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I&E allowances in IVA compared to BR
skibadee
Posts: 1,304 Forumite
Below is listed my IVA I&E...I have read on here many times that I&E in BR is more generous [ not sure that is the correct word to use!]
Could someone have a look for me please?
Net monthly income..................................................600
Partners take home pay............................................1611
Rent/board recieved..................................................180
total.....................................................................2391
rent.......................................................................375
water......................................................................38
gas.........................................................................35
electric....................................................................40
contents ins.............................................................14
telephone inc., mob., and internet................................40
tv licence................................................................12
sky.........................................................................20
repairs....................................................................25
child maintenance....................................................576
life ins.,...................................................................33
spares/servicing........................................................20
road tax..................................................................12
car ins....................................................................14
AA...........................................................................8
fuel and parking.......................................................120
fares/travel..............................................................20
food/toileteries/cleaning............................................400
meals at work...........................................................10
pet food/ins.............................................................20
clothing footwear......................................................40
hairdressing..............................................................15
medicines/prescriptions...............................................17
dentist/opticians........................................................11
sports/hobbies/entertainment.......................................20
sundries/emergencies..................................................20
husbands liabilites [ credit cards ].................................170
total.......................................................................2135
surplus .....................................................................256
Could someone have a look for me please?
Net monthly income..................................................600
Partners take home pay............................................1611
Rent/board recieved..................................................180
total.....................................................................2391
rent.......................................................................375
water......................................................................38
gas.........................................................................35
electric....................................................................40
contents ins.............................................................14
telephone inc., mob., and internet................................40
tv licence................................................................12
sky.........................................................................20
repairs....................................................................25
child maintenance....................................................576
life ins.,...................................................................33
spares/servicing........................................................20
road tax..................................................................12
car ins....................................................................14
AA...........................................................................8
fuel and parking.......................................................120
fares/travel..............................................................20
food/toileteries/cleaning............................................400
meals at work...........................................................10
pet food/ins.............................................................20
clothing footwear......................................................40
hairdressing..............................................................15
medicines/prescriptions...............................................17
dentist/opticians........................................................11
sports/hobbies/entertainment.......................................20
sundries/emergencies..................................................20
husbands liabilites [ credit cards ].................................170
total.......................................................................2135
surplus .....................................................................256
0
Comments
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How many people/children in the house? I'm guessing 2 adults and one grown up child paying board?0
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You don't put your OH's liabilities on your SoA, and you don't put their whole income, just their contribution to the shared household bills only.Accept your past without regret, handle your present with confidence and face your future without fear0
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Below is listed my IVA I&E...I have read on here many times that I&E in BR is more generous [ not sure that is the correct word to use!]
Could someone have a look for me please?
Net monthly income..................................................600
Partners take home pay............................................1611 Don't put full wage only what OH pays to joint household bills.
Rent/board recieved..................................................180 does this include bills and food?
total.....................................................................2391
rent.......................................................................375
water......................................................................38
gas.........................................................................35 is this actual from meter readings? Will it cover the winter?
electric....................................................................40 ditto
contents ins.............................................................14 does this include accidental damage?
telephone inc., mob., and internet................................40 £60
tv licence................................................................12
sky.........................................................................20 not allowed in your SoA, to be paid from surplus.
repairs....................................................................25
child maintenance....................................................576
life ins.,...................................................................33 the OR may have an interest in this
spares/servicing........................................................20
road tax..................................................................12
car ins....................................................................14 is this fully comp?
AA...........................................................................8
fuel and parking.......................................................120
fares/travel..............................................................20 what's this?
food/toileteries/cleaning............................................400 is this the 2 of you?
meals at work...........................................................10 has to come from food budget.
pet food/ins.............................................................20
clothing footwear......................................................40 £50
hairdressing..............................................................15
medicines/prescriptions...............................................17
dentist/opticians........................................................11
sports/hobbies/entertainment.......................................20 not allowed
sundries/emergencies..................................................20 some allow and some don't, leave and see.
husbands liabilites [ credit cards ].................................170 this will comes from your husbands money.
total.......................................................................2135
surplus .....................................................................256
Holidays £50
Do you wear suits to work? Dry cleaning £10/15BSCno.87The only stupid question is an unasked oneLoving life as a Kernow Hippy0 -
Net monthly income............................................ ......600
Partners take home pay............................................161 1 Don't put full wage only what OH pays to joint household bills.
