SOA help please and thank you

Magzvdw8

Hi, we are getting ready to apply for my husbands bankruptcy order. Was hoping someone could have a look at our budget please.

My husband is a chef and does get over time every now and then. His basic salary is 2200 but we have taken the average over 6 months. Is this ok?

Also, my husband sometimes gets a Christmas bonus usually only around 500 after tax, will we be able to keep this? I’m pregnant at the moment and due in January and was hoping to use the bonus if he gets it to buy baby stuff as we have no spare cash at the moment to start buying things now.

Last question, we have also been paying every month to Park Christmas Savings. £50 a month do we have to declare that as savings?? We usually use the vouchers for xmas dinner, xmas gifts and then also the kids birthday gifts the next year.

Thanks

Magzvdw8

font=courier new]Statement of Affairs and Personal Balance Sheet

Household Information
Number of adults in household........... 2
Number of children in household......... 2
Number of cars owned.................... 0

Monthly Income Details
Monthly income after tax................ 2400
Partners monthly income after tax....... 0
Benefits................................ 135
Other income............................ 0
Total monthly income.................... 2535

Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 1150
Management charge (leasehold property).. 0
Council tax............................. 132
Electricity............................. 60
Gas..................................... 60
Oil..................................... 0
Water rates............................. 30
Telephone (land line)................... 15
Mobile phone............................ 80
TV Licence.............................. 18
Satellite/Cable TV...................... 15
Internet Services....................... 15
Groceries etc. ......................... 500
Clothing................................ 80
Petrol/diesel........................... 0
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 240
Childcare/nursery....................... 0
Other child related expenses............ 30
Medical (prescriptions, dentist etc).... 10
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 0
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 10
Haircuts................................ 40
Entertainment........................... 0
Holiday................................. 10
Emergency fund.......................... 40
(Unnamed monthly expense)............... 0
Total monthly expenses.................. 2535


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

No Secured nor Hire Purchase Debts

Unsecured Debts
Description....................Debt......Monthly...APR
Total unsecured debts..........0.........0.........-


Monthly Budget Summary
Total monthly income.................... 2,535
Expenses (including HP & secured debts). 2,535
Available for debt repayments........... 0
Monthly UNsecured debt repayments....... 0
Amount left after debt repayments....... 0

Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -0
Total Unsecured debt.................... -0
Net Assets.............................. 0[/b