Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • Singlemumm
    • By Singlemumm 9th Nov 17, 5:26 PM
    • 23Posts
    • 1Thanks
    Singlemumm
    reasonable expenses single 1child
    • #1
    • 9th Nov 17, 5:26 PM
    reasonable expenses single 1child 9th Nov 17 at 5:26 PM
    Hi all,
    I am new there.pls pls I am very shocked and getting ill about it.
    I complete my BR application and week ago OR made me bankrupt.
    I have big debts from my past,left after my ex broked my life.I decide to go bankrupt.
    well I have BRO now,and I was expecting to have interview at least by phone but no!I just received yesterday letter with IPA that is £387 35months!
    My income is 1630 and expenditures nearly the same.My ex do not help financialy so how I can afford to pay nearly 400/month?
    pls pls guys advice what to do in this case.
    OR said you just gave numbers,and many things has been not allowed and he even did not explain that.
    it is worth to not sign agreement and try to get lower IPA?
    THANK YOU ALL IN ADVANCE
Page 2
    • Singlemumm
    • By Singlemumm 10th Nov 17, 6:20 AM
    • 23 Posts
    • 1 Thanks
    Singlemumm
    And one more question.
    I do know already in Mach I will get smaller wage as in February I have booked unpaid parental leave, one week. Do I need to tell it to OR in advance?
    Letter says I must to start to pay IPA 7th January.
    I know in my case I have to work as much as possible and I am always did. So please do not judge me.
    Me and my daughter we saw so many bad things from my ex so this very affected our health and life.
    My expenses could be smaller but there is some things like I using not prescribed tablets, that is really cost but with no it I even couldnt sleep.Nightmare with him is over but now still affects us.
    And I think I am not luckiest person in this world and always been like this. If you try to save on one, definetely will spend somewhere else.
    Why I have mentioned dentist before, I do have 10 crowns, thats is a lot in my age and sometimes they need to be fixed, until I will can afford to change it.You even cannot imagine what mean to afraid smile or eat.But there is another story.
    • Singlemumm
    • By Singlemumm 10th Nov 17, 6:27 AM
    • 23 Posts
    • 1 Thanks
    Singlemumm
    One more thing strange to me, notice to creditors. OR says will contact with them again as there unlikely debts will be paid.
    nearly 15k will be taken from me on IPA, so where these money will go?
    • philnicandevan
    • By philnicandevan 10th Nov 17, 8:14 AM
    • 520 Posts
    • 500 Thanks
    philnicandevan
    One more thing strange to me, notice to creditors. OR says will contact with them again as there unlikely debts will be paid.
    nearly 15k will be taken from me on IPA, so where these money will go?
    Originally posted by Singlemumm
    Mostly OR's & IPA management fees....then whatevers left after that creditors will receive (if anything)
    Not quite a newbie as you think (the member formally known as philnicandamy!)

    FINALLY a qualified CAB debt caseworker 2015..
    BSC 58
    • IAmWales
    • By IAmWales 10th Nov 17, 10:32 AM
    • 1,630 Posts
    • 3,359 Thanks
    IAmWales
    Does your dentist do NHS work? If not, find one that does. They must offer you clinically necessary treatment within the NHS pricing structure. That might not cover everything you want, but your teeth will do what they're designed to.
    • IAmWales
    • By IAmWales 10th Nov 17, 10:44 AM
    • 1,630 Posts
    • 3,359 Thanks
    IAmWales
    Hi all,

    Before I am going to work, I will add details from my income and expenditures what I have filled when made app online.
    INCOME 1673( salary 1357, Child benefit 81, Child tax credit 235)
    EXPENSES 1672.68 :
    rent- 373/month
    tv licence - 6/week
    council tax - 56/month
    gas - 30/month
    eletricity - 30/month
    water - 18/month
    opticians - 16.67/month what is this for?
    Groceries -110/week this can be halved
    toiletries- 12/week
    (food and housekeeping per month 615,34)
    meals at work - 20/week take packed lunch
    public transport-120/month
    School uniforms -300/year
    school meals - 20/week packed lunch
    after school clubs and trips - 35/month
    clothing and footwear - 30/week 130 a month is far too high
    hairdressing - 40/month can be halved
    internet tv - 19/month
    2mobile phones - 40/month £12 a month for two sims once out of contract
    laundry and cleaning - 12/month
    Originally posted by Singlemumm
    You're spending £150 a week on food when you include school and work lunches. Most people can do this for less than £50. If you're genuinely spending that much, what are you buying and where are you shopping?
    • Singlemumm
    • By Singlemumm 10th Nov 17, 12:34 PM
    • 23 Posts
    • 1 Thanks
    Singlemumm
    opticians-2 pairs of glases to me.
    hairdressing-20£ to me and 20 to my daughter
    mobile phones-we have pay as you go,£20 each as we need international and national calls.
    so I think I do have put down clothes and groceries
    • Singlemumm
    • By Singlemumm 10th Nov 17, 12:39 PM
    • 23 Posts
    • 1 Thanks
    Singlemumm
    yes,my dentist works for NHS.
    He said he cant provide dental treatment that I need under NHS.He has offered to do it by him on private.
    I do understand I cannot afford implants,so I event did not ask for it.at the moment I need to change 2 bridges that composed from 10 crowns.
    well,I am not 79 years old lady to agree to have dentures.
    Just I will save somehow money and in 10 years maybe will be fine
    • IAmWales
    • By IAmWales 10th Nov 17, 2:09 PM
    • 1,630 Posts
    • 3,359 Thanks
    IAmWales
    opticians-2 pairs of glases to me.
    hairdressing-20£ to me and 20 to my daughter
    mobile phones-we have pay as you go,£20 each as we need international and national calls.
    so I think I do have put down clothes and groceries
    Originally posted by Singlemumm
    Do you have a complex eye prescription? Are you still paying off the ones you already have?

