Please help I'm so worried

sleeplessnights_2

What does anyone think about my expenses?????

Thanks

Sleeplessnights xx

DEBTMONKEY1A

Hi-all looks fine to me! I had more going out than in-so no IPA for you at all. I'm sure one of the experts (debtdoctor on here works for the CCCS) will 'tweak' amounts.

Also-don't forget that Council tax-irrespective of weather it's tied in to your new house/mortgaged house is WRITTEN OFF up to the date you go BR (if you are behind). If it was me & you're going BR soon & you're paying by direct debit I'd stop paying this-so you can save up for BR fees. Even if the Council took immediate action it'd probably take at least 2 months to get to Court.

Oh....by the way-DON'T WORRY. THE PROCESS IS EASY (& I don't say that lightly)-looking at your situ it's the best way-a fresh start. DO NOT WORRY!

sleeplessnights_2

Thanks for that, just called the council and told them that were moving out and they told me that we would receive a credit for the rest of the month so sounds good to me...:T

I would love any other comments on my expenses....

I have cancelled all of the d/d that we are including in the BR. Just paying the normal.

I know the OR won't let me put sky on my expenses but can we still have it, as we don't go out and its a little bit of enjoyment???

I just won't to say thank you to everyone for your comments you really have made me feel better in less than 24 hours, for anyone just reading the theards but sitting there worrying I really would post your concern because everyone has really made me feel better, I no longer feel like a criminal. I feel like a normal person with a debt problem, but I have learn't a big lesson thanks again :A :beer:

Love to you all

Sleeplessnights xx

Richard_S

Hi sleeplesss,

Have you included child allowance in Expenditure to offest it in Income??

Richard

DEBTMONKEY1A

Increase the car maintenance/housekeeping to 'allow' for SKY (??!!)....The OR won't come to your house to check!

sleeplessnights_2

Thanks I will do.

xxx

Richard_S

Hi sleepless,

I've played around with your budget just to spread some of the larger payments that you had in expense items like Incidentals. I've taken Child Allowance out so it doesn't complicate things. I'm not an expert and I'd be interested to see what the CCCS and CAB that post on here think about it.

What is an approximation of you O.H's bonus? As things stand you've got a large deficit and even if the O.R reduces some items the bonus would have to be fairly large before you consistently had enough to warrant paying an IPA.

Regards

Richard

EDIT: It wont let me copy and paste it from Excel or Word; I'll have another go when I get home.

sleeplessnights_2

Hi Richard

Thanks for your reply, the child allowance is what we pay my OH ex partner for his son, we pay out £150.00 each month.

The bonus is going to be so hard to work out as its a completely new pay scheme and in he's previuos position he received his bonus monthly. Guessing - I would think 1,500 - 2,000 every quarter but it just depends how business does, if they don't hit targets then it will be nothing...

sleeplessnights_2

does anyone know the web address for the Thinking Bank Account????