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megan17897
Starting Member
10 Posts |
 Posted - 30 January 2009 : 19:43:57
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I am just trying to work out my income and expenditure, and im not sure if i have over budgeted on some things. We are a family of 4, with 1 disabled child....
MY INCOME
My Carers allowance: 219 pm
Husbands wages: 1083 pm
Tax Credits: 641.03pm
TOTAL 1943.03
CHILDREN'S INMCOME
Child benefit 129.10 4 weekly
DLA for my son!!! 455 4 weekly
TOTAL 584.10
EXPENSES
Rent 354.51pm
Council tax 130 pm (includes arrears)
Food shopping 628 pm
Gas 70 pm
Electricity 45pm
Travelling expenses 195 pm
School Meals 54.16 pm
Meals at work 108 pm
Car Insurance 34.61 pm
Car maintinence 20 pm
MOT 5 pm
Dry cleaning 10 pm
Tv Licence 21 pm (includes arrears)
Telephone 50 pm
Pet food/care 20 pm
Clothing 120 pm
Domestic Break 50 pm
Personal hygiene essensials 75 pm (includes nappies for my son who is disabled and doubly incontinent)
TOTAL 1990.28
could anyone tell me by looking at this (if it is ok) weather u think the courts will issue a IPO/IPA against me or my husband?
Thank you xx
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Reviva UK
Advanced Member
United Kingdom
2452 Posts |
Posted - 30 January 2009 : 19:52:34
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Hi
just some thoughts
car tax ?
electricity seems cheap!
vets / pet medical bills?
dry cleaning?
haircuts
school uniform
after school activity
special costs for your son
opticians
dental
contents insurance
just some other thoughts
you do need to think about all your outgoings
Paul Johns
Assisted Bankruptcy Specialists
Reviva UK
Real People ..... Real Debt Solutions
www.revivauk.com |
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megan17897
Starting Member
10 Posts |
Posted - 30 January 2009 : 21:38:27
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hi,
Electricity i havent started paying for that yet, as we have just moved into our new house, dry cleaning i have put down at £10pm.
Car Tax, my sons DLA pays for that.
How much can i put for haircuts?
School uniform would that be included in clothes shopping??
After school activity i was told that i cant add that, so i dont know.
Special costs for my son, it varies from month to month, somethimes he doesnt cost me anything, and over months it costs me a fortune.
We dont have contents insurance yet.
Dental and optitians we are excempt so that doesnt cost us anything.
Looking at thisdo you think we will have an ipa/ipo issued against us?
thank you
A |
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megan17897
Starting Member
10 Posts |
Posted - 01 February 2009 : 14:59:29
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Can sum1 help me on this please, i just need to know weather it looks ok, and weather you think an ipa/ipo will be issued against me.
Anything would be appreciated |
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John
New Member
United Kingdom
73 Posts |
Posted - 01 February 2009 : 15:37:22
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Hi
you most certainly can claim for out of school activities. That said only about £10.
Haircuts per month for the 4 of you should be around £30. And although you pay your car tax from the DLA, you are entitled to the car, the car requires road tax, the dla is your sons and cannot be included as income. You should therefore claim the tax cost seperately and therefore claim it as an allowance.
These 2 things have increased your expenditure by approx £45. Having entered these into your list and noting the I&E (neither of your benefits are income) totals listed, that would give you a monthly disposable income of -£92.
This is £192 per month below the sum required for the minimum IPA.
So, can the OR "shave off" £192 per month from your listed expenditure to effect an IPA proposal?
This is just my opinion but, I think the housekeeping figure of £628 may be considered approx £80 too high (£112 to go).
Personal hygeine essentials, other than your sons, may not be allowed in addition to housekeeping.
So for the purpose of arguement let's halve it.
So we are down another £37 (£75 to go).
Your council tax and tv licence arrears will end so the licence will reduce to £12 - reducing by £9 (£66 to go).
I don't know what proportion of your council tax is towards the arrears but looking at the rest I would say also that your electricity is likely to be more than your estimate and the domestic break could be increased by £30..
At this stage then I would say the the proposal for a low end IPA is quite possible BUT, if you stand firm if and when it comes, and based only on these figures, I believe it could be avoided. |
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megan17897
Starting Member
10 Posts |
Posted - 02 February 2009 : 00:29:54
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thank you John,
I would like to speak to you to discuss this further if that is possible, if i contact the above number, can i ask to speak to you directly? |
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Jane.l
Average Member
511 Posts |
Posted - 02 February 2009 : 11:40:51
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My opinion, going off my experience, is that the OR will definitely try for an IPA from you. I know they have their guidelines and some are stricter than most and I hope you get a "lenient" one and you may avoid one but its all the luck of the draw!
Our food was £545 for 2 adults and 3 teenagers and the OR said it was too high, we were not allowed a holiday/break, no contingency, birthdays, xmas, he cut the clothing from £100 to £80,
I don't think they would allow meals at work, that would have to come out of the housekeeping, (thats what we were told) |
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go_4_broke
Junior Member
221 Posts |
Posted - 02 February 2009 : 12:07:18
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Unforunately ORs are not consistent, a good rule of thumb is usually to claim for as much as you reasonably can and let the OR cut you down. I was actually told this by an OR.
Best Regards |
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megan17897
Starting Member
10 Posts |
Posted - 02 February 2009 : 12:30:26
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Thank you every1, to be honest tho i didnt think that 628 for housekeeping wasnt too much, i know in not an expert, but i have worked it out that £628 pm = £5 per day for each of us, this in cludes meals, cleaning, and personal essensials (eg shampoo etc...). And if my husband meals at work have to be included in the housekeeping, it would need to be increrased. Im confused to high heaven!!!
more help pleaseeee XX |
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grace347
Starting Member
United Kingdom
36 Posts |
Posted - 02 February 2009 : 20:46:30
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quote:
Originally posted by Jane.l
My opinion, going off my experience, is that the OR will definitely try for an IPA from you. I know they have their guidelines and some are stricter than most and I hope you get a "lenient" one and you may avoid one but its all the luck of the draw!
Our food was £545 for 2 adults and 3 teenagers and the OR said it was too high, we were not allowed a holiday/break, no contingency, birthdays, xmas, he cut the clothing from £100 to £80,
I don't think they would allow meals at work, that would have to come out of the housekeeping, (thats what we were told)
Hi,
I'm no expert at all, only posted on here asking for advice myself a few times, however I just wanted to say that this sounds a bit tight! How on earth are you supposed to feed 2 adults and 3 teenagers on 545 never mind less than!?
Jen x |
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s4pps
Junior Member
252 Posts |
Posted - 02 February 2009 : 21:07:05
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Hi Megan,
Regarding the nappies. Do you not get nappies for your son on the NHS? My little girl is 10 and still in nappies and we are allowed them on the NHS. Might be worth checking.
Grace 347 - we're a family of 6, including my husband and 3 teenage boys. Our allowance is £600 per month, and actually it is doable :) Considering pre-BR we were surviving on £50 a week! For £150 we can eat like royalty! :)
Suzanne x
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joella68
Junior Member
United Kingdom
280 Posts |
Posted - 02 February 2009 : 21:54:43
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hi megan just to let you know we were allowed 585 for 2 adults and 3 kids, the or also told us that some of pue expenditure was too low and that we need to increase in certain areas !!!!
we thought ours was pushing our luck, it all depends on your OR im affraid
moving forward to new beginnings
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Could someone look over this for me plzzzz
