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andy b
Junior Member
267 Posts |
 Posted - 07 January 2009 : 09:21:52
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Hi there,
Could I please have some opinions on my expenditure submission.
Just my wife and I.
rent 300
housekeeping 360
gas etc 80
water 30
phone 70
travelling 160
public transport 48
clothing 100
council tax 105
other essential payments
tv license 11.38
car insurance 16
car tax 5
car spares and servicing 30
hobbies/entertainment 50
dentist/prescription/haircut 15
emergency household repairs 20
grand total 1400.38
monthly income 1200
I know outgoings are higher than incomings but advice so far is to put down what is available in the guidelines, i'm still concerned this will backfire. any thoughts?
Regards,
Andy |
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Reviva UK
Advanced Member
United Kingdom
2452 Posts |
Posted - 07 January 2009 : 09:35:23
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Hi
I have some thoughts below
rent 300
housekeeping 360 - too high for 2 people unless there is a special dietry requirement like diabetes
so allowances would be around £285
gas etc 80 - possibly on th low side considering how cold it is
water 30
phone 70 - allowances are usually around £55
travelling 160 ( do the maths to make sure the mpg for your car equates to this cost for monthly to and from work
public transport 48
clothing 100 - too high for 2 people , probably nearer 40 - 60
council tax 105
other essential payments
tv license 11.38
car insurance 16
car tax 5 - seems cheap?
car spares and servicing 30
hobbies/entertainment 50 - not allowed in br expenditure
dentist/prescription/haircut 15
haircuts at £10 each adult
dental at 10 - 15
emergency household repairs 20 - as you have a rented property this is not allowed
you are allowed contents insurance
boiler breakdown ( instead of emergency repairs)
dry cleaning if needed for work
sometimes they allow an allowance for a modest family break ( £15ish each )
grand total 1400.38
monthly income 1200
hope this helps a little
Paul Johns
Assisted Bankruptcy Specialists
Reviva UK
Real People ..... Real Debt Solutions
www.revivauk.com |
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andy b
Junior Member
267 Posts |
Posted - 07 January 2009 : 09:49:11
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Thank you Paul for your help.
Are you happy that it will me more than the income?
And so I don't freeze on the day if the OR mentions it, what would an acceptable reason for it to be higher?
Regards,
Andy |
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andy b
Junior Member
267 Posts |
Posted - 07 January 2009 : 12:48:55
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Sorry to bump but photocopying forms today so looking for feedback on above question.
andy |
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 07 January 2009 : 12:57:09
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Hi Andy
It is quite acceptable for your outgoings to be higher than your income, so dont worry about it, the cost of living has gone up.
Jo
x
22 Weeks down
30 to go
For more info on how i have come through bankruptcy and for links to help, you can read my blog here called:
Needafriend's Info on Bankruptcy :-)
http://debtfreejo.blogs.bankruptcyhelp.org.uk/
Needafriend says: Live life to the full, take life by the horns and live a little, otherwise life would be so boring! |
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andy b
Junior Member
267 Posts |
Posted - 07 January 2009 : 13:00:20
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Many Thanks
Andy xx |
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 07 January 2009 : 13:38:54
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Again
Your more than welcome. I help where i can:-)
Jo
x
22 Weeks down
30 to go
For more info on how i have come through bankruptcy and for links to help, you can read my blog here called:
Needafriend's Info on Bankruptcy :-)
http://debtfreejo.blogs.bankruptcyhelp.org.uk/
Needafriend says: Live life to the full, take life by the horns and live a little, otherwise life would be so boring! |
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My expenditure
