| Author |
 Topic  |
|
|
Trolly-Dolly
Average Member
591 Posts |
 Posted - 22 June 2008 : 10:57:26
|
Hello Everyone,
I'm new over here after 4 weeks on the IVA board. After exploring that route it is now apparrant that we cant afford an IVA and that my husbands work is not secure enough.
I'm talking to Melanie tomorrow about BR and would just like to be as prepared as possible when I go through the facts with her. Just looking at our I&E sheet that was pit together for our IVA. I missed a couple of things out and wondered if they could be added. Somehow I doubt it, but if you dont ask...........
1. Pre-school costs. We have a 3 year old who gets 5 free sessions a week free. I forgot to add our 6 month old though. She wont be going for another 18 months (when she is 2), but when she does it will be about £88 pm for one year (£19.50 per week/3 x £6.50 sessions) until she qualifies for a free place. This is cheaper than paying a childminder or nursery fees.
2. Bit of a strange one, but once a year in the Summer (like now) we maintain and re-do our sons grave. This entails cleaning stone, laying new gravel stones (small stones that rest on the memorial), laying new soil to prevent sinking and planting new flowers for the year. We usually spend about £50 doing this. Would this come out of housekeeping budget?
Many thanks everyone and glad I found this site.
|
|
|
JulianDonnelly
Junior Member
United Kingdom
325 Posts |
Posted - 22 June 2008 : 11:03:48
|
Hi Drowning Mummy and welcome to the forum.
They key here is that allowances for expenditure in BR are far more reasonable and realistic than in an IVA. Therefore, I don't believe you'll have an issue.
Regards
Julian Donnelly
Spokesperson for www.Bankruptcyhelp.org.uk |
 |
|
|
Trolly-Dolly
Average Member
591 Posts |
Posted - 22 June 2008 : 11:07:30
|
Thank you Julian,
Been reading lots of your posts this morning as just found this site. If anyone drops out of the London meet then please feel free to contact me. I'm very open about giving my honest opinion! |
|
|
|
JulianDonnelly
Junior Member
United Kingdom
325 Posts |
Posted - 22 June 2008 : 11:09:34
|
Hi Drowning Mummy,
There's always room for one more if you're interested?
Regards
Julian Donnelly
Spokesperson for www.Bankruptcyhelp.org.uk |
|
|
|
Trolly-Dolly
Average Member
591 Posts |
Posted - 22 June 2008 : 11:12:24
|
Very much so!
I never like to enter into anything (in this case BR) in the dark. I'm forever asking questions and dont want to be hit with any unexpected surprises. As I mentioned, on maternity until 3rd September, not far from London (Medway, family in London though), so should not be a problem at all. Thank you for the opportunity. |
|
|
|
JulianDonnelly
Junior Member
United Kingdom
325 Posts |
Posted - 22 June 2008 : 11:13:19
|
Admin,
Can you please forward me Drowning Mummy's email address so we can get this arranged? Many thanks.
Regards
Julian Donnelly
Spokesperson for www.Bankruptcyhelp.org.uk |
Edited by - JulianDonnelly on 22 June 2008 11:13:39 |
|
|
|
melanie_giles
Senior Member
1191 Posts |
Posted - 22 June 2008 : 13:37:39
|
Hi there DM - and welcome to this site!!
I think that you would benefit greatly from attending Julian's session in London and sharing from his experience of bankruptcy - and that of the others in the group.
For an informal chat about any financial difficulties, or advice as to the options available, I can be contacted via my website - www.melaniegiles.com |
|
|
|
JulianDonnelly
Junior Member
United Kingdom
325 Posts |
Posted - 22 June 2008 : 14:29:35
|
Hi Melanie,
Thanks for your continued support.
Regards
Julian Donnelly
Spokesperson for www.Bankruptcyhelp.org.uk |
|
|
|
melanie_giles
Senior Member
1191 Posts |
Posted - 22 June 2008 : 16:17:49
|
It is my pleasure Julian - you are doing a great job in creating a site that supports people both facing and subject to bankruptcy proceedings, and I am proud to be one of the expert contributors.
For an informal chat about any financial difficulties, or advice as to the options available, I can be contacted via my website - www.melaniegiles.com |
|
|
|
Viki.W
forum expert
United Kingdom
2211 Posts |
Posted - 22 June 2008 : 16:57:58
|
Hey DM, told you this site was good. Hope you get all the advice you need but please don't forget about us "over there" Viki X |
|
|
|
Trolly-Dolly
Average Member
591 Posts |
Posted - 22 June 2008 : 20:25:06
|
| How could I forget 'you lot?'. Dont think I have ever encountered such a wonderful group of people. I'll be checking up on you, and waiting to hear your resluts. thanks for tip Viki, this site is brill and will no doubt help me heaps. |
|
|
|
JulianDonnelly
Junior Member
United Kingdom
325 Posts |
Posted - 23 June 2008 : 09:45:07
|
Melanie, you've made me blush :)
Regards
Julian Donnelly
Spokesperson for www.Bankruptcyhelp.org.uk |
|
|
| |
Topic |
|
Expenditure Question
