Disposable income / IPA Joint?

beentheredonethatstilhere

w-inthepoo wrote: »

I know that they arent supposed to included CB in their IPA calculation, but can anyone answer this from their experience.

Is it a case of taking the CB straight of the total figure in the SOA / I&E or would the OR look to reduce your outgoings in other areas to as to account for the CB and "create" a surplus from which to base an IPA.

If you see what I mean................

As long as your outgoings are resonable the OR will not try to reduce anything.

If you pop up your SOA then the good folks on here will check it over for you.

http://www.makesenseofcards.co.uk/soacalc.html

tillboy

beentheredonethatstilhere wrote: »

They will look at each SOA form seperatly. So if your OH has no/low income she will not get an IPA. If you have a good income they will look at your surplus and calculate your IPA from the full amout, not minus £99 ie: if you had £98 surplus then no IPA but if you have £101 surplus then you pay a £50 IPA.

There is an IPA table around here somewhere, I am sure someone will post it up soon.

My wife doesn't have an IPA form only me, OR has already established she is not earning.

Don't worry I've got the table (could probably recite it I've referred to it that many times )

What I'm trying (badly) to establish, if she has no IPA that any income she has, albeit around 40 quid a month, is she forced to contribute it to the "pot" or could she for example pay the full amount into our son's child trust fund.

Obviously this then falls below £99 and would wipe it out from the household income in terms of my IPA

Merry_Gentry

As your wife has no IPA, what she does with her money is entirely up to her.

tillboy

Merry_Gentry wrote: »

As your wife has no IPA, what she does with her money is entirely up to her.

That what I wanted to hear, so as the main carer for our son she gets paid Child Tax Credit and if she chooses to blow it on the horses (for example) there is nothing to say she has to contribute it?

beentheredonethatstilhere

She has to be shown on your form to be contributing some to the joint household bills from her benefit. Not the the full benefit though.

tillboy

beentheredonethatstilhere wrote: »

She has to be shown on your form to be contributing some to the joint household bills from her benefit. Not the the full benefit though.

Does she? (not doubting what you're saying) it's £40 a month, she could potentially use that doing the grocery shopping on public transport.

Any reference to her having to make a contribution that I can refer to? TIA

Merry_Gentry

There is a section on the form for your wife's contribution to the household. Generally on an SOA you put the full amount of household expenditure, then the contribution from the other party. However, if you pay for everything that is what you put down.

tillboy

Merry_Gentry wrote: »

There is a section on the form for your wife's contribution to the household. Generally on an SOA you put the full amount of household expenditure, then the contribution from the other party. However, if you pay for everything that is what you put down.

Thanks, so is she obliged to contribute anything?

Lost2

Hi tillboy, there is a sticky on here about IPA/DRO
This is the link hope it helps



http://forums.moneysavingexpert.com/showthread.html?t=1385275

Merry_Gentry

It depends on your outgoings. So if you earn £1000 and your outgoings are £1100 then your wife would need to contribute at least £100, otherwise you would be in deficit :eek: I haven't seen your SOA so it's a bit difficult to comment more than that.