Rent/board recieved.......................................... ........180 does this include bills and food? yes....board from non-dependent child
total............................................. ........................2391
rent.............................................. .........................375
water............................................. .........................38
gas............................................... ..........................35 is this actual from meter readings? Will it cover the winter? Should I increase gas and electric to 45 for gas and 60 for electric?
electric.......................................... ..........................40 ditto
contents ins............................................... ..............14 does this include accidental damage? yes
telephone inc., mob., and internet................................40 £60
tv licence........................................... .....................12
sky............................................... ..........................20 not allowed in your SoA, to be paid from surplus.
repairs........................................... .........................25
child maintenance....................................... .............576
life ins.,............................................. ......................33 the OR may have an interest in this
spares/servicing......................................... ...............20
road tax............................................... ...................12
car ins............................................... .....................14 is this fully comp? yes
AA................................................ ...........................8
fuel and parking........................................... ............120
fares/travel............................................ ..................20 what's this? I Don't drive so fares for my travel to woork etc
food/toileteries/cleaning.......................................... ..400 is this the 2 of you? for 3 adults
meals at work.............................................. .............10 has to come from food budget.
pet food/ins............................................... ..............20
clothing footwear.......................................... ............40 £50
hairdressing...................................... ........................15
medicines/prescriptions..................................... ..........17
dentist/opticians......................................... ...............11
sports/hobbies/entertainment..................................... ..20 not allowed
sundries/emergencies....................................... ...........20 some allow and some don't, leave and see.
husbands liabilites [ credit cards ].................................170 this will comes from your husbands money.
total............................................. ..........................2135
surplus .................................................. ...................256
Do you wear suits to work? Dry cleaning £10/15 no have uniform supplied but have to supply own summer uniform
l0 -
The turquoise is really hard to read
Is the car in your OH's name? If it is and you don't use it for work you don't put the costs down on your I&E, the car won't come into your BR at all.
The OR isn't interested in your OH's salary, so you need to take off the salary, and only put down his contribution to the rent, utilties, food, house insurance, pet insurance etc. His contribution should be aroung £550 ish
It the child maintenance your or your OH's child?
Is it only you going BR?Accept your past without regret, handle your present with confidence and face your future without fear0 -
peachyprice wrote: »The turquoise is really hard to read
Is the car in your OH's name? If it is and you don't use it for work you don't put the costs down on your I&E, the car won't come into your BR at all.
The OR isn't interested in your OH's salary, so you need to take off the salary, and only put down his contribution to the rent, utilties, food, house insurance, pet insurance etc. His contribution should be aroung £550 ish
It the child maintenance your or your OH's child?
Is it only you going BR?
Sorry about the turquoise!!
Yes car in OH's name,
maintenance is OH's child.
Yes only me going BR.........if I ever get the fees saved...got date bkd 14 August at 8.30am!0 -
Net monthly income..................................................600
Partners contribution ............................................561
Rent/board recieved..................................................180
total.....................................................................1341
rent.......................................................................375
water......................................................................38
gas.........................................................................45 To cover winter too
electric....................................................................50 Ditto
contents ins.............................................................14
telephone inc., mob., and internet................................60
tv licence................................................................12
repairs....................................................................25
life ins.,...................................................................33
fares/travel..............................................................80
food/toileteries/cleaning............................................450
pet/ins.....................................................................20
clothing footwear......................................................60 Inc summer uniform
hairdressing..............................................................10
medicines/prescriptions...............................................17
dentist/opticians........................................................20
sports/hobbies/entertainment.......................................0
sundries/emergencies..................................................20
total.......................................................................1329
surplus .....................................................................12
Your SoA would look someting like this.
HTHAccept your past without regret, handle your present with confidence and face your future without fear0 -
You need to up the food amount to include for 3 adults,so i would suggest about £500.Dx
PS the same could be said for utilities;)Free impartial debt advice available from: National Debtline - Tel: 0808 808 4000 | The Consumer Credit Counselling Service (CCCS) - Tel: 0800 138 1111 | Find your local Citizens Advice Bureau
Laugh at yourself and others laugh with you.Laugh at others and you laugh alone. BSC No 107:D0 -
peachyprice wrote: »Your SoA would look someting like this.
HTH
Thank you sooooo much peachyprice :A:A........am so screwed up bout all of this and scared i'll be making a mistake going BR...though I know I'm not.......can't afford IVA payments anymore,0
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