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indy2005
Junior Member
458 Posts |
 Posted - 19 May 2009 : 16:30:07
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Well,
This is my first post as a discharged!
I have to submit an IPOQ because my salary went up by £80. We said my wife paid £500 towards expenses because this meant that she paid more than half the mortgage (we had transferred the house into her name after I had used my half to pay off debts).
So even though my wife went from working 3 to 2 days, we didn't adjust the IPA because we didn't want to undermine the house position.
Now I am discharged and am having to complete an IPOQ, we want to show
* my increase of £80
* a decrease of a third of my wifes contribution as she has gone from 3 to 2 days a week (from £500 to £350).
*Increase in utility bills / council tax etc. since 12 months ago.
Also, as we are struggling to cover for children during school holidays, I would like to increase my holidays from 22 days to 27 days, reducing my available income by £80 a month, 10 days would be £160 days a month.
I have 2 weeks to adjust my "benefits" at work, including the purchase of additional holidays. This will reduce my income again.
I am guessing that the IPA should fit round my life, and not my life around the IPA - and so the OR who may object to me suddenly raising my pension contributions, can't really object to me reducing the amount of days a year I work - any more than they could object to me losing my job, or dropping a day a week for family reasons. We genuinely struggle to cover school holidays when I have minimum days leave.
Any thoughts appreciate on how to approach this, or any issues on any of the items above.
Regards
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gettingoutofdebt
forum expert
2418 Posts |
Posted - 19 May 2009 : 16:45:45
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The IPOQ is a reassessment of your I&E so you can put down your increase of income and your wife's decrease.
Just put down the amount you want to spend for the additional holidays and explain this to the OR/RTLU that it would cost you more in childcare during the school holidays than you are spending on buying the extra holidays.
As you say the IPA should work around you and not the other way around. Don't forget that you can disagree with the IPA amount if the OR/RTLU don't accept your changes. |
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indy2005
Junior Member
458 Posts |
Posted - 19 May 2009 : 16:50:31
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quote:
Originally posted by gettingoutofdebt
The IPOQ is a reassessment of your I&E so you can put down your increase of income and your wife's decrease.
Just put down the amount you want to spend for the additional holidays and explain this to the OR/RTLU that it would cost you more in childcare during the school holidays than you are spending on buying the extra holidays.
As you say the IPA should work around you and not the other way around. Don't forget that you can disagree with the IPA amount if the OR/RTLU don't accept your changes.
Hi,
I am not sure thats true. If I take 5 days extra a year, I lose £80 a month. I am sure I could get child care for a week for less than £960. Its more to do with the flexibility it gives us...plus they get looked after enough by strangers and my daughter is reaching pre-school age. They can't force me to use childcare!?!
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Edited by - indy2005 on 19 May 2009 16:51:39 |
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gettingoutofdebt
forum expert
2418 Posts |
Posted - 19 May 2009 : 17:30:53
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It may not be strictly true but I doubt if the OR/RTLU will push it that much or you could just say that you:
- need the flexibility
- it's your wage and you can do want you want with it provided you don't live lavishly
- don't have any good child care in the local area
- want to play as active a part in your children's upbringing as possible
- etc.
It's just about justifying the cost to the OR/RTLU and they won't question every cost. Don't forget that you are having an increase in your wage of £80 so if you buy an extra 5 days a year this would cover that. Your wife may contribute less but she is working fewer days and it was you that declared BR and not your wife (I don't think). |
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indy2005
Junior Member
458 Posts |
Posted - 19 May 2009 : 17:32:31
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quote:
Originally posted by gettingoutofdebt
It may not be strictly true but I doubt if the OR/RTLU will push it that much or you could just say that you:
- need the flexibility
- it's your wage and you can do want you want with it provided you don't live lavishly
- don't have any good child care in the local area
- want to play as active a part in your children's upbringing as possible
- etc.
It's just about justifying the cost to the OR/RTLU and they won't question every cost. Don't forget that you are having an increase in your wage of £80 so if you buy an extra 5 days a year this would cover that. Your wife may contribute less but she is working fewer days and it was you that declared BR and not your wife (I don't think).
OK, thanks. I have some good will in the bank as I reminded my case officer that they hadnt acted on 10K of shares I own (they had missed them!) and recently sent them 2.5K of my bonus 
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IPA - Increase holiday -> decrease salary
