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T O P I C R E V I E W
philtam
Posted - 29 July 2009 : 16:46:37 These are my outgoings for 2 adults and my 3 children aged 17, 18 and 19 so basically adults.
RENT £280.00 - Council Property Housekeeping - £500 Gas / Electric - £100 (Only have economy seven electric) Water - £37 Telephone - £50.00 Travel - £100 Clothing - £150.00 Council Tax £102 Student Loan - £100 TV L £11.00 NUT Subs £10.00 (Teachers Union) Mobile Phone £20.00 Pet Food £21.00 Haircuts £50.00 Domestic Break £50.00 Car Insurance - £35.00 Car Tax - £14.80 Car MOT/Repairs £35.00 Dentist - £15.00 Optician - £15.00 Contents Insurance £20.00 Birthdays/Xmas £40.00
Is there anything I can add or increase for a family of 5. I do not have any wage other than mine as my partners business has just closed so he is not earning. Two of my boys have recently been made redundent and one of my boys has just go a job as an apprentice so on low wage.
I would be grateful for your thoughts
2 L A T E S T R E P L I E S (Newest First)
sjbyron
Posted - 29 July 2009 : 16:54:32 I think two of your children would seen as adults as they are 18 or over so their income would be taken into account if so, then you need to include their study costs i.e books, travel etc
Stu J Byron
sjbyron
Posted - 29 July 2009 : 16:52:39 Hi
I would increase dental /optical to something like £49 inclusive of the two You wont be allowed an emergency or Birthday fund Haircutting looks a little high I would make the car service, mot repair to £50 and take Student Loans out of your outgoings as its deducted from Source i.e your wageslip unless its a pre 1998 debt, Pet food willbe included in your food allowance, which is I assume part of your housekeeping I would increase gas / elec to £125 Do you have a bank account with a bankruptcy friendly bank if not you could ptu £12.50 for a manged account down.
