3rd time lucky

kjsxpm

ok this is the 3rd time i tried this each time message gets wiped.
is there a formula used to work out acceptable expenditure have been robbing peter to pay paul for such a long time i dont know what what anymore.
i am married, have 6 kids (i severly disabled and costs the bulk of income in electric gas food and petrol) we rent our home and my husband works while i am main carer.

Flowerpot_2

kjsxpm wrote: »

ok this is the 3rd time i tried this each time message gets wiped.
is there a formula used to work out acceptable expenditure have been robbing peter to pay paul for such a long time i dont know what what anymore.
i am married, have 6 kids (i severly disabled and costs the bulk of income in electric gas food and petrol) we rent our home and my husband works while i am main carer.

Do you mean the Statement of Affairs calculator KJ? if so this is the link
http:// https://www.makesenseofcards.com/soacalc.html
Fill in your income & expenditure & post it back up here for the experts to help & advise you
Fp x

kjsxpm

thanx for that, sorry i should have explained what i meant, i have been in dm and then iva for 4yrs approx and recently ip terminated so am now getting letters and phone calls to pay up £30g or else so i think bankrupcy is my only option but because i have had to borrow money (relatives and provi) and am costantly juggling to pay essentials i cant figure out what actual expences are. i know its my own stupid and iv been very naive but i dont/cant afford to go bankrupt if i cant even figure out a possible I&E as i always have less money in than i do going out.

maxmycardagain

six kids?

no telly then?

kjsxpm

nothing ever on tv worth watching

Flowerpot_2

kjsxpm wrote: »

thanx for that, sorry i should have explained what i meant, i have been in dm and then iva for 4yrs approx and recently ip terminated so am now getting letters and phone calls to pay up £30g or else so i think bankrupcy is my only option but because i have had to borrow money (relatives and provi) and am costantly juggling to pay essentials i cant figure out what actual expences are. i know its my own stupid and iv been very naive but i dont/cant afford to go bankrupt if i cant even figure out a possible I&E as i always have less money in than i do going out.

Have you spoken to CCCS or National Debtline yet KJ? I used CCCS but many peeps on here say how good ND are, I would phone them first thing Monday morning
Have a look at other SOA threads on here for a basic guideline - then have a go at filling yours in - I found it easier once it was down in black & white (however horrifying it looks!) once you've posted it up on here the others will be able to help you. If you're claiming benefits you won't have to pay the full 510 for your BR either
FP x