Household expenditure questions

mrcurious_2

I have tried looking for this in insolvency site but no joy. Does anyone know for flat mates sharing a joint tenaancy what they allow please. My head is buzzing and not spoke to OR as yet but can't sleep.

southgrange

Good question....i might be getting a flat soon with a mate. I also wondered does the OR need to know the flat mates income??

confused76

flat sharing is treated slightly differently from a couple cohabiting, they wouldn't need to know your flatmates income. i would put down 50% of the bills and your rent. try filling this out if you want someone to take a look at it for you

http://www.makesenseofcards.com/soacalc.html
once completed, click format for mse, copy and paste here

IF

Hi mrcurious, when you went BR on the 10th Feb what did you put for your household costs on the 6.28 form??

mrcurious_2

I put

57 elec and gas
14 water
200 petrol as need to look after a realative £12 round trip 4 tmes a week but i never put about my petrol that i use at home, my realative has no money only pension and is dependant on me.
I also put £175 for food and £186 for health costs dentist,opt,prescription and private prescrption, £7 for barbers and £25 for clothing. Also sky 22.95 phone £24 AND Mobile £30

These are halved as have flat mate

IF

Put up your SOA as Confused76 has said on post 3 and someone will check to put your mind at ease x

mrcurious_2

Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 2
Number of children in household.........
Number of cars owned....................
Monthly Income Details
Monthly income after tax................ 0
Partners monthly income after tax....... 0
Benefits................................ 685
Other income............................ 188.52
Total monthly income.................... 873.52
Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax............................. 0
Electricity............................. 57
Gas..................................... 0
Oil..................................... 0
Water rates............................. 14
Telephone (land line)................... 24
Mobile phone............................ 30
TV Licence.............................. 14
Satellite/Cable TV...................... 22.95
Internet Services....................... 10
Groceries etc. ......................... 178
Clothing................................ 30
Petrol/diesel........................... 200
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 186
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 18
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 10
Haircuts................................ 8
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 15
Total monthly expenses.................. 816.95

Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 0
Other assets............................ 0
Total Assets............................ 0

No Secured nor Hire Purchase Debts
Unsecured Debts
Description....................Debt......Monthly...APR
ccard..........................4000......0.........0
ccard..........................1204......0.........0
ccard..........................3386......0.........0
overdraft......................700.......0.........0
Total unsecured debts..........9290......0.........-

Monthly Budget Summary
Total monthly income.................... 873.52
Expenses (including HP & secured debts). 816.95
Available for debt repayments........... 56.57
Monthly UNsecured debt repayments....... 0
Amount left after debt repayments....... 56.57
Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -0
Total Unsecured debt.................... -9,290
Net Assets.............................. -9,290

tigerfeet2006

I am assuming that you are on DLA and that is why you have high medical costs.

mrcurious_2

Yes tiger i hope i don't have to go into all the embarassing bits of my illness with OR.

tigerfeet2006

As you are on benefits you won't get an IPA anyway so don't worry to much.

mrcurious_2

Tiger even though i get my occupational pension? This board is fantastic and so pleased i have found it.