SOA - OH unemployed, need help with it

RAS

continualdiamond wrote: »

Income:

Myself - £920 (this is my lowest wage, i work in a school and do 2 jobs, 2nd job is 5 hrs a week, i only get paid this during term time only, so wage does change each mth, but thought id include lowest to be safe)
OH - £256 JSA
Plus WTC £378.40?????

Total - £1176 plus £378.40?

Expenditure:

Mortgage - £439.64 - priority
Council Tax - £102.00 - can you pay over 12 months rather than 10
Mortgage Payment Protection - £16.00 -
Building/contents Insurance - £25.43 (this i cannot alter,leasehold property)
CCJ - £10.00
Electricity - £30.00 (have just switched supplier)
Water - £33.13
Hire Purchase (1) - £171.10
TV Licence - £11.50
Telephone(s) - £40.00 (Broadband,internet,tv,2 mobile phones)
Payment Cover - £17.88 (payplan to cover debt repayments,OH going to claim)
Gas - £25.00 (have just switched supplier)
Road Tax/MOT - £18.00
Insurance - £40.00 (just changed this,lowest quote)
Petrol/Oil/Diesel - £200.00 - list all your jouneys, cut as many as possible, and learn to do multiple tasks on one trip. Cancel leisure trips altogether and walk.cycle wher possible.

Maintenance - £30.00 - is this vehicle maintenance?
Breakdown Cover - £8.00
Food - £320.00 - you can halve this easily. Go to the Money saving Old style forum and do a store cupboard challenge for this month, then seek cheaper optitons after that. In time you should be able to get it down to £100.
Clothing/Footwear - £40.00 - scrap this. Join www.freecycle.org and get stuff for free, but you should have enough to get by for 6-12 months anyway.
Dentist/Prescriptions/Glasses - £20.00
Pets - £25.00
Hairdressing - £16.00
Debt payment - £11.00

Total - £1649.68


= - £473.68


The debt payment is what payplan want us to pay temp while OH is off work. When he signs onto JSA for the 1st time (he only had his interview to set it up yesterday) they will fill out the payplan claim form, so payplan will pay it for us. I have been in contact with WTC, told i could get £22 a week, haven't included that in income, as waiting for the claim forms in the post.

I haven't altered anything on the SOA as this is a direct copy to what payplan worked out for us for our DMP. They set the limits as they knew what was ok for each one without creditors querying it.

I thought id let people see what payplan had come up with.

Our house consists of - 2 adults, 4 cats and 1 dog.

So feel free to suggest changes as i could do with letting payplan know the temp changes while OH is not working. - whY?????

Not surre why you need to tell Payplan. What you need to do is live within your means. They will appreciate that you are on an emergency budget at the moment.