Do I do an IVA?

elsien

Wannabehousebuyer said:

elsien said:

Sorry to hear that things haven’t been great of late.
What is jumping out at me for that is the £500 for groceries. I am on my own and mine includes household cleaning stuff as well and it is nowhere near that.
Do you need a special diet, is that a guess, have you looked at receipts to see where it’s going? Some of that could definitely be going into an emergency fund.
Nothing  for entertainment, do you never go out and do anything? 

I just included washing stuff, cleaning bits etc. my partner lives in the house but doesnt contribute so that is food for us both and 3 dogs. 

I didnt feel like i could budget for enteratinment as i have so mjuch debt 

Is there any reason that they can’t start to contribute, given the circumstances?
You might be in a lot of debt but for the sake of your sanity you need to have some time out once in a while. Even if it’s just small cheaper things. 

And you do really need something in an emergency fund. It's going to go pear shaped in the longer term otherwise when something unexpected happens. 

You have three dogs and nothing put aside for vet bills or vaccinations. Even PDSA are charging more now. It has to be realistic for this to work. 

Grumpelstiltskin

If you are living with your partner you must do the SOA as a couple.

You say they don't contribute to the household expenses why?

You can't afford to keep another person and 3 dogs on what you are earning, something has to give.

RAS

Can  you specify how much is owing for each CT year?

ManyWays

I doubt any IVA firm would accept your partner not contributing to the household expenses if they are in work. Do they also have debts?