My SOA

utterly_ashamed

I get that - however I was replying to Tarambor who stated she could afford to repay her debts without BR, IVA etc if she cut out ‘fripperies’.

I understand about needing to budget properly going forward however there seems to be quite a bit of judgement on this thread today.

Kimberley

macman wrote: »

Car permit (parking?) £480pa? Seems very high.
You are paying far too much for your energy and internet: renegotiate or move to cheaper tariffs. Mobiles: £55pm means a very high end smartphone, sell it and you can get a basic smartphone for £50, then a SIM only contract for a fiver.
Clothes £60pm?
You have a vets bill and pet insurance totalling £540pa, why do you have both?
Sky: you don't need subscription TV, get rid of and use Freeview or Freesat.
Living expenses: bankruptcy only voids your historic debts. If you continue to live beyond what your income allows, then you will get into debt again. There are only 2 ways to do that: reduce your expenditure and/or increase your income.

Car permit is £40 a year. Put that in by mistake. I will take that out.
I can’t sell my mobile as i’m still paying for it.
£60 for clothes. £30 per item. I’m allowing for two garnents a month.
Pet Insurance and pet care ( vaccinations, health check etc)

Kimberley

Tarambor wrote: »

One which allows you to afford food etc but not flipperies such as pet insurance and £55 haircuts or paying for other people's mobile phones or for someone to do your gardening.

If you stopped paying for your son's mobile phones and the pet related stuff other than food and did your own gardening which unless you're disabled you're quite capable of doing you could afford to repay your debts without going in an IVA etc.

Without pet insurance how am I supposed to afford vet fees if my dog becomes ill?
I need someone to do my gardening as i get back pain.
How can I afford to pay my debts when my minimum payments were over £500? I’d have to add more on top to slowly clear my debts. So you tell me how i can reduce that SOA enough to pay my debts.

Kimberley

All I want to know is what is acceptable to the administrator in BR. I don’t care if I have to pay a few hundred in an IPA as long as I’m allowed to live.

Daniel1971

Can you get your son to assist you with the gardening? It’s unlikely you will be able to put gardening expenses unless you have a registered disability.

Phones are not hire purchase because if you default on the payment you would
Not be required to hand the handset back. So you could swap to sim only and add any debt from early contract termination into your bankruptcy.

We usually give guidelines of £20 per month for clothing.

utterly_ashamed

She wouldn’t be able to sell the handset however ...

I’m looking to keep my contract phone as I don’t want to include it in the BR because I’ll never get another one. I use my phone for most everything - watching tv, selling on eBay, work e mails etc etc. I also need this phone number because I’ve had it for years and im under so many teams for my health (I had cancer) and they all have this contact number. I don’t pay any sort of tv package such as sky or even now tv anymore and my internet is dirt cheap so I’m hoping il’ll be allowed this small ‘luxury’!

Kimberley

Daniel1971 wrote: »

Can you get your son to assist you with the gardening? It’s unlikely you will be able to put gardening expenses unless you have a registered disability.

Phones are not hire purchase because if you default on the payment you would
Not be required to hand the handset back. So you could swap to sim only and add any debt from early contract termination into your bankruptcy.

We usually give guidelines of £20 per month for clothing.

Okay thank you

Daniel1971

I wasn’t suggestimg she sells her phone, simply that she could reduce this before the end of her contract by swapping to sim only.

Any way of making a saving on the monthly bills should be looked at if you’re going into bankruptcy

macman

Kimberley wrote: »

Car permit is £40 a year. Put that in by mistake. I will take that out.
I can’t sell my mobile as i’m still paying for it.
£60 for clothes. £30 per item. I’m allowing for two garnents a month.
Pet Insurance and pet care ( vaccinations, health check etc)

Good-so you just saved £440.
Yes you can sell the mobile. The contract is for the airtime, not the handset. You could have sold it the day you bought it. £55pm is incredibly high and must mean a top-end iPhone or Galaxy, so that should be another £500 saved.
You are spending £1,656pa on energy-that is way above the average, so you need to review your kWh usage and tariff: BG are not a cheap supplier.

iammumtoone

I think you should view it as you need to start looking at how many other average (if there is such a thing) people live.

Take me for example I would never spend £60 on clothes a month, I can't remember the last time I purchased new, most of my clothes come from charity shops. I can't afford the newest smart phone I have one a few generations old where I pay £20 a month. I couldn't afford a gardener I don't know anyone who can, I do know people who help out with their parents gardens. My hair gets a £15 cut every 4 months.

Pet insurance I agree you need to keep this no one is going to expect you to get rid of your pet, but there are people who simply don't have pets as much as they would like too as they can't afford them.

How old is your son? Is he an adult when my son reaches adulthood I will not be paying for his phone. I do currently pay a contract for him but it is sim only (capped at £10 per month spend) he has a secondhand phone, if he wants a decent one he can save up for it out of his birthday/Christmas money.

Work lunch is a luxury to many, they take sandwiches.

This is not meant to be a 'get at you' post. Bankruptcy is there to give people a second chance anyone can make a mistake and I am not saying you don't deserve that opportunity. I am just trying to point out how your wanted expenditure looks to a lot of us who are not in a need to go bankrupt situation, we can't afford to spend on some of the things you are asking for.

I wish you the best.