    You can get a sim card that covers everything for £6 a month. Use WhatsApp or Skype to call overseas. £20 a month on PAYG is very high.

    Hair, cut down on appts, use a college salon, do a colour yourself.

    There are so many ways you can cut costs with a little flexibility.
    • iammumtoone
    • By iammumtoone 10th Nov 17, 6:55 PM
    • 5,232 Posts
    • 10,854 Thanks
    iammumtoone
    Hi all,

    Before I am going to work, I will add details from my income and expenditures what I have filled when made app online.
    INCOME 1673( salary 1357, Child benefit 81, Child tax credit 235)
    EXPENSES 1672.68 :
    rent- 373/month 373 month
    tv licence - 6/week 25 month
    council tax - 56/month 56 month
    gas - 30/month 30 month
    eletricity - 30/month 30 month
    water - 18/month 18 month
    opticians - 16.67/month 14 month
    Prescriptions 11 per month
    Groceries -110/week 308 month
    toiletries- 12/week incl in groceries
    (food and housekeeping per month 615,34)
    meals at work - 20/week 36 month
    public transport-120/month 120 month
    School uniforms -300/year 25 month - but could be included in clothing
    school meals - 20/week 50 month
    after school clubs and trips - 35/month 31 month (this inc allowance for pocket money and Entertainment) you could split out after school clubs and call this childcare if you are at work these hours
    clothing and footwear - 30/week 64 month
    hairdressing - 40/month 19 month
    internet tv - 19/month 19 month
    2mobile phones - 40/month 40 month
    laundry and cleaning - 12/month included in groceries


    Originally posted by Singlemumm
    Total 1269 leaves you £407 spare more than you have been asked to pay - perhaps you need to look again

    Most of the above amounts were at the maximum figures and I am guessing that you will be expected not to put down everything at maximum.

    taken from https://www.mccambridgeduffy.co.uk/articles/iva-guidelines/ which may not be exact but gives a rough idea.
    Last edited by iammumtoone; 10-11-2017 at 6:58 PM.
    • iammumtoone
    • By iammumtoone 10th Nov 17, 7:13 PM
    • 5,232 Posts
    • 10,854 Thanks
    iammumtoone
    yes,my dentist works for NHS.
    He said he cant provide dental treatment that I need under NHS.He has offered to do it by him on private.
    I do understand I cannot afford implants,so I event did not ask for it.at the moment I need to change 2 bridges that composed from 10 crowns.
    well,I am not 79 years old lady to agree to have dentures.
    Just I will save somehow money and in 10 years maybe will be fine
    Originally posted by Singlemumm
    I wouldn't want to wear dentures either but neither could I afford expensive private dental treatment, not many people can.

    I think you need to understand that bankruptcy is there so people can start afresh as they are never going to be able to pay what they owe and to keep worrying about it is not fair on them to live like that. Its not there so you can wipe the slate clean leaving you free to afford cosmetic procedures. I don't mean that to sound harsh buts it how it will be viewed by those making the decisions.

    Can it wait until you are in a better place to be able to afford these things. Could you take the NHS option for now and still be able to have bridges in the future when hopefully you can afford it.
    Last edited by iammumtoone; 10-11-2017 at 7:42 PM.
    • Singlemumm
    • By Singlemumm 10th Nov 17, 7:46 PM
    • 23 Posts
    • 1 Thanks
    Singlemumm
    I have received email from OR assistance with breakdowns he made.
    For groceries he put £337 and clothing/footwear/hairdressing £80.
    At least I do know now.
    but I have compare numbers and bettwen my amount and hes amount is difference.
    there is not £387 but £358.
    how this is possible?
    soo finally, it is worth to not sign and a bit negotiate?
    • pelirocco
    • By pelirocco 10th Nov 17, 8:32 PM
    • 7,578 Posts
    • 8,434 Thanks
    pelirocco
    I think you need to post on the debt free board they will help you

    I dont know about bankruptcy someone else can advise on that but you expensives are high

    144 a month (1728 per year) for school dinners trips uniform is alot - make sandwiches / uniform is only needed once a year how much it is? how many school trips? what is this per year? does your child have to go?

    200 per month on clothing is alot when you can't afford it

    600 per month for two people on food/laundry, sorry but that's crazy you can cut this down to 200

    I am single with one child I have approx the same monthly income as you. If I put my mind to it and lived more frugally I could easily save 387 per month.

