SOA should be based on what you need to live a reasonable life, so where you may of scrimped and scrapped previously you can relax on that and put down a more reasonable figure.

You can also put down things you've never previously been able to afford that would contribute to a reasonable lifestyle, take a look at this for more information http://www.bis.gov.uk/insolvency/personal-insolvency/income-payments-orders-and-agreements#12

Mykidsrcool

Ok i have done that and this time based it on the 6.28 form and what it asks for.

Rent.........................50
Housekeeping................230
Gas / Elec...................50
Water........................45
Telephone....................30
Travelling To & From Work...330
Clothing.....................25
Maintenance.................198
Council Tax.................104
Other.......................100
.............................72 - Car Spares/Servicing, RRL & Ins
.............................20 - TV License
..............................8 - Prescription

egrescrimp

Still no Emergency fund? So all three of you get your hair cut for free?

£25 per month for clothes for 3 people? that should be closer to £75 at £25 per person.

Contents insurance is another £10 per month.

School trips since you have a child living with you

School dinners?

After School clubs? If the child is too young for school, what about playgroup fee's and playgroup trips?

Mykidsrcool

My partner has her money and she uses this for her and her daughters hair cuts, i shave my own head as i am unfortunately follically challenged

I am trying to base this as me and my two children, excluding my partner and her daughter. My children are with me every other weekend and holidays. My partner does not work and does not receive any form of JSA or ESA only child tax, child benefit and maintenance.

I am not responsible for the insurance or the school trips nor school dinners. How much would the OR check?

I want to do this as much by the book as i can, while not being stung for a big IPA to pay for 3 years.

egrescrimp

They don't really dig into whether thats what you are actually spending or not unless you are claiming an excessive amount. Take for example you put down £400 for Gas & Electric, you'd be asked to supply a bill to prove it. But if you are putting down reasonable figures that are in their guidelines, it should be fine.

Don't sell yourself short, so you shave your own head.. Do it with razor blades? those aren't free! so you could claim £10 to cover the cost of razor blades (even if you used an electric shaver!).

Put down what it costs for your household to run, the tax credits will be based on your income and should have your name on the award notice so they have some claim to that.

The SOA isn't about trying to screw anyone over, it's about giving you and your family a reasonable life. Whatever is then left after that and providing it's more than £20 will go into an IPA.