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Sparkle83
Junior Member
258 Posts |
 Posted - 28 February 2009 : 17:00:47
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I've done this based on what we spend, and am expecting to get argued down on alot of things. Is it better to do it this way, so that there is some room for negotiation?
This is for both of us, with 4 cats and one large dog.
Rent: 425
C/tax: 100
Housekeeping (inc pet food): 360
Water: 50
Electric: 50
Gas: 20
Tv: 32 (19 is sky, but we get no signal on aerials)
Phone: 100
Travel: 70
Car costs (ins,tax,repairs): 100
Meals at work: 30
Clothing: 60
Dry cleaning: 10
Prescriptions: 10 (I have an exemption card so just hubbys)
Dental: 20
Optician: 20
Hair dressing: 20
Pet insurance: 50
Domestic Break: 60
(Currently have no contents ins as looking in to getting it, so nothing for that)
Expenditure: 1587
Income: 1338 |
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Melanie.n
forum expert
United Kingdom
1282 Posts |
Posted - 28 February 2009 : 17:11:29
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you would not get the last two allowances past the OR, phone costs also seem high, however, going in on the max or above is good, but be prepared for amendments to be made, far better that way than undercutting yourself!
Melanie Nicholas
28 years insolvency experience - 23 of which in the Insolvency Service
- Insolvency Manager
Jones Giles
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Sparkle83
Junior Member
258 Posts |
Posted - 28 February 2009 : 18:06:48
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| we wont get the pet insurance allowed? |
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Skippy
forum expert
United Kingdom
3290 Posts |
Posted - 28 February 2009 : 18:17:16
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I think Melanie has said this because it's quite high - how many pets is that for?
Tomorrow is a mystery, yesterday is history, today is the present, a gift to make the most of.
View my blog at http://skippy13.blogs.bankruptcyhelp.org.uk/
20 IPA payments made, 16 to go - on the home straight! |
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Sparkle83
Junior Member
258 Posts |
Posted - 28 February 2009 : 18:18:25
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| one large dog and 4 cats |
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Skippy
forum expert
United Kingdom
3290 Posts |
Posted - 28 February 2009 : 18:21:41
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I thought (and Melanie will correct me if I'm wrong) that you were allowed up to £20 per pet.
Tomorrow is a mystery, yesterday is history, today is the present, a gift to make the most of.
View my blog at http://skippy13.blogs.bankruptcyhelp.org.uk/
20 IPA payments made, 16 to go - on the home straight! |
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Sparkle83
Junior Member
258 Posts |
Posted - 28 February 2009 : 18:31:05
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| so thats still a way under £20 each... |
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Skippy
forum expert
United Kingdom
3290 Posts |
Posted - 28 February 2009 : 18:39:19
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As I said I'm not 100% sure as I didn't have any animals when I went BR.
Tomorrow is a mystery, yesterday is history, today is the present, a gift to make the most of.
View my blog at http://skippy13.blogs.bankruptcyhelp.org.uk/
20 IPA payments made, 16 to go - on the home straight! |
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Sparkle83
Junior Member
258 Posts |
Posted - 28 February 2009 : 18:42:23
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I definately have proof of it at least, we've had the same insurance provider at this rate since july...
I can see I'm gonna have to do a great deal of persuading, such as with the phones :( |
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Sparkle83
Junior Member
258 Posts |
Posted - 01 March 2009 : 10:15:56
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| wondered if anyone had anymore suggestions/amendments as I have to commit this to paper today :S |
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s4pps
Junior Member
252 Posts |
Posted - 01 March 2009 : 10:25:55
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Don't worry and just fill it in. My OR just went through, questioned a couple of things, and ticked what she allowed. You could play with it for 10 years, better to just do it and wait and see :)
Suzanne x
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Jane.l
Average Member
511 Posts |
Posted - 01 March 2009 : 12:02:07
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We have 2 cats, the pet insurance per month is £20 for both and food/litter about another £20.
The maximum allowed is £20, not PER PET, but overall, so we had to pay the insurance out of surplus. |
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Skippy
forum expert
United Kingdom
3290 Posts |
Posted - 01 March 2009 : 13:07:36
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Sorry for the confustion, and thanks for clearing that up Jane!
Tomorrow is a mystery, yesterday is history, today is the present, a gift to make the most of.
View my blog at http://skippy13.blogs.bankruptcyhelp.org.uk/
20 IPA payments made, 16 to go - on the home straight! |
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jurgenpie
Starting Member
United Kingdom
30 Posts |
Posted - 01 March 2009 : 13:30:43
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I was allowed £10 a week pet food (2 cats) and my pet insurance is £8 a month for both with Saga.
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Skippy
forum expert
United Kingdom
3290 Posts |
Posted - 01 March 2009 : 13:34:17
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I didn't have a cat when I went BR, but when I have mi I & E reassessed in April (pay cut at work) I'm going to claim £20 for him - £12 insurance per month and the rest for his food.
Tomorrow is a mystery, yesterday is history, today is the present, a gift to make the most of.
View my blog at http://skippy13.blogs.bankruptcyhelp.org.uk/
20 IPA payments made, 16 to go - on the home straight! |
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Sparkle83
Junior Member
258 Posts |
Posted - 01 March 2009 : 15:11:42
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eeeeeep :O
I included pet food in my housekeeping. I guess I'll have to take the insurance off them, as if I get an IPA, I definately cant afford to have them insured :( |
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My I&E (advice wanted)
