Council Tax and Energy Debts

sourcrates

clairelgf wrote: »

I have done the statement of affairs, but it won't let me post it on here, what do I do?

What is the problem with it, did you press "format for MSE" ?


A pop up should appear asking you to copy and paste the text to your post.

clairelgf

When I try to post on here, it tells me I can't post links. I shall do it again.

clairelgf

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.................... 1

Monthly Income Details
Monthly income after tax................ 920
Partners monthly income after tax....... 0
Benefits................................ 637
Other income............................ 0
Total monthly income.................... 1557

Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 775
Management charge (leasehold property).. 0
Council tax............................. 140
Electricity............................. 50
Gas..................................... 50
Oil..................................... 0
Water rates............................. 36
Telephone (land line)................... 20
Mobile phone............................ 24
TV Licence.............................. 13
Satellite/Cable TV...................... 21
Internet Services....................... 0
Groceries etc. ......................... 400
Clothing................................ 10
Petrol/diesel........................... 80
Road tax................................ 25
Car Insurance........................... 36
Car maintenance (including MOT)......... 6
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 98
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 8
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 20
Haircuts................................ 0
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 1812


Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 900
Other assets............................ 0
Total Assets............................ 900

No Secured nor Hire Purchase Debts

Unsecured Debts
Description....................Debt......Monthly...APR
Store Card.....................400.......5.........0
Credit card ...................250.......40........0
Loan...........................220.......20........0
Energy.........................1200......0.........0
Council tax ...................1500......0.........0
Total unsecured debts..........3570......65........-


Monthly Budget Summary
Total monthly income.................... 1,557
Expenses (including HP & secured debts). 1,812
Available for debt repayments........... -255
Monthly UNsecured debt repayments....... 65
Amount short for making debt repayments. -320

Personal Balance Sheet Summary
Total assets (things you own)........... 900
Total HP & Secured debt................. -0
Total Unsecured debt.................... -3,570
Net Assets.............................. -2,670

clairelgf

I hope this is right!

MovingForwards

Two adults, one income and the bills appear to be coming out of your wages with no contribution from the other adult (partner?)

D_M_E

If your partner has no income, is there any reason why they cannot look after the children and save paying the £98 childcare fees?

Do you REALLY need sattellite/cable tv - can it be ditched and could you manage with Freeview/Freesat instead for FREEEEE?

Water - is this metered? If so, have you tried any water saving ideas?

clairelgf

My partner does not work because of mental health issues and claims some PIP which does not go towards bills as it goes towards his care.

Our youngest goes to nursery twice a week to allow my partner some respite as dealing with a two year old can be quite challenging for him. I work at the nursery, the childcare is hal price to us.

We don't have satellite TV, we only have an Internet and telephone package. We stream TV through the xbox.

The water is on a meter, we do what we can to save water and we are on the lowest tariff with the water company.

WhenIam64

Which council are you with? Some allow 100% reduction; others don't. Looks like a 20% contribution but there may be a discretionary scheme with them if you check. Surprised you are paying any CT.

See also if there is a scheme to write off the CT debt too.

Perhaps CIS might be along to advise.

JCS1

Have you done a benefit checker recently to make sure you are claiming all you can?

https://www.turn2us.org.uk/

clairelgf

We already have the appropriate deduction for the council tax (I think it's 20%). We are not eligible for any council tax support, just housing benefit.