Probably a bit late but my SOA

makingendsmeet_2

Ok so Thursday @ 11.30 is my BK date.. Just thought I would run through my SOA with you peeps.. I could waffle a bit on my OR interview and change a few bits maybe.. Just to avoid an IPA.

SOA is for myself and 4 yo.


Income £1300


Mortgage 541
Council tax 80 (best start paying this) Not paid since Jan, included the arrears in the bk though.
Water 41
Elec 30
Gas 30
Tv 11
Food 310 (is this a bit high??)
Car Insurance 20
Car tax 10
Car repairs 10
Car Mot 5
Petrol 160 (may seem high but I do live is a village that is 10 miles form the nearest supermarket and I have a 25 mile daily trip to work.
Mobile 15
Clothing 20

Total 1263


Surplus 37


As you can see although food and petrol may seem high I have no landline/internet/clothes allowence. No holiday no emergency fund.

creditcardshuffler

I would have thought the clothing could be upped a bit
I used this list to help me http://www.hmrc.gov.uk/manuals/dmbmanual/DMBM800120.htm

There is also lots of other useful information there

dalip

makingendsmeet wrote: »

Ok so Thursday @ 11.30 is my BK date.. Just thought I would run through my SOA with you peeps.. I could waffle a bit on my OR interview and change a few bits maybe.. Just to avoid an IPA.

SOA is for myself and 4 yo.


Income £1300


Mortgage 541
Council tax 80 (best start paying this) Not paid since Jan, included the arrears in the bk though.
Water 41
Elec 30
Gas 30
Tv 11
Food 310 (is this a bit high??) max about £200-£225
Car Insurance 20
Car tax 10
Car repairs 10
Car Mot 5
Petrol 160 (may seem high but I do live is a village that is 10 miles form the nearest supermarket and I have a 25 mile daily trip to work.
Mobile 15
Clothing 20 up this to about £50 maybe more

Total 1263


Surplus 37


As you can see although food and petrol may seem high I have no landline/internet/clothes allowence. No holiday no emergency fund.

What about dentist,optician,perscriptions,house ins,pet ins,dry cleaning. Although some OR will put allowances in, i would cut down house/keep and add others in to equal it all out.

D

makingendsmeet_2

Yeah I think what I will do is.. If they question it in my interview I will say it includes dentist, opticians etc

I dont have house insurance or anything like that. I may say I have 2 dogs and there upkeep is includes in the housekeeping. After all the boxes to fill in on the BK form are minimal i.e there is one for travel, they don't list car insurance, road tax etc seperate do they??

makingendsmeet_2

creditcardshuffler wrote: »

I would have thought the clothing could be upped a bit
I used this list to help me http://www.hmrc.gov.uk/manuals/dmbmanual/DMBM800120.htm

There is also lots of other useful information there

Thats sounds good as on there it says single parent housekeeping is £322.. So I maybe ok at £310.

Waspeze

I listed all the other bits separately in the "other expenditure" box (think that's what it was called), just so the OR could get a clear picture .. I felt if I started bundling stuff together then he/she was more likely to query amounts

Waspeze

makingendsmeet wrote: »

Thats sounds good as on there it says single parent housekeeping is £322.. So I maybe ok at £310.

Don't take that guide as gospel .. I did when I originally did mine and had it reduced .. when I queried it I was told HMRC use different guidlelines to the OR!

philnicandamy

I may say I have 2 dogs and there upkeep is includes in the housekeeping

remember though...dont try & pull the wool over the OR's eyes they can & will request receipts for everything if they think your hiding something

makingendsmeet_2

Waspeze wrote: »

I listed all the other bits separately in the "other expenditure" box (think that's what it was called), just so the OR could get a clear picture .. I felt if I started bundling stuff together then he/she was more likely to query amounts

Yeah thats what I mean't I have bundled it all together so if they do say anything I will just act dumb and say I thought the figures were mean't to be bundled together. After all im sure some people fill the forms in off their own back without help

makingendsmeet_2

philnicandamy wrote: »

remember though...dont try & pull the wool over the OR's eyes they can & will request receipts for everything if they think your hiding something

Yeah not got anything to hide really. Even after bankruptcy I will struggle to live on my income.

dalip

Do you have dogs?. If not then you are telling lies,better to put £20 house ins(with the intention of getting some)than to say you have 2 dogs if you don't also forgot you are allowed £10 per adult for hairdressing and i think it's £3 per child.Perscriptions,dentist,opt can be grouped together and put down as £30 health.D