Help with BR expenditure!

25 Posts

Hi
I have been on IVA since the 1 of January but I have informed them this month that I will terminate the IVA and save for BR as a better option. I should have done this from the start but I was told IVA could be a better option. The main reason is a concern for the stability of my job for the future and BR would offer better peace of mind if things go wrong. I am saving for the cost of BR for the next few months and already filled the BR application but would like your help and wouldn't want anything to raise eyebrows to BR agent.
I will attach in this email my expenditure (exactly as it is on BR application) My salary is £1500 monthly (including occasional overtime) without the overtime is £1450)
If you have any questions, please ask me and I will explain. Thinking of submitting the application in about 3 months.






I have been on IVA since the 1 of January but I have informed them this month that I will terminate the IVA and save for BR as a better option. I should have done this from the start but I was told IVA could be a better option. The main reason is a concern for the stability of my job for the future and BR would offer better peace of mind if things go wrong. I am saving for the cost of BR for the next few months and already filled the BR application but would like your help and wouldn't want anything to raise eyebrows to BR agent.
I will attach in this email my expenditure (exactly as it is on BR application) My salary is £1500 monthly (including occasional overtime) without the overtime is £1450)
If you have any questions, please ask me and I will explain. Thinking of submitting the application in about 3 months.






0
Latest MSE News and Guides
Replies
I would increase your groceries cost by £30 pm and your leisure costs by the same amount. I would keep your other costs as they are. Normal pension contributions will be allowed, excessive one's will not be.
DD
Impartial debt advice services: Citizens Advice Bureau Find your local CAB *** National Debtline - Tel: 0808 808 4000*** BSC No. 100 ***
Thanks again.
If smoking is not one of the expenses they will allow an allowance, I wonder why do they include it in the BR application questionnaire form? It can't be just for their own curiosity! I have just answered what they have asked. Optical. £19 a month for 30 contact lenses, plus mist for dry eyes. I am on a computer screen for 8 hours nonstop. I don't use the NHS dentist, I have 26 dent plan insurance. I also buy toothbrushes, toothpaste, Listerine to maintain regular Hygiene. And by the way, it is not just Hobbies. It is "Hobbies, leisure, and Sport" including socializing, eating out, and drinking out. Let me break it down. £22 pm Pure Gym. £8 pm Cinema. £36 pm eat out, drink, coffee with mates once a month! I believe that's quite reasonable (but OR may think it isn't) and If I am honest, I have spent a lot more, but then again that is one of the reasons why I ended up here. As for Alcohol! A bottle of wine a week, £6.50 when it is on offer at Morrisons. I could be wrong, but I believe going BR doesn't mean stopping drinking or smoking. As long as I don't overspend. Yeah, I suppose I could save just £20 instead of £30, don't think that's gonna make much difference. Anyway, your suggestion is much appreciated, thanks.
31.7.113 Social and entertainment expenses (amended April 2012)
31.7.114 Sports memberships and activities (amended April 2012)
31.7.122 Health care provision, including dentists and opticians