My cccs expenditure proir to BR.

topdraw

If you can have a look at this for us guys prior to my interview, this was compiled with the cccs for poss dmp. This is for the two of us as a couple.

Mortgage £850
Water £30
Council tax £130
Water £30
Gas £45
Electric £45

Building and contents ins £35
Telephone/mobile/net £60
TV £12
Boiler contract £25

Vehicle finance £100
Spares and service £30
Road tax £32
Insurance £80
RAC £11
Fuel £130

Food/toiletry/cleaning £260
Meals for work £22
Pet food / insurance(one medium dog) £40
Tobacco £43
Clothing and footwear £40
Hair dressing £27
Medicine prescription £15
Dentist £14
Sports/hobbies £30
Sundries/emergency £15
Loan to Family (money owed) Credit Card transfer £200 (listed as an associated creditor on DMP/IVA

This leaves after the two incomes £236 pm

Thanks guys.

fiveyearplan

topdraw wrote: »

If you can have a look at this for us guys prior to my interview, this was compiled with the cccs for poss dmp. This is for the two of us as a couple.

Mortgage £850
Water £30
Council tax £130
Water £30
Gas £45
Electric £45

Building and contents ins £35
Telephone/mobile/net £60
TV £12
Boiler contract £25 not sure you can have this

Vehicle finance £100 Is this needed for work?
Spares and service £30 Again, not sure
Road tax £32
Insurance £80 looks expensive
RAC £11
Fuel £130

Food/toiletry/cleaning £260
Meals for work £22 I think this goes in with housekeeping above
Pet food / insurance(one medium dog) £40
Tobacco £43 don't think this is allowed
Clothing and footwear £40
Hair dressing £27
Medicine prescription £15
Dentist £14
Sports/hobbies £30 We're not allowed hobbies or fun!
Sundries/emergency £15 Don't think most ORs allow this
Loan to Family £200 Definitely not.

This leaves after the two incomes £236 pm

Thanks guys.

Welcome, I've made a few notes above but I'm not really an expert where I&E's are concerned but if nothing else this will bump your post up.

fermi

I'm not too good on budgets, but you can add at least another £100 per month on the Food/toiletry/cleaning if that is meant to cover both of you.

topdraw

The loan to family is money i owe my dad, he transfered a balance for me, i have the statements showing the transfer etc, he used his card to get me a lower rate.
Thanks 5y

betterlatethannever

topdraw wrote: »

The loan to family is money i owe my dad, he transfered a balance for me, i have the statements showing the transfer etc, he used his card to get me a lower rate.
Thanks 5y

I'm afraid that doesn't matter. Your favouring a creditor by paying him and the debt should be included in your BR.
*should* you decide to pay him back, almost certainly at a reduced rate, with your spare income then thats upto you.;)

fiveyearplan

I'm sorry to say, if he transferred a loan for you and its now in his name, it is his debt and you owe him now not the cc company. He is now one of your creditors and as such you can not pay him. Saying that however, that will have to come out of anything you have left over.

You don't say what your combined income is. Does any of that include overtime? It would be good to get your surplus under £99 if possible or you will have to pay a proportion of it in an IPA.

topdraw

I will have to pay him back hes dad. It will have to come out my spare income. Happy days....not!

fiveyearplan

I agree with you TD. I owe my dad money but haven't been able to start paying him back because I can't even pay my current bills at the moment!

topdraw

Combined income is flat, we dont get overtime anymore.
£2473

topdraw

My dad has no way of paying the bebt back himself, i would not dream of it any way, i would live on the streets rather have my dad pay a penny or get in any kind of mess. I will sort it some how.

fiveyearplan

You could try changing 'sundries' to personal expenses. I think some ORs allow that.