My cccs expenditure proir to BR.

fiveyearplan

How much do you owe your dad?

betterlatethannever

topdraw wrote: »

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

Building and contents ins £35
Telephone/mobile/net £60 this maybe a little high. You'll only be allowed to inc net if you 'need' it.e.g for work/college
TV £12
Boiler contract £25ditto what fiveyearplan said, not allowed

Vehicle finance £100 will you be able to keep the car after BR? maybe start a new thread about this
Spares and service £30
Road tax £32
Insurance £80 :eek: are you 18 an driving a posrche? £1000 per year is extortionate
RAC £11
Fuel £130
High tax and service costs, are you driving a high emisson/sport/large car?
Food/toiletry/cleaning £260 as FYP and Fermi advice
Meals for work £22 ditto
Pet food / insurance(one medium dog) £40 too high, maybe half that
Tobacco £43def not allowed
Clothing and footwear £40 might be able to up this a little, maybe another £20
Hair dressing £27 prehaps too high, but leave it and let the OR knock it down if they must
Medicine prescription £15
Dentist £14
Sports/hobbies £30nope
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.

Do you pay for opticians.? have any dry cleaning costs? thats all i can think of at the mo.

topdraw

The Balance on the card is about £8000, he got me a rate of 5.5 as apposse to 15%, this was done well before loosing work and going to the cccs.
Wish i had never of bothered now.

fiveyearplan

Hindsight is a great thing. Yes, it would have been included in your BR. I hope the 5.5% is for the lifetime of the debt.

First things first, sort out your I&E so you end up paying as little back as possible through your IPA - if you get one.

Then something on here (I forgot what its called but I'm sure its in the DFW board) that tells you how long it will take to pay back that £8,000 if you pay a bit or a lot extra per month. It will also end up saving you a lot of money in interest.

Good luck - you'll manage. Just think of all that other debt you've managed to get rid of!

topdraw

Yeh guys ref the tax etc, this is for myself and my partner. I drive a van and my GF drives a rover.

The OR is happy for me to keep the van as long as the finance company is, its in both our names.
The expenditure is for two of us...a couple.

betterlatethannever

arhh that explains it, didn't realise it was for two vehicles.

Edit: sorry i haven't followed your threads, are you both going BR?

topdraw

No just me, but we are engaged and live together, so were just like a married couple. (feels like it ha).
She has paid the mortgage from day from etc.

peachyprice

You haven't both gone bankrupt so you cannot include her car expenses in your I&E if it's just your vehicle expenses.

betterlatethannever

arhh that may make a difference to your soa then.

I can't remember how it works exactly, but i know others do.
Its something like you only put down your partners contribution and not there full wages. This maybe a good thing for you.

peachyprice

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 Duplicate
Gas £45
Electric £45

Building and contents ins £35
Telephone/mobile/net £60 Split into land line & mobile
TV £12
Boiler contract £25 as above GF will have to pay this

Vehicle finance £100 All vehicle expenses must be yours only, not GF's
Spares and service £30
Road tax £32
Insurance £80
RAC £11
Fuel £130

Food/toiletry/cleaning £260 Up to £300 ish
Meals for work £22 include in housekeeping
Pet food / insurance(one medium dog) £40 Usually £15 allowed for insurance, food is included in housekeeping
Tobacco £43 Not allowed
Clothing and footwear £40
Hair dressing £27 £10
Medicine prescription £15
Dentist £14
Sports/hobbies £30 Not allowed
Sundries/emergency £15
Loan to Family (money owed) Credit Card transfer £200 (listed as an associated creditor on DMP/IVA As already mentioned, not allowed

This leaves after the two incomes £236 pm You only need to put your GF's contribution, not her whole income, so 50% of household bills only

Thanks guys.

Some comment I've made have already been mentioned above, think I've added a few more