S.o.a.

Debtless_2

so do i put the vets and house insurance and car breakdown down on my soa since i have none of them?

peachyprice

Debtless wrote: »

so do i put the vets and house insurance and car breakdown down on my soa since i have none of them?

No! The OR will have your bank statements for the last year and will know you are lying!

I don't understand why you are bumping up your expenditure to make it look like you have a deficit when, by your own admission you do not spend the amounts you are putting down. Your I&E should reflect how much you honestly spend, not what you think you can get away with.

dalip

Debtless you put the truth within reason.What is the point of putting those down if you are already £500 a mth over your income.You have to trim some back to add other allowances that we know the OR allows and leave yourself with a small amount off surplus D

Debtless_2

to be honest i have no idea of my monthly spend amounts all i know is that by the time my next pay day is approaching we have nothing left and have to use the OH overdraft.

Debtless_2

Debtless wrote: »

Hi all could you look through this and tell me what else i can add on please.

Mortgage payments or rent on your home £525.00
Housekeeping (including food and cleaning) £275.00
Gas, electricity, other heating £70.00
Water £25.00
Telephone charges £30.00
Travelling to and from work and other essential journeys £200.00
Clothing £50.00
Maintenance payments and fines £0
Council tax £110.00
Tv liscense £11
Holidays £50
Haircuts £20
Car tax £18
car insurance £30
Car maintenance £20
Emergencies £20
Work Phone £10

right this is what i have budgeted for after BR is this ok?

dalip

I am crap at totals but does that leave you with a small surplus/deficit income? If so yes .D

Debtless_2

yeah i have about £4 spare should i have more? obviously the amounts for emergency and car maintenance fuel will be in the account so may not all be used but will be there if required.

peachyprice

Debtless wrote: »

to be honest i have no idea of my monthly spend amounts all i know is that by the time my next pay day is approaching we have nothing left and have to use the OH overdraft.

You're really going to have to learn how to budget once you're BR, staring with actually knowing how much you spend each month, and on what.

The amount of deficit/surplus you show to the OR means nothing if you have no idea whether your budget is realistic or not.

dalip

Sorry to say this debtless but put it now as it stand with all income ect and we will give it a final once over.d

Debtless_2

income is

housing benefit £50 a wk
working tax £24 wk
child tax from OH £50 wk
Employed work £6.50 hr roughly 35 hrs a week plus 5 hrs overtime at £9.75 hr but this changes weekly due to me being a delivery driver. but on average its roughly £420 every 2 weeks.

out goings below with the figures i know are correct

Mortgage payments or rent on your home £525.00

Housekeeping (including food and cleaning) £?

Gas, electricity, other heating £70.00 (35 each bugeted for but during summer we have no gas bill as don't use it)

Water £25.00

Telephone charges £30.00 (actually £24.24 a month but thats without call charges)

Travelling to and from work and other essential journeys £200.00 (ive bugeted £50 a week to cover travel to work and other essential journeys)

Clothing £50.00 (don't actually know this one but with a child of 18mnths it could be about right)

Council tax £110.00 (its actually £149.23 a month due to owing last years still)

Tv liscense £11

Holidays £50 (put aside for one maybe)

Haircuts £20 (£5 for me and £15 for missus)

Car tax £18

car insurance £30

Car maintenance £20 (is this enough over the last year i have spent roughly £40 on car parts but you never know when things will go wrong could include this in mot cost)

Emergencies £20

Work Phone £10 (mobile phone for work never over this amount)

hows that?