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| T O P I C R E V I E W |
| paulsc |
Posted - 20 March 2009 : 17:55:39
Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 2
Number of children in household.........
Number of cars owned.................... 1
Monthly Income Details
Monthly income after tax................ 279
Partners monthly income after tax....... 0
Benefits................................ 893
Other income............................ 0
Total monthly income.................... 1172
Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 30
Management charge (leasehold property).. 0
Council tax............................. 11
Electricity............................. 0
Gas..................................... 0
Oil..................................... 0
Water rates............................. 0
Telephone (land line)................... 45
Mobile phone............................ 20
TV Licence.............................. 0
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 250
Clothing................................ 60
Petrol/diesel........................... 60
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 6
Car parking............................. 5
Other travel............................ 60
Childcare/nursery....................... 0
Other child related expenses............ 50
Medical (prescriptions, dentist etc).... 40
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 0
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 20
Haircuts................................ 15
Entertainment........................... 0
Holiday................................. 100
Emergency fund.......................... 20
Board................................... 200
Child Maintenace........................ 145
Total monthly expenses.................. 1137
Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 15
Car(s).................................. 0
Other assets............................ 0
Total Assets............................ 15
No Secured nor Hire Purchase Debts
Unsecured Debts
Description....................Debt......Monthly.. .APR
Lloyda.........................9300......323...... .0
abbey..........................5300......192...... .0
M&S............................3000......30....... .0
Yes Car........................6000......30........0
Capital One....................1000......30........0
Tesco..........................3000......30....... .0
mastercard.....................3000......30....... .0
barclaycard....................3000......30....... .0
Total unsecured debts..........33600.....695.......-
Monthly Budget Summary
Total monthly income.................... 1,172
Expenses (including HP & secured debts). 1,137
Available for debt repayments........... 35
Monthly UNsecured debt repayments....... 695
Amount short for making debt repayments. -660
Personal Balance Sheet Summary
Total assets (things you own)........... 15
Total HP & Secured debt................. -0
Total Unsecured debt.................... -33,600
Net Assets.............................. -33,585
Created using the SOA calculator at www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission, using Firefox browser.
As bills are in my fathers name i should put down bills i pay and a max of £200 for borad
--------------------------------------------------------------------------------
Last edited by Holes in my pocket : Today at 5:53 PM. Reason: recitfy mistake
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| 7 L A T E S T R E P L I E S (Newest First) |
| Skippy |
Posted - 20 March 2009 : 20:52:48
Aaah, it makes more sense now!
Hopefully one of the professional experts will be able to advise you further with this as I don't know what difference your circumstances will make to your allowances x
Tomorrow is a mystery, yesterday is history, today is the present, a gift to make the most of.
View my blog at http://skippy13.blogs.bankruptcyhelp.org.uk/
21 IPA payments made, 15 to go - on the home straight! |
| paulsc |
Posted - 20 March 2009 : 19:12:56
Hi thanks for comments
Car is motabilty car so no tax insurance
£6 for car wash as disabled.
Other travel is goingto see my children 100 mile round trip and Hopital appointments agree may be a little high.
Other childred expenses i have to take my kids out as elderly father cant handle them for too long I sleep on saof in my fathers house so have to take them out.
Holiday my children want to stay with me i think its there right too but i have no where for them to stay so have to have holiday i aslo care for my father and need a break .. Holiday in school holidays are expensive.
Board is for electric gas and water.
I pay the rent as it the extra my father is being charge for me being the as is the council tax the phone is in my fathers name but i added broadband to it may take that off to hide broadband.
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| Skippy |
Posted - 20 March 2009 : 19:07:59
quote:
Originally posted by paulsc
Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 2
Number of children in household.........
Number of cars owned.................... 1
Monthly Income Details
Monthly income after tax................ 279
Partners monthly income after tax....... 0
Benefits................................ 893
Other income............................ 0
Total monthly income.................... 1172
Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 30 - seems very low
Management charge (leasehold property).. 0
Council tax............................. 11 - seems very low
Electricity............................. 0
Gas..................................... 0
Oil..................................... 0
Water rates............................. 0
Telephone (land line)................... 45
Mobile phone............................ 20 - will most likely be disallowed as you have a landline
TV Licence.............................. 0
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 250
Clothing................................ 60 - high for one person
Petrol/diesel........................... 60
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 6 - seems very low
Car parking............................. 5
Other travel............................ 60
Childcare/nursery....................... 0
Other child related expenses............ 50
Medical (prescriptions, dentist etc).... 40
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 0
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 20 - will most likely be disallowed
Haircuts................................ 15 - usually £10 for an adult
Entertainment........................... 0
Holiday................................. 100 - will be reduced or disallowed as very high
Emergency fund.......................... 20 - will be disallowed as no contingency allowance in BR as not all surplus is paid into IPA
Board................................... 200
Child Maintenace........................ 145
Total monthly expenses.................. 1137
Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 15
Car(s).................................. 0 - you are claiming for a car above - is that not in your name?
Other assets............................ 0
Total Assets............................ 15
No Secured nor Hire Purchase Debts
Unsecured Debts
Description....................Debt......Monthly.. .APR
Lloyda.........................9300......323...... .0
abbey..........................5300......192...... .0
M&S............................3000......30....... .0
Yes Car........................6000......30........0
Capital One....................1000......30........0
Tesco..........................3000......30....... .0
mastercard.....................3000......30....... .0
barclaycard....................3000......30....... .0
Total unsecured debts..........33600.....695.......-
Monthly Budget Summary
Total monthly income.................... 1,172
Expenses (including HP & secured debts). 1,137
Available for debt repayments........... 35
Monthly UNsecured debt repayments....... 695 - won't be paid once you are BR
Amount short for making debt repayments. -660
Personal Balance Sheet Summary
Total assets (things you own)........... 15
Total HP & Secured debt................. -0
Total Unsecured debt.................... -33,600
Net Assets.............................. -33,585
Created using the SOA calculator at www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission, using Firefox browser.
As bills are in my fathers name i should put down bills i pay and a max of £200 for borad - hopefully one of the others can confirm this as I'm not sure.
--------------------------------------------------------------------------------
Last edited by Holes in my pocket : Today at 5:53 PM. Reason: recitfy mistake
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Tomorrow is a mystery, yesterday is history, today is the present, a gift to make the most of.
View my blog at http://skippy13.blogs.bankruptcyhelp.org.uk/
21 IPA payments made, 15 to go - on the home straight! |
| paulsc |
Posted - 20 March 2009 : 18:39:56
sorry you had a meany wonder if a bribe would help lol
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| Jane.l |
Posted - 20 March 2009 : 18:13:24
yes, you can always try, you never know, you may get a lenient OR and be allowed some of them, but be prepared that if you get a strict OR (as we did) that these items won't be allowed |
| paulsc |
Posted - 20 March 2009 : 18:03:20
maybe not worth a try and OR may just reduce but thanks for your comments
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| Jane.l |
Posted - 20 March 2009 : 18:01:00
Just my view, but,
I don't think you will be allowed:
holidays
Christmas/birthdays
emergency fund |
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