Expenditure For BR Advice Please

hadenoughnow

This is my List as per my BR Application, does it look ok? anything i should try and change if im able during my phone interview? 
Income £2011 per month 
Expenses £1823 month 
 
Home and utilities £981.00 per month
Rent £ 700.00 per month
Building and content insurance £ 27.00 per month
TV licence £ 13.00 per month
Council tax £ 109.00 per month
Gas £ 46.00 per month
 Electricity £ 46.00 per month
Water £ 40.00 per month  
Pet insurance £ 25.00 per month
Dentistry £ 15.00 per month
Opticians £ 15.00 per month
Groceries £ 250.00 per month
 Toiletries £ 10.00 per month
 Vehicle insurance £ 25.00 per month
Breakdown cover £ 10.00 per month
Vehicle tax £ 14.00 per month
MOT and ongoing maintenance
£ 30.00 per month
Fuel, parking and toll road charges £ 110.00 per month
Child maintenance or child support payments £ 170.00 per month
Pocket money £ 20.00 per month
Personal and leisure £148.00 per month
Clothing and footwear £ 25.00 per month
Hairdressing £ 20.00 per month
Home phone, internet, TV packages £ 30.00 per month
Mobile phone £ 43.00 per month
Hobbies, leisure or sport £ 20.00 per month
 Gifts £ 10.00 per month

mwarby

It looks fairly reasonable, car maintenance maybe a little low (especially if an older car). You don’t mention value of it, also you’ll need to justify why you need it to the OR. There might be questions as to wether the level of usage is accurate and reasonable especially during this period of lock down 

it looks like you’ll end up with an IPA of around 200 a month

hadenoughnow

mwarby said:

It looks fairly reasonable, car maintenance maybe a little low (especially if an older car). You don’t mention value of it, also you’ll need to justify why you need it to the OR. There might be questions as to wether the level of usage is accurate and reasonable especially during this period of lock down 

it looks like you’ll end up with an IPA of around 200 a month

Its worth about £1500 (10 years old) Im an essentiakl worker and work days nights and late shifts, Public transport wouldn't be an option. Can i alter my budget with the OR as currently i have about £190 of surpluis, which im  assuming they will take all of 

mwarby

You can only alter your budget if you have legitimate unclaimed expenses, when looking at yours nothing springs to mind. You can maybe add a 20 contingency but that’s about it.

How many kids are there ? You might be able to justify slightly more on gifts £10-15 per child I’d think

luvchocolate

Why are you paying for content and building insurance if you're renting? It's very expensive 

hadenoughnow

I only pay contents insurance. Had a couple of claims hence the price probably 

hadenoughnow

I have 2 kids aged 16 and 25