Soa

ljs2000

My oh went bankrupt in October last year and received another expenditure form to be completed. After finding out we had made a complete mess of this (we only put my oh's share of the bills down) we have received another form to fill out.

I wondered if you could just run your eyes over this and let me know what you think.

This is for two adults, one child, one cat and six fish per month!

Mort £1270.00
Sec Loan £350.00
Council Tax £171.00
Life ins £37.10
Childcare £480.00
BT £16.00
TV Lic £11.32
Gas/Elec £231.00 (should have added this is with arrears all in my name, not OH, but they still need to be paid!)
Water £33.60
Buildings/contents ins £25.40
Mobile £25.00
Food/sundries £450.00
Clothing £130.00
Mod holiday £60.00
Hair £23.00
Pets £20.00
Dentist £20.00
Trips/outings £20.00
toys/books/pocket money £10.00
Christmas £30.00
House repairs £20.00

Total Outgoing - £3413.42
OH income - £1844.78
My income - £1600.00 (i do earn more than that but I pay for my car).

Any comments/advice would be appreciated.

Many thanks.

ClaireLR

Gas and electric look a little high to me, and I think you could add a little more for a holiday since there are 3 of you

HTH

dalip

ljs2000 wrote: »

My oh went bankrupt in October last year and received another expenditure form to be completed. After finding out we had made a complete mess of this (we only put my oh's share of the bills down) we have received another form to fill out.

I wondered if you could just run your eyes over this and let me know what you think.

This is for two adults, one child, one cat and six fish per month!

Mort £1270.00
Sec Loan £350.00
Council Tax £171.00thats very high,is it yearly amount divided by 12?
Life ins £37.10
Childcare £480.00
BT £16.00you could increase this to about £30
TV Lic £11.32
Gas/Elec £231.00 (should have added this is with arrears all in my name, not OH, but they still need to be paid!)if arrears in your name then you are expected to pay them so put down actual amounts,arrears will come fro you
Water £33.60
Buildings/contents ins £25.40
Mobile £25.00
Food/sundries £450.00
Clothing £130.00This may be cut back a little
Mod holiday £60.00
Hair £23.00
Pets £20.00
Dentist £20.00 what about perscriptions,opticians?
Trips/outings £20.00
toys/books/pocket money £10.00
Christmas £30.00
House repairs £20.00
Nothing down for travel costs,dry cleaning?
Total Outgoing - £3413.42
OH income - £1844.78
My income - £1600.00 (i do earn more than that but I pay for my car).Half all household bills and put your contribution not your wage as half

Any comments/advice would be appreciated.

Many thanks.

I am by no mean an expert so see i others agree. It's a minefield really and nobody knows what one OR allows to the nxt,you just have to hope for the best.D

ljs2000

dalip wrote: »

I am by no mean an expert so see i others agree. It's a minefield really and nobody knows what one OR allows to the nxt,you just have to hope for the best.D

Thank you for your reply

The council tax is split over 12 months! :rolleyes:

Purplekylie22

Do you use any kind of Busy Bees vouchers for childcare? If you arent aware of them then you / your other half should ask your employers if they do childcare voucher schemes. It may work out worth while you pay for childcare vouchers out of your Net pay so that you dont pay tax / NI on that amount, can save £30 a month or so that way. If you are already aware - just ignore me!

Imnot sure about your chirstmas allowence - whether that would be allowed or not, although Im sure someone more knowledgeable will come along soon!

ljs2000

Purplekylie22 wrote: »

Do you use any kind of Busy Bees vouchers for childcare? If you arent aware of them then you / your other half should ask your employers if they do childcare voucher schemes. It may work out worth while you pay for childcare vouchers out of your Net pay so that you dont pay tax / NI on that amount, can save £30 a month or so that way. If you are already aware - just ignore me!

Imnot sure about your chirstmas allowence - whether that would be allowed or not, although Im sure someone more knowledgeable will come along soon!

Yes we already claim for childcare vouchers, childcare is quite expensive around here!

I thought I would give it a try for the christmas contribution.

Purplekylie22

you should defo try yes - the worst that can hapen is they say no! Im in Aberdeen, both my kids go to ful time child care and I am £125 each a week - its expensive every where! I was adviside I could claim up to £500 on food e.t.c for me and my two children, not sure if you would like to increase yours or leave as is. It was a finacial advisor that told me that and I havent had it checked by an OR or anyone yet as mine hasnt been processed as yet (its a bit different up here) :-)

dalip

ljs2000 wrote: »

Thank you for your reply

The council tax is split over 12 months! :rolleyes:

Forgive me for stating the obvious but a lot of posters on here do just put it down as they pay it. Yours is very high .D

peachyprice

ljs2000 wrote: »

My oh went bankrupt in October last year and received another expenditure form to be completed. After finding out we had made a complete mess of this (we only put my oh's share of the bills down) we have received another form to fill out.

I wondered if you could just run your eyes over this and let me know what you think.

This is for two adults, one child, one cat and six fish per month!

Mort £1270.00
Sec Loan £350.00
Council Tax £171.00
Life ins £37.10
Childcare £480.00
BT £16.00
TV Lic £11.32
Gas/Elec £231.00 (should have added this is with arrears all in my name, not OH, but they still need to be paid!) The arrears should come out of your money, so you need to put actual usage, and reduce your household contribution by the amount you pay for these arrears. Your OH cannot be seen to be favouring a creditor
Water £33.60
Buildings/contents ins £25.40
Mobile £25.00
Food/sundries £450.00
Clothing £130.00
Mod holiday £60.00
Hair £23.00
Pets £20.00 Usually £15 allowed for insurance, food come out of housekeeping
Dentist £20.00
Trips/outings £20.00 Probably won't be allowed
toys/books/pocket money £10.00 Ditto
Christmas £30.00 Ditto
House repairs £20.00 Ditto

Total Outgoing - £3413.42
OH income - £1844.78
My income - £1600.00 (i do earn more than that but I pay for my car). Does this include child benefit?

Any comments/advice would be appreciated.

Many thanks.

Hope this help some

ljs2000

Thanks for all your replies.

The gas and electricity is £231 a month because the last quarter came in at £800! No idea why, I am currently in discussion with the them to try and sort it out, there has to be a mistake but in the meantime we have to pay that amount a month.

I thought that would be the case with trips, christmas etc but I thought I would include it just in case! In real terms though, we all have christmas, house repairs and stuff to pay for so it makes you wonder how you are supposed to pay for them. Oh well, thanks for replying, I'll send it in and see what they say.

My child benefit is not included, do I need to include it? We didnt include it the first time around.

Thanks.

dalip

Yes include it but they discount it. I know it makes no sense but thats the way it has to be.D