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rabbit007
Junior Member
112 Posts |
 Posted - 15 July 2009 : 21:26:00
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help with I&E please.
income £1100
288 rent
200 foods,housekeeping and lunch at work
58 council tax
60 gas and electric
9 water
50 clothing
20 dentist as my teeth are jacket and needs cleaning and check up
10 hairdressing
7 union fee
4 tv
60 mobile phone and calling cards to call a family backhome
10 dry cleaning
50 visiting children backhome
280 maintainance for 2 kids backhome.age 5 & 2...
TOTAL EXPENDITURES £1106....
can i include health maintainance for myself as i dont have a life insurance.
i have also a hp car finance which i pay £98 a month and still have 6 months left to finish...thanks
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RHB
Senior Member
1159 Posts |
Posted - 16 July 2009 : 10:01:30
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| How do you get to work? I would put down expenses for that if you go by bus say. |
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xmas baby
Average Member
537 Posts |
Posted - 16 July 2009 : 11:54:55
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Hi Rabbit,
Not sure if you'll be allowed union fees to be honest. I do pay a union fee but it is taking from my pay at source. Maybe this is something you could arrange if you are currently paying it independently? Also the OR may not allow the £50 for visiting your children and your mobile might be a bit too high.
Sorry to sound so negative, but thats just my experience and I could be wrong. At the end of the day, you can try and get all these through and see what the OR decides on what is reasonable.
xmas baby |
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Skippy
forum expert
United Kingdom
3290 Posts |
Posted - 16 July 2009 : 12:32:40
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If the maintenance is above the CSA (or whatever it is now) level it may be reduced.
I've noticed that you say you are paying £98 for a car but haven't listed anything for petrol, tax, insurance or maintenance.
£60 for phone seems quite high.
Dentist may be reduced, I think the allowance is £10 per month.
I'm not sure if you'll be allowed the £50 for visiting your children.
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/
24 IPA payments made, 12 to go - on the home straight! |
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Angela Rosler
Starting Member
United Kingdom
20 Posts |
Posted - 16 July 2009 : 18:13:10
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Hi Rabbit
Is this for your OR interview?
You need to revisit your budget - you can't have expenditure in excess of your income. It may be that family and friends are prepared to assist, but you still have to take account of this and deal with the shortfall. Work out your budget to within your means to help yourself going forward.
I'm assuming that you're flat- or house-sharing because of the expenditure on TV licence and utilities - maybe you can look to make some savings on your food bill by pooling resources again.
As Skippy pointed out, you've nothing listed for the car and this is normally allowable reasonable expenditure for getting to and from work.
Mobile - can you and your family not subscribe to the same network and get free calls? Some networks allow upto 10 registered landline numbers that you won't have to pay when you call.
Angela Rosler
Debt Counsellor
**email address removed** |
Edited by - Skippy on 16 July 2009 18:22:38 |
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gettingoutofdebt
forum expert
2418 Posts |
Posted - 16 July 2009 : 19:06:23
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I think from previous posts that rabbit's children are abroad so the OR may take this into consideration with the £60 mobile and £50 for visiting his children.
I presume calling cards are cheaper that just phoning abroad without them so this may be the cheapest option to keep in touch with his children.
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Reviva UK
Advanced Member
United Kingdom
2452 Posts |
Posted - 16 July 2009 : 21:18:02
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All the other expenses - especially the accomodation costs are modest so I anticipate that the OR will be lenient with everything else.
Paul Johns
Bankruptcy Specialists
Reviva UK
www.revivauk.com
Real People ..... Real Debt Solutions |
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rabbit007
Junior Member
112 Posts |
Posted - 17 July 2009 : 20:33:59
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thank u so much on your reply...thank u thank u thank......
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RHB
Senior Member
1159 Posts |
Posted - 18 July 2009 : 08:21:32
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| I am sure things will work out ok. |
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Topic |
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help with I&E please.
