Partners income

stavros_uk

Good day all

I'm after some advise on the following if people have time to offer it so thank you in advance

I was declared bankcrupt last year. I'm divorced and currently living on my own. My partner I thinking off moving in will me. She is aware I am bankcrupt and pay a IPA. I have informed her that I wil need to declare her contribution to the household. She will only be able to pay £250 towards the household as she is a low earner and gas her own bills to pay. However the idea I have to declare she is living with my makes her very nervous and worried that she may be asked to prove her income and that way may involve her in my bankcrupcy. I'm not sure so hence this post.

I also have my 7 month old child that stays with me 3 days a week. I need to pay nursey fees one day a week so that I can work. Can I include this in my IPA.

Your help would be greatly received

Regards

HappyMJ

She doesn't have to prove anything at all. It's your BR. It'll be assumed she contributes 50% of the shared household bills.

You can include childcare costs in your IPA.

alastairq

Hi..you should also be claiming for the 'running costs' of your child too.....this can be reflected right across the SOA.

As HappyMJ says, with your revised SOA, if you chose [rightly] to not declare your partner's income, the OR will assume a 50/50 split for household expenditures. However...if this split is in fact not the case, then you will have to provide evidence to the OR as to why you yourself contribute more.
This could be, simply, down to the difference in your incomes?

stavros_uk

Running cost? That one is difficult. I keep having to find the money for clothes car seats etc. some off these aren't every month. But they are a fact that I need to buy them. How do I explain this on my income expenditure form. Unless every month I speak with them which seems a bit much. I only claim £200 a month for household food etc. would I be right to increase this. Out of the £200 a month nappies and formula costs me £60. I'm lucky to have a good parents otherwise I would not really eat probably

owlet

It sounds like you have skimped yourself too much on your SOA. You are allowed a reasonable standard of living. Maybe you should pop your current SOA up for us to look at. The costs for your child should definitely be included.

mwarby

Stavros_uk wrote: »

Running cost? That one is difficult. I keep having to find the money for clothes car seats etc. some off these aren't every month. But they are a fact that I need to buy them. How do I explain this on my income expenditure form.

Tell them that you estimate you spend £x per year , and put it down on the monthly budget as x/12

eg you estimate £200 a year = £16.66 per month

alastairq

The running costs of a child or six can be horrendous!

For lurkers especially, if separated/divorced/disemboweled/excommunicated, [delete whichever doesn't fit?].....and there are children for which you have a responsibility..[even if not the primary carer/parent.]....the SOA should reflect the fact they live with you...!

Even one weekend in two is a drain on resources.....feeding, clothing, medical, transportation, etc.
Don't forget also, according to the CSA [the arbitration body], if one parent cannot care for the kids on some occasion, then it is the other parent's responsibility to step in ,with care.
Don't forget the additional 'holiday' allowance, either....even a week's camping has to be accounted for on your SOA.

Also, if passing monies to teh ex-partner for care of the joint kids, regardless of whether it is a formal, or informal arrangement, that, too, must be fully accounted for on the SOA. And...if, by arrangement, it happens to rise, this needs to be a change of financial circumstance which the OR must be made aware of, and they must be compelled to act on.

Hide nothing in these respects.

mwarby

alastairq wrote: »

Don't forget the additional 'holiday' allowance, either....even a week's camping has to be accounted for on your SOA.

Basically if you don't list this on your SOA you went get the allowance(for 3 years if you get IPA), claim all the allowances you can(legitimately of course) while you can

You can save leftover money from other allowances for things like holidays (if you can save money on food shopping for instance)

stavros_uk

Thank you all for the advise I will post my current expenditure in the morning when I have it all to hand. I do believe I'm not claiming enough.