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I've bitten the bullet, advice pleeeze!

2

Comments

  • dalip
    dalip Posts: 7,045 Forumite
    Sorry Scarlett and EW should not not post on threads that include benefits as until now have no experiance.But that could all change soon.Think i am posting without thinking:p :o Sorry.X
    Free impartial debt advice available from: National Debtline - Tel: 0808 808 4000 | The Consumer Credit Counselling Service (CCCS) - Tel: 0800 138 1111 | Find your local Citizens Advice Bureau
    Laugh at yourself and others laugh with you.Laugh at others and you laugh alone. BSC No 107:D
  • gambit_2
    gambit_2 Posts: 69 Forumite
    Dalip, don't apologise, it's just so nice that strangers even want to help

    Gambit x
  • tigerfeet2006
    tigerfeet2006 Posts: 14,030 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    gambit wrote: »
    Thank you for your kind welcomes!! I hope you don't mind if I post my SOA for comment, all monthly, I am a single parent with a 13 year old daughter with ADHD:

    Rent £480
    Housekeeping £300 This is higher than what would normally be allowed BUT given that you have a special needs DD then is understanderble. Make sure you explain why it is this high.
    Electricity £50
    Heating oil £60
    Telephone/mobile £50
    Petrol £160
    Clothing £70
    Council tax £107
    Car tax £9.58
    Car insurance £19.00
    House insurance £10
    MOT fee £4.50
    TV licence £10
    Car maintenance £50 you might have this lowered, but nothing ventured.....
    Hairdressing £15
    Holidays £30
    Christmas/birthdays £20
    Dog/cat food (one of each) £30 Does this include pet insurance? The pet food is quite high and will probably be cut.
    Childcare £200
    Contingencies £30

    I am assuming you get optical, dental, prescriptions free.

    House insurance?

    Are you a member of any professional bodies?

    Outgoing: £1705

    Income: £2144
    Salary £1390
    Maintenance £290
    Child benefit £72.40
    Child tax credit £150.93
    Disability Living Allowance £241.00

    I wasn't really sure what to put for housekeeping as my daughter (due to her condition) 'grazes' all day, she never stops eating, and unfortunately girls the little bu**er only weighs 8 and a half stone!!! She is so hyper she burns it off.

    Also am I allowed to include her £10 a week pocket money and the £5 she gets to go swimming on Friday nights? You won't be allowed pocket money but it is always worth putting it down. The swimming will possibly be allowed, again put it down and see :)

    As you can see this leaves a deficit of £25 if you take benefits out of the equation. God!! That was so scary seeing it all written down!

    I would be really grateful for any feedback, thank you

    You've obviously been paying close attention to other posts :D
    BSCno.87
    The only stupid question is an unasked one
    Loving life as a Kernow Hippy
  • JCS1
    JCS1 Posts: 5,347 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    gambit wrote: »

    Also am I allowed to include her £10 a week pocket money and the £5 she gets to go swimming on Friday nights?

    Pocket money is not classed as essential, and so would not be allowed. Swimming would be, as one after school activitiy per child is ;)
  • gambit_2
    gambit_2 Posts: 69 Forumite
    Tigerfeet, thank you so much for your input. Yes, I have been paying close attention, I didn't want to get anything wrong and because of that this forum has been invaluable. If it hadn't been for it I would have still been trying to pay CCCS the £450 a month they calculated for me.
  • tigerfeet2006
    tigerfeet2006 Posts: 14,030 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    No problem Gambit. You must be aware though that although we can recommend things each OR has his/her little foibles and cut/lower things that another might leave.

    I'll have a search for Scarletts I&E for you. It will be interesting what her OR says tomorrow about it.
    BSCno.87
    The only stupid question is an unasked one
    Loving life as a Kernow Hippy
  • gambit_2
    gambit_2 Posts: 69 Forumite
    Thanks Tigerfeet, I would be really grateful if you could find Scarlett's I&E and I will be watchnig avidly for her posting tomorrow!!
  • tigerfeet2006
    tigerfeet2006 Posts: 14,030 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Had a good rummage but can't find it for the minute. Will have another look later.
    BSCno.87
    The only stupid question is an unasked one
    Loving life as a Kernow Hippy
  • Scarlett.1974
    Scarlett.1974 Posts: 2,765 Forumite
    Had a good rummage but can't find it for the minute. Will have another look later.

    Is it just me or does that sound a bit rude? :rotfl:

    (sorry, yes, I know it's poor form to laugh at your own jokes)

    I'll see if I can find it for you gambit :)
    You can't control everything in life....... your hair was put on your head to remind you of that :p

    Proud to be BSC no. 103
  • Scarlett.1974
    Scarlett.1974 Posts: 2,765 Forumite
    Here it is:

    http://forums.moneysavingexpert.com/showthread.html?t=695653

    I did actually add onto that £20 for birthdays/xmas and £20 personal expenses, taking the outgoings to £2215.

    HTH :)
    You can't control everything in life....... your hair was put on your head to remind you of that :p

    Proud to be BSC no. 103
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