SOA - comments pls

lisa.89

HappyMJ wrote: »

In my opinion only...I'd say swimming is a life skill and is a required expense. Put it under "Other child related expenses". I'd also add a few pounds under "Car parking". I'd lump all the satellite, internet and landline costs all under landline and put £60 a month to cover the cost of a package deal and a few out of package calls.

Thanks for this - Parking - do you mean when out and about - they allow this? We prob spend around £5 pm on parking as go to the cheapest ones!

If I lump sat tv etc in one - where will I put mobile phones??

The outgoings page doesn't give much room on BR form does it

HappyMJ

lisa.89 wrote: »

Thanks for this - Parking - do you mean when out and about - they allow this? We prob spend around £5 pm on parking as go to the cheapest ones!

If I lump sat tv etc in one - where will I put mobile phones??

The outgoings page doesn't give much room on BR form does it

Yes parking is fine and that's only about a pound a week.

I would add the mobiles on to the phone bit.

You don't want to under estimate anything. Does £6 a month cover both of to visit the dentist every 6 months? It's only £18 a visit.

lisa.89

HappyMJ wrote: »

Yes parking is fine and that's only about a pound a week.

I would add the mobiles on to the phone bit.

You don't want to under estimate anything. Does £6 a month cover both of to visit the dentist every 6 months? It's only £18 a visit.

I may up parking a little..

I am pregnant so have exemption till 2014 for dentist etc.. thsi will just be for husband - is £6 ok as i wanted to allow for treatment such as fillings if needed..

HappyMJ

lisa.89 wrote: »

I may up parking a little..

I am pregnant so have exemption till 2014 for dentist etc.. thsi will just be for husband - is £6 ok as i wanted to allow for treatment such as fillings if needed..

You could always take out insurance to cover those costs and include the cost of the policy on your soa.

lisa.89

HappyMJ wrote: »

You could always take out insurance to cover those costs and include the cost of the policy on your soa.

Thanks - never thought of that will check it out : )

kepar

HappyMJ wrote: »

You wont get an ipa but your partner might if your partner is also going br

And the reason the OP will not get an IPA?

Technically the OP brings in 25% of the household income, therefore if all the bills are shared then the OP's proportion of the spare would be £25 . Which could cause an IPA.

I doubt very much that the OP would get an IPA , but to put you will not get one is not fair on the OP.

lisa.89

kepar wrote: »

And the reason the OP will not get an IPA?

Technically the OP brings in 25% of the household income, therefore if all the bills are shared then the OP's proportion of the spare would be £25 . Which could cause an IPA.

I doubt very much that the OP would get an IPA , but to put you will not get one is not fair on the OP.

thanks - will prepare myself to get an ipa.. as i know you nver know..

can i ask, if we are made br on 1 feb.. how soon do they confirm if we are each to get an ipa?? I am going on mat leave from end of April... so income/outgoings will change.

Just called BG and they have said we are short in payments.. have to increase by £35...

HappyMJ

kepar wrote: »

And the reason the OP will not get an IPA?

Technically the OP brings in 25% of the household income, therefore if all the bills are shared then the OP's proportion of the spare would be £25 . Which could cause an IPA.

I doubt very much that the OP would get an IPA , but to put you will not get one is not fair on the OP.

You can say that each person is responsible for 50% of the household expenses no matter what each persons income is. If you aren't a part of the BR you do not have to declare your income...it will be assumed it is equal to the person that is going BR...if the partner with the higher income was not going BR then the other partner could pay half the expenses and spend their remaining income on anything they like...but as they are also going BR that would increase the other partners IPA so overall it makes little difference.

mattannar

HappyMJ wrote: »

You can say that each person is responsible for 50% of the household expenses no matter what each persons income is. If you aren't a part of the BR you do not have to declare your income...it will be assumed it is equal to the person that is going BR...if the partner with the higher income was not going BR then the other partner could pay half the expenses and spend their remaining income on anything they like...but as they are also going BR that would increase the other partners IPA so overall it makes little difference.

Yep we are both going BR as most debts are joint.

They are both going br, so it doesn't have to be split 50/50 by theOR.

lisa.89

mattannar wrote: »

Yep we are both going BR as most debts are joint.

They are both going br, so it doesn't have to be split 50/50 by theOR.

bit confused now...