BR as a married person.....

maxmycardagain

If I go BR, and list all income and spendings, how do i calculate what part in household stuff my wifes income and spending should be made available?

I owe £53K, she owes nothing to anyone, yet works part-time.

Or do i just count all her income (and the rent rebate+WFTC) as income, which seems a tad unfair.

all debts (cards+bank loan and bank o/draft) are solely in my name.

rog2

You will ONLY need to include your wife's income on your I/E form, as the OR WILL take this into account when calculating for an IPA/IPO.
If you do NOT declare your wife's income, then OR can, and possibly will, assume that she contributes 50% to household expenditure.
The OR will not, normally, take any benefits into account when deciding on an IPA/IPO.

maxmycardagain

barclaycard visa £400
RBS visa £2100
barclaycard platinum visa £2000
virgin mastercard £10,000
yorkshire bank visa £9000
marbles £1500
coop visa £12000
hsbc mastercard £6200

hsbc loan £6000

vehicle HP £4400

total £53600


outgoings

rent £210
rates £80
gas £40
electric £40
virgin phone/tv/bband £60
mobile phone £20
household £300
contents insurance £9
vehicle insurance £70

Income
WFTC £359 (4 wkly)
chb £60 (4wkly)
wifes wages £450 (pcm) nett

my earnings.....
on the face of it (at the moment) about £200 a week, BUT in the current year ill have made nothing due to heavy losses in the first quarter

im undecided wether to carry on trading or sign on - when id get NIL benefits having been self-employed.

no job/no benefits would surely mean no IPA?