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turborat
Junior Member
289 Posts |
 Posted - 11 November 2008 : 14:45:18
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At last I have got round to getting an expenditure list down on paper. If you don't mind please can you have a look at it and let me know where I am claiming to much and where not enough.
This is for 2 adults a dog and a cat, here goes...
Rent...............................£575
Council Tax........................£93
Gas & Electric.....................£75
Food/toiletries....................£400
Telephone..........................£35
Fuel/travel........................£120
Clothes............................£20
Water..............................£34
Holiday............................£40
Car insurance......................£28
Car tax............................£16
Car spares,MOT & sevicing..........£25
Contents insurance.................£16
TV license.........................£12
Dry cleaning.......................£12
Pet insurance,jabs,flea & worming..£30
Dentist............................£20
Prescriptions......................£8
Newspapers.........................£5
Hairdresser........................£20
Window cleaner.....................£10
Hobbies/entertainment ?????
Emergencies ????
Our joint income is £1842 (£252 of ehich is wifes incapacity benefit). |
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T76
Junior Member
197 Posts |
Posted - 11 November 2008 : 15:40:44
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Hi tourborat,
I'm not an expert, and I am sure someone else will be along shortly to tell you if I am wrong, but I would say the following:
My husband and I went bankrupt in July and things may have changed, but for food, toiletries and cleaning were we allowed a maximum of £276, we were also only allowed £20 for our pets (which only just covered our insurance and overspend had to come out of our food/toiletry budget).
You will have to cut back on luxuries, so I don't think you will be able to claim anything for holidays or for a window cleaner and you may have to justify why you need clothes dry cleaned (if it is essential for your work you may get away with it, but otherwise you may have to cut back there too).
With the hairdressers my husband and I, as a couple were allowed a maximum of £10. We were also allowed only £14 for the dentist.
However, these can be made up in other areas, we were allowed £130 for fuel/travel, £50 each for gas and electric and £40 for water. We were also allowed £30 for entertainment/emergencies.
I hope this helps.
T |
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 11 November 2008 : 16:46:57
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Hi Turborat
I would say food would be ok there last guidelines for 2 adults was £394.
Telephone guidelines is £48
Travelling to and from work £155
Clothing £112
newspapers i dont think you will be allowed that, dental £14, prescriptions £10, Emergencies £20, Modest Break £30, TV lic £12, hairdresser £18.
Thats a start
The others seem ok to me.
Jo
x
For more info on how i have come through bankruptcy and for links to help, you can read my blog here called:
Jo's Links and added info on Bankruptcy!
http://debtfreejo.blogs.bankruptcyhelp.org.uk/
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turborat
Junior Member
289 Posts |
Posted - 11 November 2008 : 17:33:03
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Thanx guys.
Should I get rid of the papers & window cleaner and add/adjust the others mentioned? Would they want proof of these or are these figures which should be accepted?
Thanks |
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 11 November 2008 : 17:38:48
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Basically i have written the guidelines, the main thing is to make sure you put what you actually spend.
As you know some things wont be accepted but if you dont ask you dont get. If asked for proof then make sure you can prove it, its no good saying that you spend say £150 on council tax but when asked you only spend £110 if that makes sense but at the same time the cost of living is going up so you dont want to be out of pocket and end up in debt again.
Jo
x
For more info on how i have come through bankruptcy and for links to help, you can read my blog here called:
Jo's Links and added info on Bankruptcy!
http://debtfreejo.blogs.bankruptcyhelp.org.uk/
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 11 November 2008 : 17:46:31
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Rent...............................£575
Council Tax........................£93
Gas & Electric.....................£100
Food/toiletries....................£400
Telephone..........................£48
Fuel/travel........................£140
Clothes............................£100
Water..............................£34
Modest Break.......................£40
Car insurance.................Included in MOT
Car tax............................£16
Car spares,MOT, Ins & servicing....£65
Contents insurance.................£16
TV license.........................£12
Dry cleaning.......................£12
Pet insurance,jabs,flea & worming..£30 Evidence may be required
Dentist/Opticians..................£14
Prescriptions......................£10
Newspapers......................... NA
Hairdresser........................£18
Window cleaner.....................NA
Hobbies/entertainment ?????
Emergencies........................£35
Income £1842
Outgoings: £1758
Left: £84
Right have a look at this now is this any better
Jo
x
For more info on how i have come through bankruptcy and for links to help, you can read my blog here called:
Jo's Links and added info on Bankruptcy!
http://debtfreejo.blogs.bankruptcyhelp.org.uk/
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Edited by - Needafriend on 11 November 2008 17:50:19 |
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got there
Junior Member
United Kingdom
461 Posts |
Posted - 11 November 2008 : 17:48:32
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| I will post my expenditure that was agreed later when kids gone to bed - to see if that helps x |
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turborat
Junior Member
289 Posts |
Posted - 11 November 2008 : 17:59:10
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This is the revised list. All utilities are as accurate as possible, food, clothes, travelling, holiday etc are estimates as this is what we usually spend over a month and acounting for what might be needed.
Let me know what you think anyway as I am very nervous about getting it right as the day is getting ever closer!! This time next week the deed will be done!!
Rent...............................£575
Council Tax........................£93
Gas & Electric.....................£75
Food/toiletries....................£400
Telephone..........................£35
Fuel/travel........................£120
Clothes............................£30
Water..............................£34
Modest break.......................£30
Car insurance......................£28
Car tax............................£16
Car spares,MOT & sevicing..........£25
Contents insurance.................£16
TV license.........................£12
Dry cleaning.......................£12
Pet insurance,jabs,flea & worming..£30
Dentist............................£20
Prescriptions......................£8
Hairdresser........................£20
Hobbies............................£15
Emergencies........................£20
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 11 November 2008 : 18:14:45
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Hi Turborat
I would say leave it at that. It looks fine, the car insurance cost add into the MOT one as i have as you dont get a lot of space etc.
Take care
Jo
x
For more info on how i have come through bankruptcy and for links to help, you can read my blog here called:
Jo's Links and added info on Bankruptcy!
http://debtfreejo.blogs.bankruptcyhelp.org.uk/
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turborat
Junior Member
289 Posts |
Posted - 11 November 2008 : 19:02:45
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| Thanx Jo! |
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turborat
Junior Member
289 Posts |
Posted - 11 November 2008 : 19:06:39
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Thanx gettinthere,did they ask for proof on the telephone and clothes & car spares?
It makes me feel better knowing this part can now be ticked off the list. Not far to go now!! |
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turborat
Junior Member
289 Posts |
Posted - 11 November 2008 : 19:12:57
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| OOps, Sorry, missed reading your earlier list Jo. What would be required to have proof for from that list? |
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turborat
Junior Member
289 Posts |
Posted - 11 November 2008 : 19:17:19
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| Thanx gettingthere, really appreciate your help on this matter. This was the most confusing part for me but I think my head is round it now!!! |
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 11 November 2008 : 19:17:56
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I would not worry about being asked for proof. Just send in any copies of utility bills if asked.
Not long now and it will soon be over.
Take care
Jo
x
For more info on how i have come through bankruptcy and for links to help, you can read my blog here called:
Jo's Links and added info on Bankruptcy!
http://debtfreejo.blogs.bankruptcyhelp.org.uk/
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ke_ef36
Starting Member
United Kingdom
6 Posts |
Posted - 11 March 2009 : 09:16:06
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| sorry im not clued up yet folks..but if im married and living with my wife..but only myself wants to file for bankruptcy..would i just put down how much i pay per month?or do i have to put down the whole amount and how much my wife pays etc and her income etc etc...sorry new here |
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Expenditure list,...
