Initial SOA - help please?

Feral_Moon

Craig1981 wrote: »

you paying £180 a month on one pet? surely this is too high - £120 for food for one dog, and £210 for you?
is it a dietary requirement for your pet to have supplements?

medical seems a bit much as well - why dont you get a prepayment card? if you on benefits though, (based IR ESA) your prescriptions are free anyway. whats the £534 for a year for medical?

is your car a mobility one?

have only said what i think may be questioned, that is all - other than these few, yes, looks fine

Hi, no that's fine and is why I posted the SOA to see what others think.

The medical costs for myself combine £15 a month towards optician costs and £35 a month for private physical therapy, which comes out of my PIP allowance.

My car isn't a mobility car so yes, I'm very concerned about being allowed to keep it, especially as I've just paid a considerable amount to get it through MOT last week. It's a 10 year old 4x4, nothing flash, just functional for my needs living in a rural area. No way will I be able to replace it, like for like, for only £1000 ... not unless I buy one which needs a considerable amount spending on it to keep it road worthy, which I've just done to my own!

The costs for the dog, I know are higher than usual, but I'll just take the hit elsewhere in my budget if I have to lower the figures on paper. The £120 a month covers raw food (£80), supplements (£30) and £10 for sundry stuff like wormers/flea products.

Insurance is non-negotiable as he'll need surgery costing in excess of £10,000 within the next year or two.

luvchocolate

Follow debt doctors advice, has he said as your income is from benefits alone you will not be given an I.P.A.

Feral_Moon

Tarambor wrote: »

You don't need the pet insurance and what the hell are you feeding him? We have two collies that are competing dogs, one of which is epileptic and we pay in total £25 a month for a sack of dog food that lasts two dogs 6 weeks and £20 for his pills. When we were feeding them raw meat it would only be £45 a month for a GSD.

As above, insurance is non-negotiable and quite frankly, anyone with a GSD who doesn't have insurance is taking a huge risk!

As for food, he's raw fed and eats 1.5kg a day at an average of £2.50/kg, which is about the cheapest I can find. Some months are cheaper, depending on seasonal game, as he'll then get a couple of rabbits a week, plus venison carcass etc.

Feral_Moon

luvchocolate wrote: »

Follow debt doctors advice, has he said as your income is from benefits alone you will not be given an I.P.A.

Ah right, I must have missed that bit. I thought anything over £50 a month could be taken. That's certainly a relief. Thank you

luvchocolate

debt_doctor wrote: »

Hi,

Put another £300 pm on to your groceries which will get rid of your surplus and lower the pets costs.
It doesn't really matter anyway, you have no earned or pension income, so you cannot get an IPA.

I assume the rest of your rent is paid by Housing Benefit, and you lose 14% for allegedly having a spare room!

DD

You can trust Debt Doctors advice he is a brilliant on S.O.A.

Just to clarify the surplus is £20 on a S.O.A to trigger an I.P.A and the whole of the surplus is taken (including the £20)

As you income is from benefits only no I.P.A will be sought.

System

Feral_Moon wrote: »

As for food, he's raw fed and eats 1.5kg a day at an average of £2.50/kg, which is about the cheapest I can find. Some months are cheaper, depending on seasonal game, as he'll then get a couple of rabbits a week, plus venison carcass etc.

DAF Foods is cheaper and deliver to your door. For example they do beef mince 10x 2.205kg/5lb packs are £38.50. Chicken is £36.50 for the same weight.

https://www.daf-petfood.co.uk/4-raw-frozen-food

If you're only feeding the dog raw meat then that is why you're having to give them supplements. You should be using 80% meat, 10% offal (bone etc) and 10% vegetables. If you're buying complete then that's why you're paying so much. It is much cheaper to buy raw mince, offal and mix in carrots, celery, sweet potato, apple, banana etc. You then don't need supplements unless maybe for joints.

Feral_Moon

Tarambor wrote: »

DAF Foods is cheaper and deliver to your door. For example they do beef mince 10x 2.205kg/5lb packs are £38.50. Chicken is £36.50 for the same weight.

https://www.daf-petfood.co.uk/4-raw-frozen-food

If you're only feeding the dog raw meat then that is why you're having to give them supplements. You should be using 80% meat, 10% offal (bone etc) and 10% vegetables. If you're buying complete then that's why you're paying so much. It is much cheaper to buy raw mince, offal and mix in carrots, celery, sweet potato, apple, banana etc. You then don't need supplements unless maybe for joints.

Thanks, he won't eat raw minces, unfortunately, although I wouldn't buy from DAF any way as I have previously received very poor quality products. I feed an 80:20:5:5 ratio of muscle meat, bone, offal & liver.

Dogs don't need vegetables and can't actually digest them unless pulverised, although he does like bananas, pears, satsumas and the odd grape - strange dog lol.

His supplements aren't for dietary reasons but for his joints as he has hip dysplasia, hence why I need to keep the insurance to pay for hip replacement surgery.

Feral_Moon

luvchocolate wrote: »

You can trust Debt Doctors advice he is a brilliant on S.O.A.

Just to clarify the surplus is £20 on a S.O.A to trigger an I.P.A and the whole of the surplus is taken (including the £20)

As you income is from benefits only no I.P.A will be sought.

This is such a relief and a weight from my mind, as looking at my income & expenditure on the SOA, it seems my budget will work out ok. Thank you :A