First Time post on here - felt sick and a loser

plumduff-2

By the way, do you mean £1200 not £12?

ha ha - yes I do, ive changed it now... thought no one had noticed... will have to get up earlier to get things past you scoot....

barnaby-bear

plumduff-2 wrote:

Ah well I stand corrected, I only looked at the first figures... didnt see them there... well as you say, one needs to cut his cloth accordingly....

But OP has stated repeated that this is an unacceptable course of action for him and his family. This thread and its previous incarnations have gone over same ground. There are lots of people for whom your advise would be useful and informative but I don't think it's applicable to this poster.

plumduff-2

scootw1 wrote:

I'm puttin 240 for food, tolietries and clothes altogether. Reasonable? Too high, too low?

Well debt advisers generally feel that the trigger figures are very stingy - me included, the benefit is that creditors should accept an I&E based on them... however, there are ways round it £215 pm for food, and add £50 in the 'other expenditure' box - another figure they should not quibble with...

The Guidelines for 'other expenditure' is
Couple no kids £68
couple with kids £97
single person £50
single parent £70

so you could seperate it the £240 into both of these and if they ask what the other exp is - yoiu can argue back that they are in the BBA/MAT guidelines and as such be accepted without quibbling...

plumduff-2

barnaby-bear wrote:

But OP has stated repeated that this is an unacceptable course of action for him and his family. This thread and its previous incarnations have gone over same ground. There are lots of people for whom your advise would be useful and informative but I don't think it's applicable to this poster.

but its sometimes more interesting to convert the sinners... (so to speak)...

I often meet people like Fred... and when the LBM comes, it is sooooo satisfying...

:-)

scootw1

plumduff-2 wrote:

Well debt advisers generally feel that the trigger figures are very stingy - me included, the benefit is that creditors should accept an I&E based on them... however, there are ways round it £215 pm for food, and add £50 in the 'other expenditure' box - another figure they should not quibble with...

The Guidelines for 'other expenditure' is
Couple no kids £68
couple with kids £97
single person £50
single parent £70

so you could seperate it the £240 into both of these and if they ask what the other exp is - yoiu can argue back that they are in the BBA/MAT guidelines and as such be accepted without quibbling...

So as not to disturb the flow of this thread I've started another one. plumduff, can you have a look and make a ocmment please if you would

Thanks

barnaby-bear

plumduff-2 wrote:

but its sometimes more interesting to convert the sinners... (so to speak)...

I often meet people like Fred... and when the LBM comes, it is sooooo satisfying...

:-)

hmmm and with enough monkeys and time you can write Shakespeare....
:rolleyes:

I don't think you'll convince him to cut expenditure below income (leave debts aside) but feel free to try although lots of people keep going over same ground and suggestions then they get frustrated and cross with him and then some new people do the same. It's boring - I just felt I should point out he's replied with negatives to lots of today's suggestions to stop a few people wasting time.

plumduff-2

hmmm and with enough monkeys and time you can write Shakespeare....

I nearly spat my tea out all over the desk...!

mrslawrence2003

scootw1 wrote:

Okay, I mentioned tough choices above and I'm afraid that the Sky is one of those tough things. The kids will have to put up with the channels. Many families in Britain simply cannot afford Sky so have to put up with the free channels. This is not meant to sound harsh and I hope the OP takes this the way it's meant, as a help.

maybe - but as he has said before, sky is his only reason to live as he doesnt go out or do anything else, and his kids would be too upset if they didnt have the range of channels so it is simply not an option to change. end of.

Bogof_Babe

mrslawrence2003 wrote:

maybe - but as he has said before, sky is his only reason to live as he doesnt go out or do anything else, and his kids would be too upset if they didnt have the range of channels so it is simply not an option to change. end of.

Well in that case he has to make other economies. It's just so simple I cannot see why this discussion is dragging on and on and on.

I would actually love to drive around in a Jaguar, but because finances dictate, I have to settle for my 15-year-old Metro.

Life is all about choices. No-one can have everything.

scootw1

mrslawrence2003 wrote:

maybe - but as he has said before, sky is his only reason to live as he doesnt go out or do anything else, and his kids would be too upset if they didnt have the range of channels so it is simply not an option to change. end of.

That's ridiculous. There are plenty more reasons to live than that.
As I've said, the kids will HAVE to accept it or the OP will never start to cut down.