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Originally posted by paulsc

Appreciate final opinions

I have a motability car so reason of not tax or insurance.

I also Pay board to cover utilitiy bills.

Finally i Have GP letter regarding Gym and clothing.....

[tt]Statement of Affairs and Personal Balance Sheet

Household Information
Number of adults in household........... 2
Number of children in household......... 0
Number of cars owned.................... 0

Monthly Income Details
Monthly income after tax................ 295.43
Partners monthly income after tax....... 0
Benefits................................ 930.58
Other income............................ 0
Total monthly income.................... 1226.01

Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 0 Do you not contribute to rent and other utilities?Management charge (leasehold property).. 0
Council tax............................. 0
Electricity............................. 0
Gas..................................... 0
Oil..................................... 0
Water rates............................. 0
Telephone (land line)................... 0
Mobile phone............................ 35
TV Licence.............................. 0
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 250 £200 max unless you can prove special dietry needsClothing................................ 80 £50Petrol/diesel........................... 100
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 20
Car parking............................. 20
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 40 what is this?Medical (prescriptions, dentist etc).... 35 £20 if you have lots of medication then get you should get pre-payment certificate.Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 0
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 20 Not many ORs will allow this, but leave and see.Haircuts................................ 12 £10Entertainment........................... 0
Holiday................................. 80 £30 for a single person
Emergency fund.......................... 0
Gym GP Letter........................... 40
board................................... 280 This should be rentchild Maintence......................... 150
Total monthly expenses.................. 1162


Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 9
Car(s).................................. 0
Other assets............................ 0
Total Assets............................ 9

No Secured nor Hire Purchase Debts

Unsecured Debts
Description....................Debt......Monthly...APR
Capital One....................900.......30........0
Blair Oliver scott.............3000......100.......0
Equidbet.......................5300......4.........0
Barclaycard....................3000......100.......0
Wescot.........................9300......342.......0
Hillesden Securities...........6041......142.......0
Triton.........................3000......100.......0
Rockwell.......................3000......100.......0
Total unsecured debts..........33541.....918.......-


Monthly Budget Summary
Total monthly income.................... 1,226.01
Expenses (including HP & secured debts). 1,162
Available for debt repayments........... 64.01
Monthly UNsecured debt repayments....... 918
Amount short for making debt repayments. -853.99

Personal Balance Sheet Summary
Total assets (things you own)........... 9
Total HP & Secured debt................. -0
Total Unsecured debt.................... -33,541
Net Assets.............................. -33,532

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