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Screensize: 640 x 480 800 x 600 1024 x 768 1280 x 1024 UserName: Password: Format Mode: Basic  Help  Prompt  Format: Font Andale Mono Arial Arial Black Book Antiqua Century Gothic Comic Sans MS Courier New Georgia Impact Lucida Console Script MT Bold Stencil Tahoma Times New Roman Trebuchet MS Verdana   Size 1 2 3 4 5 6   Color Black Red Yellow Pink Green Orange Purple Blue Beige Brown Teal Navy Maroon LimeGreen Message: * HTML is OFF * Forum Code is ON Smilies [quote][i]Originally posted by Falling Apart[/i] [br]Hi there It's been such a busy and stressful time since I last posted and can hardly believe my BR appointment is next week already, getting so worried now. Thanks to the helpful advice from this forum and others, I eventually managed to pull myself together and get sorted last month ... so have a Co-Op cashminder account set up now with my salary and direct debits/rent all swapped over. I was surprised at how friendly and helpful the BR clerk was when I finally booked my appointment. Fortunately there was only a 2 week waiting time, so luckily just squeezing it in before the Christmas break. Managed to see a very helpful adviser at a different local CAB and he went through the forms with me. Hopefully everything is OK with them, although I still have a question about the income and expenditure section. He recommended that the figures should roughly balance (so income £1,666 and expenditure £1,660), which seems logical to me. However, for a second opinion I went back to see the adviser at the Royal Courts of Justice and she advised that my expenditure should be more realistic and in her opinion should exceed my income (so expenditure £1,690). Does anyone know if these figures should be made to balance, or be a realistic reflection of actual outgoings despite creating a deficit? A further complication is that my employer has temporarily reduced my hours so that I can continue attending my weekly therapy group. This means a 10% pay decrease from this month, for approx 2-3 months. Local CAB reckons I should amend my income and expenditure downwards by 10%. However, the RCJ lady said I should not change the salary box and make a note of the temporarily reduced pay in section 13, whilst keeping the outgoings the same as if I were working full time. Any advice on this would be much appreciated! Thanks [/quote]   Check here to include your profile signature. Check here to subscribe to this topic.