    Do not panic post on other areas of the site they will help you get your spend down. Look on the old style board to see how to save on you grocery/household bill.

    Good Luck
    Originally posted by iammumtoone
    This poster needs advice on allowable expenditure for bankruptcy, not how to reduce their spends (at the moment) they need to be able to go back to the OR to question how they arrived at the excess
    Vuja De - the feeling you'll be here later
    • middleclassbutpoor
    • By middleclassbutpoor 10th Nov 17, 8:33 PM
    • 66 Posts
    • 97 Thanks
    middleclassbutpoor
    Hi all,

    Before I am going to work, I will add details from my income and expenditures what I have filled when made app online.
    INCOME 1673( salary 1357, Child benefit 81, Child tax credit 235)
    EXPENSES 1672.68 :
    rent- 373/month
    tv licence - 6/week - isn't this £12 per month?
    council tax - 56/month
    gas - 30/month
    eletricity - 30/month
    water - 18/month
    opticians - 16.67/month
    Groceries -110/weekWe have 4 of us and spend half of that which includes lunches at work for the week for 2 adults and our tolietries and laundry costs etc
    toiletries- 12/week
    (food and housekeeping per month 615,34)
    meals at work - 20/weekNot essential really - you could prepare lunch for less than £4 per day based on 5 day week
    public transport-120/month
    School uniforms -300/year £25 per month
    school meals - 20/weekcould take packed lunch
    after school clubs and trips - 35/month
    clothing and footwear - 30/week this can't be right? Is this a monthly figure?
    hairdressing - 40/month
    internet tv - 19/month
    2mobile phones - 40/month
    laundry and cleaning - 12/month
    Originally posted by Singlemumm
    Not quoting from what is acceptable/not acceptable but some comments on your outgoing for you to consider.

    I think to spend £160 every 4 weeks on food at school and work is quite a lot of money. You could have a decent pack up for half of this or less.

    You are spending £120 every 4 weeks on clothes - again this is surely going to be questioned?
    • iammumtoone
    • By iammumtoone 10th Nov 17, 8:55 PM
    • 5,232 Posts
    • 10,854 Thanks
    iammumtoone
    This poster needs advice on allowable expenditure for bankruptcy, not how to reduce their spends (at the moment) they need to be able to go back to the OR to question how they arrived at the excess
    Originally posted by pelirocco
    The poster was worried about how they were going to pay what seemed to them a large amount compared to their SOA. My intention was to relive this worry by pointing out with the right help on the SOA they posted it is doable.

    They may well be able to get that amount down but in the worse case if they don't there is help and advise available to make sure they cope if they need to.
    • iammumtoone
    • By iammumtoone 10th Nov 17, 8:58 PM
    • 5,232 Posts
    • 10,854 Thanks
    iammumtoone
    I have received email from OR assistance with breakdowns he made.
    For groceries he put £337 and clothing/footwear/hairdressing £80.
    At least I do know now.
    but I have compare numbers and bettwen my amount and hes amount is difference.
    there is not £387 but £358.
    how this is possible?
    soo finally, it is worth to not sign and a bit negotiate?
    Originally posted by Singlemumm
    Did they explain if the £337 for groceries included work and school spends? that might be where the difference is

    Regarding negotiating it is always worth a try whatever you are negotiating for if they say no then you can still agree but if you don't ask you don't get.
    Last edited by iammumtoone; 10-11-2017 at 9:01 PM.
    • Singlemumm
    • By Singlemumm 11th Nov 17, 6:20 AM
    • 23 Posts
    • 1 Thanks
    Singlemumm
    There is what he send to me:
    Rent 373
    tv/internet/tv 59
    gas/electricity 60
    water 18
    council tax 56
    insurance( i think is optician)16.67
    tv licence 24
    transport and travel 120
    childcare and maintenance 146.67
    all these amounts he did not change in my SOA
    clothes/footwear/haidressing 80
    food and toiletries 337
    • Singlemumm
    • By Singlemumm 11th Nov 17, 6:21 AM
    • 23 Posts
    • 1 Thanks
    Singlemumm
    He said groceries reduced from 110 to 55 ,clothing from 30 to 10,and toiletries from 12 to 6
    • Singlemumm
    • By Singlemumm 16th Nov 17, 10:42 AM
    • 23 Posts
    • 1 Thanks
    Singlemumm
    Thank you all.my IPA has been reduced from £387 to £220
    • debt doctor
    • By debt doctor 17th Nov 17, 7:52 PM
    • 4,161 Posts
    • 5,827 Thanks
    debt doctor
    Good, I'm pleased for you.


    Well done.
    DD
    Debt Doctor, Debt caseworker, Citizens' Advice Bureau .
    Impartial debt advice services: Citizens Advice Bureau Find your local CAB *** National Debtline - Tel: 0808 808 4000*** BSC No. 100 ***
    • ess0two
    • By ess0two 17th Nov 17, 8:37 PM
    • 2,907 Posts
    • 3,804 Thanks
    ess0two
    Nothing like cutting your cloth to suit
    Official MR B fan club,dont go............................
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

1,804Posts Today

6,675Users online

Martin's Twitter