Big Day Tomorrow

Holes_in_my_pocket

Be Interesting to see what a OR considers reasonable expenditure... HIMP ie clothing, phone bills would they consider money to see my kids as i am divorced etc

jules23958

all the best for tomorrow ... still waiting for my initial phone call or letter.

Holes_in_my_pocket

be interested in seeing what is on expenditure sheet with regards to a IPA

Thanks Paul

lucylocket39

When i had the OR phone call yesterday, he told me that i couldn't include sky on my SOA. The Guy at the CAB told me to put it on. Hence to say i felt a bit of a divvy! Yet the OR asked me about holidays and allowed me £1000. In fact there were a few things on the form what the CAB put down that were declined by the OR. So seems like the CAB aren't always right either! So just be wary all you guys getting forms filled by them!

rog2

lucylocket39 wrote: »

When i had the OR phone call yesterday, he told me that i couldn't include sky on my SOA. The Guy at the CAB told me to put it on. Hence to say i felt a bit of a divvy! Yet the OR asked me about holidays and allowed me £1000. In fact there were a few things on the form what the CAB put down that were declined by the OR. So seems like the CAB aren't always right either! So just be wary all you guys getting forms filled by them!

Since there is so much inconsistency in what CAB, and individual OR's,seem to accept as allowable expenditure, I would work on the assumption that it is easier to take something off of your I&E form, than to add something at your interview, I would put down EVERYTHING.

Richard_S

rog2 wrote: »

Since there is so much inconsistency in what CAB, and individual OR's,seem to accept as allowable expenditure, I would work on the assumption that it is easier to take something off of your I&E form, than to add something at your interview, I would put down EVERYTHING.

That's my approach too, anything you can think of even if it leaves you with a deficit; you can argue that you're aware of the situation and doing everything you can to balance your budget.

The list below is for ideas only, some of them are obviously not going to be accepted but it should help to ensure you don't miss anything.

Rich


Home
Bank Charges
Bank Interest
Mortgage (1)
Mortgage (2)
Household Maintenance
Buildings Insurance
Contents Insurance
Council Tax
Water Rates
Gas Bill
Electricity Bill
Home Phone Bill
Internet Bill
Mobile Phone Bill(s)
Cleaner
Garden Maintenance
Window Cleaner
Computer & I.T Costs

Insurance
Mortgage Payment Insurance
Mortgage Term Assurance
Level Term Assurance
Private Medical Insurance
Pet Insurance
Travel Insurance
Gas & Plumbing Cover
Other Insurance

Food & Drink
Food & Household Shopping
Eating Out
Coffee / Sandwiches Out
Pet Food
Drinks for Home
Drinking Out
Smokes
Meals at Work
Other Eats, Drinks & Smokes

Transport & Travel
AA Membership
Rail / Bus / Coach / Taxi
Car 1 Maintainance
Car 2 Maintenance
Car 1 Insurance
Car 2 Insurance
Car 1 Tax
Car 2 Tax
Parking
Car 1 Petrol
Car 2 Petrol
Other Transport

Family
Driving Lessons
Laundry / Dry Cleaning
Pocket Money
School Meals
School Trips
Other Family

Fun & Frolics
DVD / Video Rental
Hobbies
Pet Costs
Fitness / Sports / Gym
Big Days Out
Book / Music / Films / Games
Cinema / Theatre Trips
Family Days Out
TV Licence
Other Fun

Big One Offs
Cost of Christmas
Cost of Winter Holiday
Cost of Summer Holiday
Cost of Birthdays
Cost of Sofa / Kitchen / TV
Other Big One Offs

Clothes
New Clothes
New Children's Clothes
Work Clothes
Other Clothes

Education
Your Courses
School Fees
University Tuition Fees
Other Education Costs

Sundry
Beauty Treatments
Newspapers / Magazines
Dentistry
Haircuts
Optical Bills
Lottery
Other Odds & Sods

gettingitsorted

Richard_S wrote: »

That's my approach too, anything you can think of even if it leaves you with a deficit; you can argue that you're aware of the situation and doing everything you can to balance your budget.

The list below is for ideas only, some of them are obviously not going to be accepted but it should help to ensure you don't miss anything.

Rich



Home
Bank Charges
Bank Interest
Mortgage (1)
Mortgage (2)
Household Maintenance
Buildings Insurance
Contents Insurance
Council Tax
Water Rates
Gas Bill
Electricity Bill
Home Phone Bill
Internet Bill
Mobile Phone Bill(s)
Cleaner
Garden Maintenance
Window Cleaner
Computer & I.T Costs

Insurance
Mortgage Payment Insurance
Mortgage Term Assurance
Level Term Assurance
Private Medical Insurance
Pet Insurance
Travel Insurance
Gas & Plumbing Cover
Other Insurance

Food & Drink
Food & Household Shopping
Eating Out
Coffee / Sandwiches Out
Pet Food
Drinks for Home
Drinking Out
Smokes
Meals at Work
Other Eats, Drinks & Smokes

Transport & Travel
AA Membership
Rail / Bus / Coach / Taxi
Car 1 Maintainance
Car 2 Maintenance
Car 1 Insurance
Car 2 Insurance
Car 1 Tax
Car 2 Tax
Parking
Car 1 Petrol
Car 2 Petrol
Other Transport

Family
Driving Lessons
Laundry / Dry Cleaning
Pocket Money
School Meals
School Trips
Other Family

Fun & Frolics
DVD / Video Rental
Hobbies
Pet Costs
Fitness / Sports / Gym
Big Days Out
Book / Music / Films / Games
Cinema / Theatre Trips
Family Days Out
TV Licence
Other Fun

Big One Offs
Cost of Christmas
Cost of Winter Holiday
Cost of Summer Holiday
Cost of Birthdays
Cost of Sofa / Kitchen / TV
Other Big One Offs

Clothes
New Clothes
New Children's Clothes
Work Clothes
Other Clothes

Education
Your Courses
School Fees
University Tuition Fees
Other Education Costs

Sundry
Beauty Treatments
Newspapers / Magazines
Dentistry
Haircuts
Optical Bills
Lottery
Other Odds & Sods

Rich mine was no where near that detailed ,me thinks i may have shot myself in the foot :eek:

Richard_S

gettingitsorted wrote: »

Rich mine was no where near that detailed ,me thinks i may have shot myself in the foot :eek:

Hi gis,

I shouldn't think you have at all, there are limits to what you can include but any little extras that can be added will all help to reduce the chances of getting an IPA. You can always submit a revised budget to the O.R if you think you've forgotten something and claim that because of your strict budgetting regime you realised some expenses had been missed.

I really am starting to bore myself; I've spent too long in finance and accountancy, I need to get back into business again :think:

Rich

savagevixen

What about bondage/sex aids?
Pornographic material?
Paying for sex?
I included all of these and the OR said it was fine.

gettingitsorted

Richard_S wrote: »

Hi gis,

I shouldn't think you have at all, there are limits to what you can include but any little extras that can be added will all help to reduce the chances of getting an IPA. You can always submit a revised budget to the O.R if you think you've forgotten something and claim that because of your strict budgetting regime you realised some expenses had been missed.

I really am starting to bore myself; I've spent too long in finance and accountancy, I need to get back into business again :think:

Rich

Am getting a stress on now over the fact that when and if i haft to send a new I/E form into the OR its going to be nothing like the last two in any way .