Link to SOA

KEHxxx

Hi I want to complete a SOA to get advice before I file as I don't think I will need to pay an IPA as it's very close and would like to try and avoid it if possible.

Can someone post a link for the SOA so that I can complete and post.

Also my ex husband (still married but separated) is still living with me and our children but we pay 50_50 each to all household/child related bills so do I show total amount or just what I pay and do I state 1 adult or 2?

Many Thanks

Willing2Learn

KEHxxx wrote: »

Can someone post a link for the SOA so that I can complete and post.

https://www.lemonfool.co.uk/financecalculators/soa.php

Good luck!

Edit: If your husband is contributing to your household income then I believe that this should be reflected in your SOA.

KEHxxx

so do you mean I should put down the full amount and show 2 adults living at the address? Do I get chance/space to explain our circumstances/relationship or should I say lack of it?

KEHxxx

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.................... 2

Monthly Income Details
Monthly income after tax................ 1086.49
Partners monthly income after tax....... 0
Benefits................................ 137.6
Other income............................ 0
Total monthly income.................... 1224.09

Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 675
Management charge (leasehold property).. 0
Council tax............................. 118
Electricity............................. 40
Gas..................................... 50
Oil..................................... 0
Water rates............................. 40
Telephone (land line)................... 0
Mobile phone............................ 68
TV Licence.............................. 13
Satellite/Cable TV...................... 32
Internet Services....................... 23
Groceries etc. ......................... 650
Clothing................................ 140
Petrol/diesel........................... 190
Road tax................................ 13
Car Insurance........................... 35
Car maintenance (including MOT)......... 45
Car parking............................. 75
Other travel............................ 10
Childcare/nursery....................... 32
Other child related expenses............ 60
Medical (prescriptions, dentist etc).... 40
Pet insurance/vet bills................. 15
Buildings insurance..................... 0
Contents insurance...................... 20
Life assurance ......................... 20
Other insurance......................... 0
Presents (birthday, christmas etc)...... 40
Haircuts................................ 40
Entertainment........................... 50
Holiday................................. 50
Emergency fund.......................... 40
Total monthly expenses.................. 2624


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
Barclay Card...................8582.43...200.......17.6
Barclay Card...................10698.2...250.......5.9
MBNA...........................6527......140.......27.9
JD Williams....................600.......0.........0
Very ..........................1000......0.........0
Yorkshire Bank ................500.......0.........0
Total unsecured debts..........27907.63..590.......-


Monthly Budget Summary
Total monthly income.................... 1,224.09
Expenses (including HP & secured debts). 2,624
Available for debt repayments........... -1,399.91
Monthly UNsecured debt repayments....... 590
Amount short for making debt repayments. -1,989.91

Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -0
Total Unsecured debt.................... -27,907.63
Net Assets.............................. -27,907.63