Help with SOA please guys

emmy71

Hi Guys,
I'm about to submit my SOA. Just a couple of questions:
Do I have to include my daughters 'keep' as additional income? She doesn't live with me most of the time as she is at her boyfriends but does give me £100 a month for food/council tax.
Am I allowed to include SKY? I have my telephone and internet all included in a one payment of £50. What's the maximum I can claim for?
I lease a car but it is not in my name - my friend leases it for me as I need transport to work. Will I be allowed to include the £100 a month for this car? I pay car tax and insurance etc. as I am the registered driver?
Can I also claim for savings? What's the maximum I can put down?


My income is around £1450 without my daughters extra bit. £900 from an employed job and (variable) £550 from self employment as a fitness instructor.
this is what I roughly have. I genuinely don't have any hidden money or I'm inflating anything as don't want to risk this failing and getting an IPA. The last few years have been horrific and I just want to be able to go forward now!


Rent £390
Gas £40
Electric £40
Water £44
Council tax £120
HP £30
Pet insurance £22
Food and cleaning £200
Clothing £25
Car tax £5
Petrol £110
Car parking £36
Car insurance £83
Car leasing £115
Car maintenance and MOT £10
Car breakdown £10
Newspapers £5
House insurance £15
Professional certification £15
Hairdressing £10
Hobbies leisure and sport £30
Food at work £30
Parking charges £36
Gifts £20
Mobile phone £27 (im in a contract until next year so cant get out of it and need it for work)


Do these sound reasonable? I'm gluten intolerant and also work as a fitness instructor part-time so my food bill is a bit higher than normal.

comeandgo

You have parking charges in twice. Why house insurance when you don't own the house? Should this read contents insurance?
Your car insurance is very high too, is your daughter a named driver?

emmy71

I'll take out the charges. I've quickly typed this so haven't checked it.
yes its contents insurance.
The insurance is pretty standard I think nowadays - its a fairly new car and the cheapest available with my 7 years no claims! It is what it is - cant get it any lower. No named drivers other than me.


Anything else stand out?

TheGardener

The car lease costs might be tricky. You could quite reasonably increase your food bill by £100 and that would give some flexibility.
The sky contract is fine - 'savings' not so ok - the OR wont allow savings. You need to make sure you maximise your expenditure within the categories and if you can make savings from within those allowances, that's up to you. Nothing stopping you putting your spare coppers in a bottle at home though.
The HP? Is that a credit agreement? that wouldn't be possible I suspect. Put the clothing up a bit, add some dry cleaning, The mobile phone is ok. Modest holiday fund £15 per month.