Advice needed re expenditure - possibility of BR

gettingready

Thanks - I have absolutely no way of getting the dog care any cheaper. Prices for an hour dg walk around where I live are 12-15 per hour... I am getting half a day for less than that...

Re the rest, this is exactly what I plan to do, go without myself but keep the pets.

Thanks a lot.

gettingready

Thank you but really that is not why I started the topic here - can we really leave the pets out of it as we are not getting anywhere when eceryone is fixated on my pets? Thanks a lot.

I did not include content insurace as I do not have one. I really am not a big spender, my outgoings (apart from pets) are very low, debts are something completely else and do not want to go into reasons for those on here.

I really just need to work out a SOA that will be accepted by OR and lets me put a few things on that I really do not desperately need and would be able to use those amounts towards the things I do need..

Thanks a lot

alastairq

like...house contents insurance?

gettingready

Ah... thanks.... don't they check that by bank statemets etc though?

Thanks a lot...

philnicandamy

they take most on trust..BUT if figures seem high or over inflated they WILL ask for proof

greytdog_2

they ask for copies of your statements for last 12 months - you could argue that you did not have insurance then but now realise that it is a false economy

gettingready

This is where I look for advice re pets - really want THIS thread to deal with all other things, thanks a lot.

philnicandamy

Not always...they can ask for statements as far back as they want to BUT agree that once your bankrupt it's more difficult to replace larger goods that break etc hence why you now need insurance to cover them

philnicandamy

gettingready wrote: »

This is where I look for advice re pets - really want THIS thread to deal with all other things, thanks a lot.

I understand your annoyed about this...BUT leaving the pets out or not its still going to have an impact on your SOA etc...sure you can shave things here and there use cash you had allocated for other things but at the end of the day pets or not you'll struggle to keep the life you had beffore getting to this stage

greytdog_2

i think the problem is that people cannot leave pets out of the equation as they are really your biggest expense and so relevant to your situation. Sorry