SOA Help

worried16

Hello all, I am new to this forum.

Me and my husband are thinking of applying for DRO. Could anyone have a look at our SOA?

Household Information[/b]
Number of adults in household........... 2
Number of children in household......... 3
Number of cars owned.................... 1

Monthly Income Details
Monthly income after tax................ 0
Partners monthly income after tax....... 1320
Benefits................................ 983
Other income............................ 0
Total monthly income.................... 2303

Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 460
Management charge (leasehold property).. 0
Council tax............................. 101
Electricity............................. 70
Gas..................................... 80
Oil..................................... 0
Water rates............................. 43
Telephone (land line)................... 0
Mobile phone............................ 94
TV Licence.............................. 12
Satellite/Cable TV...................... 25
Internet Services....................... 29
Groceries etc. ......................... 650
Clothing................................ 60
Petrol/diesel........................... 150
Road tax................................ 21
Car Insurance........................... 153
Car maintenance (including MOT)......... 30
Car parking............................. 25
Other travel............................ 30
Childcare/nursery....................... 0
Other child related expenses............ 50
Medical (prescriptions, dentist etc).... 30
Pet insurance/vet bills................. 9
Buildings insurance..................... 0
Contents insurance...................... 7
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 30
Haircuts................................ 40
Entertainment........................... 20
Holiday................................. 0
Emergency fund.......................... 15
Total monthly expenses.................. 2234


Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 650
Other assets............................ 0
Total Assets............................ 650

No Secured nor Hire Purchase Debts

Unsecured Debts
Description....................Debt......Monthly...APR
lloyds.........................16266.....266.......9
halifax........................1549......70........28
halifax........................1019......40........28
advantis.......................1001......50........0
very...........................536.......0.........0
Total unsecured debts..........20371.....426.......-


Monthly Budget Summary
Total monthly income.................... 2,303
Expenses (including HP & secured debts). 2,234
Available for debt repayments........... 69
Monthly UNsecured debt repayments....... 426
Amount short for making debt repayments. -357

Personal Balance Sheet Summary
Total assets (things you own)........... 650
Total HP & Secured debt................. -0
Total Unsecured debt.................... -20,371
Net Assets.............................. -19,721

Reproduced on Moneysavingexpert with permission, using other browser.[/i][/font]

the mobile phone inculdes 2 x £47 contracts, water charges includes both clean and waste water, child expensess are mainly for nappies and milk for our twins

worried16

and car insurance is that high as I am a new driver.