reasonable expenses single 1child

13

Comments

  • Singlemumm
    Singlemumm Posts: 155 Forumite
    First Anniversary Name Dropper First Post
    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
    philnicandevan Posts: 667 Forumite
    First Anniversary Name Dropper Photogenic Combo Breaker
    Singlemumm wrote: »
    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?

    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..:p
    BSC 58 :D
  • IAmWales
    IAmWales Posts: 2,024 Forumite
    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
    IAmWales Posts: 2,024 Forumite
    Singlemumm wrote: »
    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

    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
    Singlemumm Posts: 155 Forumite
    First Anniversary Name Dropper First Post
    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
    Singlemumm Posts: 155 Forumite
    First Anniversary Name Dropper First Post
    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
    IAmWales Posts: 2,024 Forumite
    Singlemumm wrote: »
    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

    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
    iammumtoone Posts: 6,377 Forumite
    First Anniversary Name Dropper First Post I've been Money Tipped!
    edited 10 November 2017 at 7:58PM
    Singlemumm wrote: »
    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



    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.
  • iammumtoone
    iammumtoone Posts: 6,377 Forumite
    First Anniversary Name Dropper First Post I've been Money Tipped!
    edited 10 November 2017 at 8:42PM
    Singlemumm wrote: »
    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

    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.
  • Singlemumm
    Singlemumm Posts: 155 Forumite
    First Anniversary Name Dropper First Post
    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?
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