We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

New Job / IPA / I&E HELP!

G-G_4
G-G_4 Posts: 3,090 Forumite
in Bankruptcy & living with it
Hi everyone,

Getting a job soon hopefully, after a few years being self employed, so it's a bit daunting..

Even more daunting is the thought of having to pay a massive IPA or something as i'm struggling enough to get the motivation to work.. :o

My question is, if I am going to earn about £1000 a month, what can I say my outgoing are?

The thing is, apart from food shopping £300 a month, the OH pays for everything, but he is in 30k of debt himself, plus his mortgage, so I want to contribute more to the household so that we can get rid of his debt.

So:

£300 food (2 adults, 2 dogs, 2 rabbits, 2 guinea pigs)
£300 rent (can I say this?)
£50 Transport (bus into work everyday)
£50 clothing (office clothes)
£11 t.v license
£29 Pet insurance for 2 dogs
£42 Council tax (for my share)
£50 Gas/Electric (for my share)
£50 Holiday savings
£40 Mobile Phone

Anything else?

Also, my boyfriend pays for the mortgage that is in just his name and so are all the bills, so not sure what I can say I pay for and will be accepted?

I just want to try and get this debt payed off and not have to pay £200-£300 a month on an IPA as I don't think we can afford to.. :o

Thanks, Gem x
:D BSC Member 155 :cool:
«13456

Comments

  • G-G_4
    G-G_4 Posts: 3,090 Forumite
    Anyone? :T
    :D BSC Member 155 :cool:
  • betterlatethannever
    betterlatethannever Posts: 5,280 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Sorry G-G, must have slipped though the net.

    have a look at this http://www.bankruptcyhelp.org.uk/forum/topic.asp?TOPIC_ID=100 to see what can be applied for and work from there.
    I'm never quite sure on what you put down when theres a partner involved so i'll let others help you there.
    I take it your partner isn't going BR too?
    The first time we said hello, was the first time we said goodbye. As the angels took your tiny hand and flew you to the sky-you forever left us breathless. RIP my beautiful granddaughter :(
  • betterlatethannever
    betterlatethannever Posts: 5,280 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    also this can be of help. http://www.hmrc.gov.uk/manuals/dmbmanual/DMBM800120.htm
    The first time we said hello, was the first time we said goodbye. As the angels took your tiny hand and flew you to the sky-you forever left us breathless. RIP my beautiful granddaughter :(
  • G-G_4
    G-G_4 Posts: 3,090 Forumite
    Thanks BLT!

    No, OH is ok, just me that's got issues haha

    thanks fo the links, much appreciated! I havn't a clue where to start..

    x
    :D BSC Member 155 :cool:
  • G-G_4
    G-G_4 Posts: 3,090 Forumite
    £250 food (2 adults, 2 dogs, 2 rabbits, 2 guinea pigs)
    £300 rent (can I say this?)
    £50 Transport (bus into work everyday)
    £50 clothing (office clothes)
    £11 t.v license
    £29 Pet insurance for 2 dogs
    £42 Council tax (for my share)
    £50 Gas/Electric (for my share)
    £50 Holiday savings
    £40 Mobile Phone
    £15 Prescriptions
    £15 Dental
    £10 Dry Cleaning
    £20 Dog Care (Food)
    £10 Hairdressing

    Got a couple more added on...
    :D BSC Member 155 :cool:
  • tigerfeet2006
    tigerfeet2006 Posts: 14,030 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    G-G wrote: »
    £250 food (2 adults, 2 dogs, 2 rabbits, 2 guinea pigs)
    £300 rent (can I say this?) Not sure to be honest. A quick call to NDL or the IS might clarify
    £50 Transport (bus into work everyday)
    £50 clothing (office clothes)
    £11 t.v license
    £29 Pet insurance for 2 dogs
    £42 Council tax (for my share)
    £50 Gas/Electric (for my share)
    £50 Holiday savings this may be cut
    £40 Mobile Phone you might have to justify this
    £15 Prescriptions Do you have a lot of medication in a month? The OR will probably require you take out a prescription passport(will post link)
    £15 Dental
    £10 Dry Cleaning
    £20 Dog Care (Food)
    £10 Hairdressing

    Got a couple more added on...

    http://www.ppa.org.uk/ppa/ppc_intro.htm

    Just a quick note if you need to you possible could up your hk. T he trigger figure for a DMP is £30-35 per person per week.
    BSCno.87
    The only stupid question is an unasked one
    Loving life as a Kernow Hippy
  • betterlatethannever
    betterlatethannever Posts: 5,280 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    What do you think about the rent though Tiger..i'm stumped on this one? i don't think it can be allowed and there maybe a BI problem here, but i'm green on the whole issue.
    I agree the holiday is a little high, it would be expected that you would share the cost, so maybe £30+. Pets maybe a little high too.
    How about maintenance and repairs...?
    The first time we said hello, was the first time we said goodbye. As the angels took your tiny hand and flew you to the sky-you forever left us breathless. RIP my beautiful granddaughter :(
  • G-G_4
    G-G_4 Posts: 3,090 Forumite
    Yeah, not sure what to do about rent, I guess I can put it down and hope he agrees..

    What is HK? sorry..

    Maintenance and repairs, good idea - not sure how much to go for though?

    Thanks for the help guys.. it's really appreciated.. x
    :D BSC Member 155 :cool:
  • G-G_4
    G-G_4 Posts: 3,090 Forumite
    Oh, as for prescriptions, well I have a couple of medical issues, such as gall stones and some cream i need for my bottom (how embarrasing! haha)... Maybe I should change that to £8 a month to reflect what a yearly thingy would cost..
    :D BSC Member 155 :cool:
  • betterlatethannever
    betterlatethannever Posts: 5,280 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    :rotfl: :rotfl: bottom cream..i can't believe you admitted to that!!
    HK = housekeeping.
    Try £20-£30 for repaires.
    The first time we said hello, was the first time we said goodbye. As the angels took your tiny hand and flew you to the sky-you forever left us breathless. RIP my beautiful granddaughter :(
This discussion has been closed.
★ ★ ★ Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 352.3K Banking & Borrowing
  • 253.6K Reduce Debt & Boost Income
  • 454.3K Spending & Discounts
  • 245.3K Work, Benefits & Business
  • 601.1K Mortgages, Homes & Bills
  • 177.5K Life & Family
  • 259.2K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.
Update Your Picture